Authenticate with 3D Secure

You can integrate 3D Secure (3DS) authentication into your checkout flow on multiple platforms, including Web, iOS, Android, and React Native. This integration runs 3D Secure 2 (3DS2) when supported by the customer’s bank and falls back to 3D Secure 1 otherwise. To use Stripe’s 3DS service with other processors, contact support.

Web

iOS

Android

The customer enters their card details.

The customer’s bank assesses the transaction and can complete 3D Secure at this step.

If required by their bank, the customer completes an additional authentication step.

Control the 3DS flow

Stripe triggers 3DS automatically if required by a regulatory mandate such as Strong Customer Authentication or requested by an issuer with the soft decline code authentication_required.

You can also use Radar rules or the API to control when to prompt users to complete 3DS authentication, making a determination for each user based on the desired parameters. However, not all transactions support 3DS, for example wallets or off-session payments.

When a payment triggers 3DS, Stripe requires the user to perform authentication to complete the payment if 3DS authentication is available for a card. Depending on what front end you use, this might require you to display the 3DS Flow.

In a typical Payment Intent API flow that triggers 3DS:

1. The user enters their payment information, which confirms a PaymentIntent, SetupIntent, or attaches a PaymentMethod to a Customer.
2. Stripe assesses if the transaction supports and requires 3DS based on regulatory mandates, Radar rules, manual API requests, issuer soft declines, and other criteria.
3. If 3DS is:
   • Not required: For example, because of an exemption, Stripe attempts the charge. The PaymentIntent transitions to a status of processing. If requested by the issuer with a soft decline, we automatically reattempt and continue as if required.
   • Not supported: The PaymentIntent transitions to a status of requires_payment_method. Depending on the reason 3DS was triggered, it might be permissible to continue to the authorisation step for the charge. In that case, the PaymentIntent transitions to a status of processing.
   • Required: Stripe starts the 3DS authentication flow by contacting the card issuer’s 3D Secure Access Control Server (ACS) and starting the 3DS flow.
4. When Stripe receives 3DS flow information from the issuer, we attempt authentication. The PaymentIntent transitions to a status of requires_action:
   • See below for how to display the required 3DS action. Issuers might request different 3DS flow action types, which might not always result in visibly displaying a 3DS challenge (for example, a frictionless flow).
   • If the issuer doesn’t support 3DS at all or has an outage, Stripe might attempt to complete the payment without authentication if permissible.
   • Data for 3DS authentication requests is typically provided by the customer at the time of the transaction. To reduce friction and the possibility of failed authentication, we might complete these requests with data we infer from other sources such as data collected from your customer during the payment flow, records related to your customer’s past transactions with you, or relevant information available from the customer’s card or issuers.
   • If Stripe already has access to all the required 3DS data elements, our optimised 3DS server might attempt to complete the authentication request for you while confirming the PaymentIntent. This can result in the PaymentIntent directly transitioning to a status of processing if the 3DS flow succeeds, or to a status of requires_action if additional steps or data elements are required to complete the 3DS flow.
5. Depending on the 3DS authentication result:
   • Authenticated: Stripe attempts the charge and the PaymentIntent transitions to a status of processing.
   • Failure: The PaymentIntent transitions to a status of requires_payment_method, indicating that you need to try a different payment method, or you can retry 3DS by reconfirming.
   • Other scenarios: Depending on the reason the payment triggered 3DS, it might be permissible to continue authorisation for the charge in edge cases. For example, a result of attempt_acknowledged leads to a charge and the PaymentIntent transitions to a status of processing.
     • An exception is when creating Indian e-mandates for recurring payments. Anything but an authenticated result is treated as failure.
6. The PaymentIntent transitions to one of the following statuses, depending on the outcome of the payment: succeeded, requires_capture, or requires_payment_method.

To track whether 3DS was supported and attempted on a card payment, read the three_d_secure property on the card information in the Charge’s payment_method_details. Stripe populates the three_d_secure property when the customer attempts to authenticate the card – three_d_secure.result indicates the authentication outcome.

