abignalet-sca | Stripe Developers | Page 1

storm jackal Nov 10, 2021, 9:37 AM

#

@opal jetty sure, how can I help?

opal jetty Nov 10, 2021, 9:37 AM

#

Here is the log

#

https://dashboard.stripe.com/logs/req_6QDz3X4rTjjzbi

#

Can you validate we are using the SCA compliant version of the api?

#

I think yes but your support cannot answer...

storm jackal Nov 10, 2021, 9:40 AM

#

sure, seems like a correct and normal integration that supports SCA to me

opal jetty Nov 10, 2021, 9:41 AM

#

In this state, what could block us to be SCA compliant?

storm jackal Nov 10, 2021, 9:42 AM

#

nothing, there's no SCA issue I can see

#

why do you think you're not?

opal jetty Nov 10, 2021, 9:42 AM

#

cuz we are receiving some 402 auth_required errors using apple_pay for some banks

storm jackal Nov 10, 2021, 9:42 AM

#

sure but I don't think that's your fault or anything to do with your integration

opal jetty Nov 10, 2021, 9:43 AM

#

Okay

storm jackal Nov 10, 2021, 9:43 AM

#

that can happen

#

it "shouldn't" since using Apple Pay is supposed to count as a second factor of authentication for the purposes of SCA

#

so the customer shouldn't need to also do 3D Secure

#

but maybe the bank's system is broken and they don't respect that, or something else went wrong

#

you should be able to handle it if it does happen though — in our example code for accepting Apple Pay https://stripe.com/docs/stripe-js/elements/payment-request-button?html-or-react=html#html-js-complete-payment you can see how we talk about confirming the PaymentIntent twice , that is so you can handle 3D Secure if it happens to be requested. You're right that it's unusual but it does seem to happens some times, banks are not perfect in their implementations.

opal jetty Nov 10, 2021, 9:47 AM

#

I monitored the error, an stripe do not return enough to make a 3DS following the error (no redirect_to_url)

#

Thank you for explanations

#

We also assume a bank problem

storm jackal Nov 10, 2021, 9:48 AM

#

opal jetty I monitored the error, an stripe do not return enough to make a 3DS following th...

do you have an example?

#

like that example you gave is nothing to do with 3DS

#

the bank generically declined the payment, it wasn't a "authentication required" decline

opal jetty Nov 10, 2021, 10:08 AM

#

https://dashboard.stripe.com/payments/pi_3JqfuEDlpLzq27jH1XxVF1ZG

#

Yes nothing related to 3DS

#

The thing is according on the doc, the first confirmPayment returns the errors, we do not have the require_action status

storm jackal Nov 10, 2021, 10:12 AM

#

sure, that can happen if it's just a regular decline

#

any payment can decline, the fact the user authorised the payment in Apple Pay doesn't really change anything, the bank can still decline the payment when you go to charge the card details that came from the Apple Pay wallet

#

in that example yes it looks like the bank requiring 3D Secure after Apple Pay, which is unusual but as mentioned above, can happen sometimes

#

it's also unusual we didn't return the requires_action status you're right

#

I'd expect us to have, so that needs some investigation

#

you're probably already in contact with our support team about that

#abignalet-sca