greg - subscription payment authentication | Stripe Developers | Page 1

unique raptor Mar 28, 2022, 3:30 PM

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hey there, do you have a Stripe integration question I can help with?

glacial cobalt Mar 28, 2022, 3:35 PM

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Yes ! I have subscriptions, and payment methods (using 3DS at setup intent) are attached to users. Now that some subscriptions have to be renewed, payments for invoices fail because 3DS is asked again

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unique raptor Mar 28, 2022, 3:38 PM

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Do you have an example subscription / invoice id?

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This is expected to happen sometimes, and you either need to have a recovery flow to handle this or use Stripe's support for automatic 3DS authentication emails:

glacial cobalt Mar 28, 2022, 3:39 PM

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I really thought I had done well, because 3DS was handled at user payment intent's registration :

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I see that automatic 3DS authentication emails are going out but this asks my users to come back onsite, and I don't want this

unique raptor Mar 28, 2022, 3:40 PM

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https://stripe.com/docs/billing/subscriptions/overview#requiring-3ds-payment
https://stripe.com/docs/invoicing/automatic-collection#secure-payments

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Future payments can also require authentication, this is at the discretion of the bank

glacial cobalt Mar 28, 2022, 3:43 PM

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i think this doesn't happen when credit card is a "source" for stripe and not a "payment method"

unique raptor Mar 28, 2022, 3:44 PM

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greg - subscription payment authentication

odd plaza Mar 28, 2022, 3:46 PM

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hello! catching up here one sec

glacial cobalt Mar 28, 2022, 3:46 PM

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This invoice in_1KiJ9ZAW5uHSJypiUo0YTPwb

odd plaza Mar 28, 2022, 3:47 PM

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@glacial cobalt

i think this doesn't happen when credit card is a "source" for stripe and not a "payment method"

AFAIK that would be irrelevant here. Looking into the Invoice you shared

glacial cobalt Mar 28, 2022, 3:50 PM

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(I had a first problem : payment default was not set as invoice_settings.default_payment_method . I solved this for this user before the renewal invoice was generated, so he should be a proper example of my problem)

odd plaza Mar 28, 2022, 3:54 PM

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yeah ok had a look at the original Invoice / PaymentIntent, and then the follow up Invoice and its PaymentIntent

this isn't an integration issue, invoice_settings.default_payment_method or any other field is irrelevant here

the customer's bank just required authentication on the payment, basically what synthridr explained here:
#958024225870974996 message

glacial cobalt Mar 28, 2022, 3:57 PM

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For ALL my customers ? And for 1 euro invoices ?

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I can't help but find it weird

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Thing is
It happens systematically for certain users : all that have been created after a certain date
That corresponds to an important change on our side : we switched from source to payment method

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Hum no ok I see this : sub_1K0op5AW5uHSJypiI4idTkP4 payment method, no problem

odd plaza Mar 28, 2022, 4:11 PM

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yeah it doesn't have to do with source vs payment_method

just diff API fields, internally they work the same when talking to a bank

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but really, I don't have an answer as it all depends on the customers bank. It could be increased SCA enforcement in the customer's country region. Could be any number of other factors that cause authentication being required

#greg - subscription payment authentication