Inkarr - 3DS2 test card | Stripe Developers | Page 1

visual granite Jun 27, 2022, 2:33 PM

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Hello, which test card from there did you use? And how did you attempt to set up or charge it? Those should prompt the user for 3DS when appropriate

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By which I mostly mean they should prompt for 3DS when the doc says they should. If you aren't seeing it then then I can look at the ID of that specific payment to check

indigo maple Jun 27, 2022, 2:37 PM

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4000000000003220 initiates the 3DS2 sequence as expected so that aspect is fine. What i am after is if someone hasn't enrolled in their banks 3DS2 function on their card what happens then? There doesn't appear to be a card that legitimately fails the 3DS2 process due to not being setup if that makes sense?

visual granite Jun 27, 2022, 2:40 PM

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That makes sense. I don't think we have a card specifically for that but I am pretty sure that the errors that our cards can get will cover what you would see code-wise

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Like my guess is that the bank might just decline it so you see a generic decline. But I will try to check in to this

indigo maple Jun 27, 2022, 2:43 PM

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Thanks Pompey. I just want to make sure that we provide a meaningful response back to the customer if they use a card that is declined due to lack of 3DS2 setup, although i'm hoping 6th months after it came into force in the UK it shouldn't happen but well you know how customers are. If they can break it they will. 😀

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This card, 4242424242424242, is listed as 3DS Supported and Unenrolled, but is allowed through. I had hoped that would cover my use case

visual granite Jun 27, 2022, 2:49 PM

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Gotcha. I don't know if our test logic goes that in depth at the moment. I haven't been able to find what exactly this error looks like and am reaching out to colleagues for help

indigo maple Jun 27, 2022, 2:51 PM

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Thanks Pompey. I can't ask for more than that. I will have a look and see if we have a company card that isn't enrolled and if so will see what it reports.

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I have actually found a card that isn't enrolled in 3DS2 and can see the event data. "status": "requires_action", but i need to understand if that occurs while the user obtains the OTP. Currently our site would take the card details and then initiate the 3DS2 screen. If the card is not 3DS2 enrolled, like the one i just tried, it just shows a blank screen. I need to look into how i can make a better user experience in that user case.

visual granite Jun 27, 2022, 3:13 PM

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My colleague says you will likely see a payment_intent_authentication_failed error in those cases. As far as I can see there isn't a specific error if the failure is due to the card not being enrolled. Basically you will probably want to pass on the error we return any which way.

indigo maple Jun 27, 2022, 3:27 PM

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Sorry Pompey. School run. Brilliant thank you.

#Inkarr - 3DS2 test card