Use Radar rules in the Dashboard

Stripe provides default Radar rules to dynamically request 3DS when creating or confirming a PaymentIntent or SetupIntent. You can configure these rules in your Dashboard.

If you have Radar for Fraud Teams, you can add custom 3DS rules.

Manually request 3DS with the API

The default method to trigger 3DS is using Radar to dynamically request 3D Secure based on risk level and other requirements. Triggering 3DS manually is for advanced users integrating Stripe with their own fraud engine.

To trigger 3DS manually, set payment_method_options[card][request_three_d_secure] to any or challenge depending on what you want to optimise for when either creating or confirming a PaymentIntent or SetupIntent, or creating a Checkout Session. This process is the same for one-time payments or when setting up a payment method for future payments. When you provide this parameter, Stripe attempts to perform 3DS and overrides any dynamic 3D Secure Radar rules on the PaymentIntent, SetupIntent, or Checkout Session.

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -d amount=1000 \
  -d currency=usd \
  -d "payment_method_options[card][request_three_d_secure]"=any

When to provide this parameter depends on when your fraud engine detects risk. For example, if your fraud engine only inspects card details, you know whether to request 3DS before you create the PaymentIntent or SetupIntent. If your fraud engine inspects both card and transaction details, provide the parameter during confirmation – when you have more information. Then pass the resulting PaymentIntent or SetupIntent to your client to complete the process.

Explore the request_three_d_secure parameter’s usage for each case in the API reference:

• Create a PaymentIntent
• Confirm a PaymentIntent
• Create a SetupIntent
• Confirm a SetupIntent
• Create a Checkout Session

Set request_three_d_secure to any to manually request 3DS with a preference for a frictionless flow, increasing the likelihood of the authentication being completed without any additional input from the customer.

Set request_three_d_secure to challenge to request 3DS with a preference for a challenge flow, where the customer must respond to a prompt for active authentication.

Stripe can’t guarantee your preference because the issuer determines the ultimate authentication flow. You can find out what the ultimate authentication flow was by inspecting the authentication_flow on the three_d_secure property of the Charge or SetupAttempt. To learn more about 3DS flows, read our guide.

Stripe’s SCA rules run automatically, regardless of whether you manually request 3DS. Any 3DS prompts from you are additional and not required for SCA.

Display the 3DS flow

next_action: {
    type: 'redirect_to_url',
    redirect_to_url: {
      url: 'https://hooks.stripe.com/...',
      return_url: 'https://mysite.com'
    }
}

var action = intent.next_action;
  if (action && action.type === 'redirect_to_url') {
    window.location = action.redirect_to_url.url;
  }

stripe.confirmCardPayment(
  '{{PAYMENT_INTENT_CLIENT_SECRET}}',
  {
    payment_method: {card: cardElement},
    return_url: 'https://example.com/return_url'
  },
  // Disable the default next action handling.
  {handleActions: false}
).then(function(result) {
  // Handle result.error or result.paymentIntent
  // More details in Step 2.
});

curl https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}}/confirm \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  --data-urlencode return_url="https://example.com/return_url"

var iframe = document.createElement('iframe');
  iframe.src = paymentIntent.next_action.redirect_to_url.url;
  iframe.width = 600;
  iframe.height = 400;
  yourContainer.appendChild(iframe);

window.top.postMessage('3DS-authentication-complete');

function on3DSComplete() {
    // Hide the 3DS UI
    yourContainer.remove();

    // Check the PaymentIntent
    stripe.retrievePaymentIntent('{{PAYMENT_INTENT_CLIENT_SECRET}}')
      .then(function(result) {
        if (result.error) {
          // PaymentIntent client secret was invalid
        } else {
          if (result.paymentIntent.status === 'succeeded') {
            // Show your customer that the payment has succeeded
          } else if (result.paymentIntent.status === 'requires_payment_method') {
            // Authentication failed, prompt the customer to enter another payment method
          }
        }
      });
  }

  window.addEventListener('message', function(ev) {
    if (ev.data === '3DS-authentication-complete') {
      on3DSComplete();
    }
  }, false);

Test the 3DS flow

Use a Stripe test card with any CVC, postal code, and future expiry date to trigger 3DS authentication challenge flows while in test mode.

