lynn_connect-3ds | Stripe Developers | Page 1

gleaming walrusBOT Mar 13, 2026, 3:23 PM

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clever ice Mar 13, 2026, 3:30 PM

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Hello, looking in to this. I see that this is a direct charge, the most common source of this error for direct charges is forgetting the Stripe-Account header when making the later calls. So it sounds like your stripe instance may not be setting this setting to specify which connected accounts you are making calls for

Connected Accounts | Stripe API Reference

static aspen Mar 13, 2026, 3:33 PM

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i can see the account in the dashboard paymemnt intent log. Stripe-Account
acct_1QiJqn00hi7eYUa5

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so are you saying i need to add the account code to the requestOptions PaymentIntentService.Get(string id, [PaymentIntentGetOptions options = null], [RequestOptions requestOptions = null])

clever ice Mar 13, 2026, 3:41 PM

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Yes exactly. The payment intent exists on your connected account. Without that setting, Stripe will only look for payment intents with that ID on your platform account, but then there aren't any so that error is thrown.

static aspen Mar 13, 2026, 3:42 PM

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ok that makes sense but how do i test a 3D secure transaction through a connected account?

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i have been testing 3D secure though the sandbox account which works. can i add a connected test account?

clever ice Mar 13, 2026, 3:46 PM

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It should be the same API calls as testing with any other account. You just need to make sure to consistently pass that Stripe-Account setting on your server when making server-side calls and pass it to Stripe.js when initializing it on the client

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https://docs.stripe.com/js/initializing#init_stripe_js-options-stripeAccount

Stripe JS Reference

static aspen Mar 13, 2026, 3:48 PM

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yes i understand that but i would like to actually test it. i dont have a foreign credit card

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can i get the transaction id (ch_xx) from the stripe checkout library?

gleaming walrusBOT Mar 13, 2026, 3:56 PM

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clever ice Mar 13, 2026, 4:00 PM

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Apologies for missing this question. We reccommend against testing payments in live mode. If 3DS works in your sandbox app with your connect setup, it will work when 3DS is required for live payments with the same code.

static aspen Mar 13, 2026, 4:02 PM

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that is my point i only have a basic sandbox account without a connected account code so i dont know how i can test 3DS with a connected account

gleaming spade Mar 13, 2026, 4:07 PM

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Hi Lynn, i'll be taking over for Pompey as they need to head out.

You can create and onboard connected accounts within your sandbox account. Should allow you to test the full range of connect payment flows.

static aspen Mar 13, 2026, 4:09 PM

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ok can you point me to any documentation on how to do that?

gleaming spade Mar 13, 2026, 4:16 PM

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Yup! https://docs.stripe.com/connect/saas/tasks/create
These connect docs are centered around using direct charges. The only difference for testing is you would use your sandbox keys.

I noticed you mentioned not having the means to test payment methods from other countries. We also have test cards for various countries available. https://docs.stripe.com/testing

static aspen Mar 13, 2026, 4:19 PM

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yes i use the test card number for 3d secure . i just need to know how to test with a connected account.

gleaming spade Mar 13, 2026, 4:20 PM

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The first doc should have you covered then. Just swap out and use your sandbox / test-mode keys while going through.

static aspen Mar 13, 2026, 4:20 PM

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can i add a connected account to my test account in the dashboard or do i have do it in code?

gleaming spade Mar 13, 2026, 4:29 PM

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Yes you can, here on the top right at https://dashboard.stripe.com/connect/accounts while logged into your sand-box, if you still use the older test-mode rather than a sandbox you can find the view here https://dashboard.stripe.com/test/connect/accounts

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Our documentation doesn't really cover account creation via the Dashboard, mostly just follow the flow after clicking create.

static aspen Mar 13, 2026, 4:31 PM

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the dashboard wants me to activate my test account which doesnt make sense

gleaming spade Mar 13, 2026, 4:32 PM

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Can you clarify what you mean by activate? We're predominately focused on API integrations, most of our team makes very minimal use of the Dashboard.

static aspen Mar 13, 2026, 4:33 PM

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i see the create button but

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gleaming spade Mar 13, 2026, 4:33 PM

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Are you sure you are in test mode? or a sandbox? This seems to suggest your in live mode.

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Also the text is cut off so I can't see the full context.

static aspen Mar 13, 2026, 4:35 PM

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i clicked test mode. now i get

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my test account is really old.

gleaming spade Mar 13, 2026, 4:37 PM

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I'd recommend getting a sandbox going then, test-mode accounts share a lot of settings with their live counterparts.

static aspen Mar 13, 2026, 4:38 PM

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so create a new sandbox?

gleaming spade Mar 13, 2026, 4:44 PM

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If you already have a sandbox account you can use that, but if you've only used test-mode before, (its not the same as a sandbox) I'd recommend creating a sandbox.

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The nice thing about sandboxes as you can make as many as you need, where test-mode you only get the one per account and it's closely tied to the live account it's based off of sharing a lot of the same settings.

static aspen Mar 13, 2026, 4:47 PM

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ok thank you. i will thry that. 1 more question. is it possible that the system could sometimes find the payment intent if the account code isnt specified?

gleaming spade Mar 13, 2026, 4:55 PM

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It depends on the type of connect charge relationship you are using.

https://docs.stripe.com/connect/charges

Direct Charges: (the charge takes place directly on the Connected account), there is no record of the Payment Intents existence at the platform level. It exists only on the Connected account and to access it you must specify the account-header for the Connected account.

Destination Charges: The charge takes place on the Platform, the relationship is inverted, the Connect account has no record of the transaction, the funds are then sent to the Connected account from the Platform.

Separate Charges and Transfers: Same as above but instead you can transfer the funds to multiple Connected accounts instead of just one.

static aspen Mar 13, 2026, 4:57 PM

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pretty sure its a direct charge. i see the transactions in the connected account

gleaming spade Mar 13, 2026, 5:03 PM

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If you have the request ID I can confirm for you but if you specified an account-header it was a direct-charge, and if you see it on the connect account, another indicator it was a Direct Charge.

static aspen Mar 13, 2026, 5:05 PM

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ok that means 3D secure never worked correctly on my connected accounts which is hard for me to accept!! i hope that means we dont get very many of them!

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thank you for your help

gleaming spade Mar 13, 2026, 5:16 PM

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Of course.

gleaming walrusBOT Mar 13, 2026, 5:27 PM

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