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Stripe Checkout authentication_required
Understanding Stripe Checkout
Stripe Checkout is a prebuilt, hosted payment page optimized for conversion. It enables businesses to accept payments online with ease, providing a seamless experience for customers. Stripe Checkout supports various payment methods and is designed to handle complex payment flows, including authentication and 3D Secure.
Identifying the Symptom
When using Stripe Checkout, you might encounter the error code authentication_required. This error typically manifests when a customer attempts to complete a transaction, but the payment process is interrupted, requiring additional authentication steps.
Exploring the Issue
What Does authentication_required Mean?
The authentication_required error indicates that the card being used for the transaction requires additional authentication. This is often due to regulations like PSD2, which mandates Strong Customer Authentication (SCA) for online payments in Europe.
Why Does This Happen?
This issue arises because the card issuer requires the cardholder to verify their identity before the transaction can be completed. This is a security measure to prevent unauthorized use of the card.
Steps to Resolve the Issue
Step 1: Prompt for Authentication
When you receive the authentication_required error, the first step is to prompt the customer to complete the authentication process. This can be done by redirecting them to a 3D Secure authentication page.
Step 2: Implement 3D Secure
Ensure that your Stripe integration supports 3D Secure. You can do this by enabling 3D Secure in your Stripe Dashboard. This will automatically handle authentication when required.
Step 3: Update Your Integration
If you haven't already, update your integration to handle authentication requests. Use Stripe's JavaScript library to detect and respond to authentication challenges.
stripe.confirmCardPayment(clientSecret, {
payment_method: {
card: cardElement,
},
}).then(function(result) {
if (result.error) {
// Show error to your customer (e.g., insufficient funds)
console.log(result.error.message);
} else {
// The payment has been processed!
if (result.paymentIntent.status === 'succeeded') {
console.log('Payment succeeded!');
}
}
});
Conclusion
Handling the authentication_required error in Stripe Checkout involves prompting the customer for authentication and ensuring your integration supports 3D Secure. By following these steps, you can provide a secure and seamless payment experience for your customers.
For more detailed guidance, refer to the official Stripe documentation.
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Stripe Checkout authentication_required
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