#dilkw-3DS
snow zinc
This should be expected. The parameter request_three_d_secure is indicating if you want to manually trigger 3DS and override Radar. any means it will trigger 3DS as you command, ignore all radar. automatic means it will follow Radar's decision
Here Radar decide that it won't trigger 3DS, due to a rule you see on the screen (you can click on it) saying because this email is on your allow list. However the card 3063 is a test card that only success if 3DS authenticated
3D Secure authentication must be completed for the payment to be successful. By default, your Radar rules will request 3D Secure authentication for this card.
light raft
Yes, I know, but what I learned before is whether 3ds verification is required, which is determined by the issuing bank, so when the issuing bank requires 3ds, 3ds verification should be carried out, right?
snow zinc
That's correct, and this 3063 demonstrates the fact its issue bank always require 3DS. As you can see here if you keep a Radar rule of an allow list for that email, all payments from customer with that email will fail
light raft
So, in fact, the rules we configured prevent the account from 3ds verification?
snow zinc
Yes
light raft
When I switched to another account for testing, I was sure that this account was not in the rule list, but it still failed.
snow zinc
Okie this doesn't have the intercept of Allow list like above
How does your Radar rules look like?
snow zinc
Hmm I see all other are disabled? Why did you disable it? Let's enable that first or the second one
or Radar won't trigger anything
Whether or not a 3DS is triggered, is based on Radar rule
light raft
The first one means that when the issuing bank requires 3ds verification, the rule will be triggered?
light raft
What will happen if the first and last ones are activated at the same time?
light raft
You can click into the "i" icon to see further explanation
ok
snow zinc
Radar rule explanation here: https://stripe.com/docs/radar/rules#request-3d-secure
The question about rules falls into above guide, about how to make and create effective rules etc. I would recommend to take a look through the whole articles
snow zinc
What will happen if the first and last ones are activated at the same time?
Stripe will try to comply to both rule in every case, I believe
light raft
Will 3ds verification be performed when the amount is> 150?
snow zinc
I believe yes
light raft
oh ๏ผI know
I found that the first rule does not apply to Apple Pay or Android pay. What does it mean?
snow zinc
As it said ๐ If the payment is made via Apple Pay or Android Pay then it's out of reach from this rule. Normally because Apple Pay and Google Pay is wallet themself, and they already authenticate the customer when they register a card to their wallet
light raft
Haha, this Android Pay, I thought it was using stripe payment in Android, this rule will not be triggered
๐
Okay, thank you very much for your answers, you helped me a lot, thank you again, thank you!
snow zinc
You are welcome!
light raft
Can you close this chat for a while? Let me confirm again, whether I still have any questions for you to answer.
snow zinc
Keep this chat for a while? Sure
light raft
Yes, are you working in Singapore now?
snow zinc
I am at Japan. There is another of my colleague in Singapore is also watching this Discord. I could be slow on afternoon, and if it's urgent, feel free to open another thread and other of us can jump to help ๐
light raft
ok, are you a developer of sdk? I am a newbie in programming, so there will be a lot of questions that you need to answer. I'm really sorry for asking too many questions.
snow zinc
If there is different question, please open other threads ๐
light raft
If no rules are set, will 3ds verification be triggered if the issuing bank requires 3ds verification?
snow zinc
I think nothing will be triggered. And because the bank doesn't see verification coming, they will naturally decline the transaction
light raft
So we need to configure: 3ds verification when required by the issuing bank?
light raft
Does the online environment also need to activate this rule?
snow zinc
What do you mean by online environment?
light raft
Does "it" here refer to the issuing bank? Or our rules?
snow zinc
hmm issuing bank, I think?
Live Mode and Test Mode should be able to have different rules
light raft
Live Mode and Test Mode should be able to have different rules
yes
Does the issuer requirement and card support mean the same thing?
light raft
The meaning here is not to set request_three_d_secure to automatic. Even if I do not configure any rules, will 3ds be triggered according to the requirements of the issuing bank?
snow zinc
request_three_d_secure 's default value is automatic. Radar will be honored. If you set it to any, Radar rule will be ignored and 3DS will be triggered any way
light raft
If I enable the first and last rules, and the payment amount is greater than 150, and I use a card that does not support 3ds to pay, will 3ds verification be performed?