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_
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:
If any of the following cases apply to your integration, you must request enablement by contacting Stripe Support.
|
Customer-Initiated Transactions (CIT) (For example, saving a card on an e-commerce website for later purchases) |
|
Merchant-Initiated Transactions (MIT), including Stripe Billing |
|