When you build an integration with your test API keys, the authentication process displays a mock authentication page. On that page, you can either authorise or cancel the payment. Authorising the payment simulates successful authentication and redirects you to the specified return URL. Clicking the Failure button simulates an unsuccessful attempt at authentication.

All other Visa and Mastercard test cards don’t require authentication from the customer’s card issuer.

You can write custom Radar rules in test mode to trigger authentication on test cards. Learn more about testing your Radar rules.

Disputes and liability shift

The liability shift rule applies to payments that are successfully authenticated using 3D Secure or an equivalent cryptogram such as Apple Pay or Google Pay in some cases. If a cardholder disputes a 3DS payment as fraudulent, the liability shifts from you to the card issuer.

If a card doesn’t support 3DS or an error occurs during the authentication process, the payment proceeds normally. When this occurs, liability doesn’t generally shift to the issuer, because a successful 3DS authentication hasn’t taken place.

In practice, this means that you won’t receive disputes marked as fraudulent if the payment was covered by the liability shift rule, but you might still receive an Early Fraud Warning. You might still receive a low percentage of fraudulent disputes, and we list a few cases below where the liability shift rule might not apply.

You might receive a dispute enquiry on a successfully authenticated payment using 3DS. This type of dispute doesn’t precipitate a chargeback because it’s only a request for information.

If you receive an enquiry for a 3D-Secure-authenticated charge, you must respond. If you don’t, the cardholder’s bank can initiate a financial chargeback known as a “no-reply” chargeback that could invalidate the liability shift. To prevent no-reply chargebacks on 3DS charges, submit sufficient information about the charge. Include information about what was ordered, how it was delivered, and who it was delivered to (whether it was physical or electronic goods, or services).

Liability shift might also occur when the card network requires 3DS, but it isn’t available for the card or issuer. This can happen if the issuer’s 3DS server is down or if the issuer doesn’t support it, despite the card network requiring support. During the payment process, the cardholder isn’t prompted to complete 3DS authentication, because the card isn’t enrolled. Although the cardholder didn’t complete 3DS authentication, liability can still shift to the issuer.

Stripe returns the requested Electronic Commerce Indicator (ECI) in the electronic_commerce_indicator of the 3DS authentication outcome. This indicator can aid in determining whether a charge should adhere to the liability shift rule. As 3DS occurs subsequent to the initial payment intent response, you typically get this from a charge.succeeded event that’s sent to one of your event destinations. A requested ECI might be degraded in the issuer response, which we don’t reveal.

Sometimes payments that are successfully authenticated using 3DS don’t fall under liability shift. This is rare and can happen, for example, if you have an excessive level of fraud on your account and are enrolled in a fraud monitoring programme. Certain networks have also exempted some industries from liability shift. For example, Visa doesn’t support liability shift for businesses engaging in wire transfer or money orders, non-financial institutions offering foreign or non-fiat currency, or stored-value card purchase or load.

In rare cases, liability shift might get downgraded post-authorisation, or the card networks’ dispute rejection system might fail to catch liability shift for a transaction. In these cases, if you counter the dispute, Stripe automatically adds the requested ECI and the 3DS authentication outcome for the payment to your evidence details, but we encourage you to include additional details to improve your odds of winning the dispute.

Custom Radar rules for 3DS and liability shift

If you have Radar for Fraud Teams, you can customise your rules to control when to request 3DS and how to handle each specific authentication outcome and liability shift. Stripe’s Strong Customer Authentication (SCA) rules run automatically and independently of custom Radar rules, and block unauthenticated payments unless exempted.