#dcx86-stripejs
round token
@subtle drum you should use the first one(SetupIntents) since it's the documented approach. https://stripe.com/docs/payments/save-and-reuse
SetupIntents validate the card and can run 3D Secure so that future payments on that card can succeed without extra authentication, and it automatically attaches the card to the Customer object for the SetupIntent.
Just creating a PaymentMethod does nothing except accept the card details into a token!
subtle drum
We are having issues with cards from a swedish bank where the 3D Secure fails automatically. We contacted the bank and they said that they have no 3D Secure service, and stripe customer service said that is the bank that declines the 3D Secure. I couldn't get to the bottom of this. We also tried to changed our rules in the stripe dashboard but nothing seemed to work.
Do you have any idea what might be happening and how to fix it? 😞
round token
that they have no 3D Secure service
that really can't be true at all, for many reasons
anyway the way to fix this is not to change your integration to somehow try to not do 3D Secure, that makes no sense and would just give you a bunch of declines for every other customer in the EU
you could share some specific examples (seti_xxxx) IDs with our support team and we can try to help! You'd have to get it escalated but there is probably stuff we can look at. Do you happen to have an example of a SetupIntent where "3D Secure fails automatically" I can look at quickly?
subtle drum
Yes, I have. I'll post one in few minutes. Thanks.
Here it is: seti_1JrKiwCLxHY6Kvn5Z0G55nOm
round token
thanks, will look in a bit
ok so here what happened we is we contact the bank to attempt to complete the 3D Secure process and we got back a 07 status from them, meaning Invalid transaction which is kind of everything we know(none of this is exposed in the API unfortunately and requires us to manually look at it internally)
not sure what I can tell you except to escalate with our support team with specific examples! There's also an ID for the 3D Secure transaction which in theory the customer can go to their bank with and ask them to look at and complain that they were unable to make an online payment, we can give you the ID from our internal systems if you ask. Sorry
subtle drum
Thanks a lot for this information it helps. We'll continue this investigation.
@round token one more thing worth mentioning. When I tried to add a same card through stripe dashboard the card appeared as a payment method, no 3D secure process was triggered, was able to make a purchase with that card, again no 3D secure process was triggered.
I don't think the purchase is the problem here but adding that card as a payment method
round token
yep, it's quite possible!
subtle drum
Also got a question, is adding a payment method a transaction?
round token
using a SetupIntent does a "no-payment-authentication" for $0 basically, and maybe the bank has problems with those specifically and not actual payments
they shouldn't and they are broken if they do, but I do think it can happen(their customers should complain)
round token
Also got a question, is adding a payment method a transaction?
using a SetupIntent is a $0 payment(per https://support.stripe.com/questions/unexpected-1-charge-on-customers-bank-statement) and 3D Secure is run against that, which is how it works
round token
can that be it
don't know! the customer would have to ask their bank.
subtle drum
We have a direct line of contact with the bank but now sure what to ask. When we mentioned about restriction they answer that they have no restriction set in place for our business or for stripe.
The $0 payment sounds the most plausible problem at this point. We'll ask the bank if that can cause the problem
round token
sure! I'd ask our support team for the ACS transaction IDs. If it helps, for the one you gave me, the ID is f4e9c731-07bb-4715-bfc1-6e142002a259 (can do this as a onceoff) so you could ask them to check with their 3D Secure ACS team for that ID around 2022-01-10 11:00 UTC .
subtle drum
not sure what I can tell you except to escalate with our support team with speci...
If you can please give me the ID from your internal system. It might help in our talk with the bank.
round token
I wonder if its a currency thing as well(your account is in the UK which means these transactions are actually for £0.00 ) and the bank might not allow that or something
subtle drum
That's a very good hypothesis.
round token
which is a known-ish problem about these validation charges we process(they use the currency of your account and can't be changed) but overall you really need to escalate with our support team since there are things we can look at
subtle drum
What is the best way to reach your support team?
round token