Japan 3DS mandate exemptions
Use exemptions to reduce cardholder friction on eligible payments.
Industry guidelines in Japan require online businesses to use 3D Secure (3DS) by the end of March 2025. For more information about the guidelines, see the Stripe Support article.
In cases where the guidelines allow exemptions, Stripe does not force 3DS on your payments.
In general, Stripe attempts to process a 3DS authentication on all cards at least once, either when the card is saved or when it’s first used. Stripe doesn’t require 3DS on payments made using cards that are already 3DS authenticated.
Note
When payments are made without 3DS by using an exemption, liability shift for fraudulent payments doesn’t apply. If you want to apply 3DS liability shift to 3DS-exempt payments, you must request 3DS by setting request_three_d_secure to any in your PaymentIntent or SetupIntent.
| Category | Description |
|---|
| Existing cards | Cards entered before Apr 1, 2025, or that were migrated to Stripe from other processors, are treated as if they were previously authenticated with 3DS. |
Situations where 3DS isn’t possible | Stripe doesn’t automatically use 3DS for: - Debit cards and prepaid cards
- Apple Pay and Google Pay
If any of the following cases apply to your integration, you must request enablement by contacting Stripe Support. - You don’t use Stripe Customer objects. For example, you create payments with raw card numbers.
- You store and authenticate cards outside of Stripe.
- You process MOTO payments.
- You process payments from devices that don’t support 3DS, such as game consoles or smart speakers.
|
Customer-Initiated Transactions (CIT) (For example, saving a card on an e-commerce website for later purchases) | - Saving a card by creating a SetupIntent with
usage=on_session doesn’t use 3DS unless you request it. - If you don’t authenticate a card with 3DS when you save it, the first payment with that card requires 3DS.
- After a saved card is authenticated with 3DS, Stripe treats it as exempt and doesn’t force 3DS on future payments with that card. However, your integration must conduct a risk analysis at the time of each subsequent payment and request 3DS if the analysis determines that it’s appropriate. You can use Stripe Radar to conduct the risk analysis.
- Design your customer login process to meet at least two of the following five Credit Card Transactions Security Measures Council Security Checklist requirements. If it doesn’t, you must manually request 3DS for each payment by setting request_three_d_secure to
any.- Restrict access from suspicious IP addresses, to counter attacks from overseas.
- Limit login attempts, to counter account password cracking.
- Authenticate users through two-factor authentication or a similar measure, to notify users of fraudulent login attempts.
- At time of login, send email or SMS notifications, throttle attempts, or take other similar measures.
- Use “Device fingerprinting” or similar measures.
|
| Merchant-Initiated Transactions (MIT), including Stripe Billing | - Saving a card by creating a SetupIntent with
usage=off_session requires 3DS. - If a card is 3DS authenticated when it’s saved, payments using that card don’t require 3DS.
- If any change to a contract, service, or product requires customer approval, the associated payment must be customer-initiated (CIT) and must explicitly request 3DS.
|