mebezac-decline-card | Stripe Developers | Page 1

slow forge Mar 8, 2022, 4:48 PM

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@olive panther I can have a quick look but that's really something you'd discuss directly with our support team instead

olive panther Mar 8, 2022, 4:49 PM

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I've tried reaching out to them with no success yet, but I'll try again

slow forge Mar 8, 2022, 4:50 PM

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When I look at the declined card it really is just the bank refusing the payment. What you need to do here is ask your customers to call their bank and ask them to look into those declines which are not normal.

olive panther Mar 8, 2022, 4:50 PM

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they have called and their bank say Stripe isn't capable of doing 3DS

slow forge Mar 8, 2022, 4:50 PM

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sure but that's absolutely not true 🙂

olive panther Mar 8, 2022, 4:51 PM

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Exactly

slow forge Mar 8, 2022, 4:51 PM

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we've supported 3DS for years, we rebuilt our entire API for SCA, etc.

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If it was 3DS related, the bank is supposed to return a different decline code to indicate this.

olive panther Mar 8, 2022, 4:51 PM

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so is it up to me to convince this bank?

slow forge Mar 8, 2022, 4:51 PM

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Partly

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also looking at your integration you seem to still use Legacy Checkout which has been deprecated for numerous years

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it definitely doesn't support 3DS, so it means you're not setting up the card collection properly and not going through 3DS right?

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If it was just 3DS the issue then using our hosted invoice page would be able to do 3DS and it'd work
Do you have an example payment attempt on the hosted invoice page?

olive panther Mar 8, 2022, 4:53 PM

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right, we're in the process of switching to SetupIntents right now

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one sec I'll get that example

slow forge Mar 8, 2022, 4:54 PM

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Ah I found one on that same invoice

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see how the bank says try_again_later as their decline? That's not a valid decline code for 3DS, they are supposed to use something else which is on the bank's end really
They are also not supposed to ask for 3DS on transactions coming out of Australia

olive panther Mar 8, 2022, 4:55 PM

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https://dashboard.stripe.com/logs/req_1Wom5if4g0pTr5

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slow forge Mar 8, 2022, 4:59 PM

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yep that one if you look at the response it says try_again_later instead of asking clearly for 3DS. With SCA and changes in Europe, there are rules around how a bank is supposed to say "I won't let this payment through because you need 3D Secure" which then would let us ask for 3D Secure.

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Here their decline code is "oops this isn't working right now, try again in a few minutes"

olive panther Mar 8, 2022, 5:00 PM

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Right, so does the responsibility of getting them to fix that fall to me, or is that something Stripe can help with?

slow forge Mar 8, 2022, 5:03 PM

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Unfortunately we can't really help with this. The only solution is usually to get end customers to call their bank to get it fixed. You should still flag to our support team, but banks don't really take our calls about this, they take calls from their own customers

olive panther Mar 8, 2022, 5:07 PM

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Ok, thanks for the help.

#mebezac-decline-card