Stripe Connect Add-on 3DS

General
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1

Hi,

I am using the CS Cart stripe connect add-on and I understand that stripe Deprecated the outdated 3DS Radar rule.

I am trying to implement stripe connect express with direct charge meaning I un-check the 3ds option on the stripe connect add-on via cs cart admin panel. At the moment, I am using testing mode. However, when I use a stripe test card That Triggers 3D Secure, an error shows:

“An error occurred during the creation of a Stripe charge: Your card was declined. This transaction requires authentication”

The only way I can get that particular test to work is if I check the box for Stripe Checkout, which is fine. However, to enable this, I have to check the box to enable 3DS from the cs cart add-on configuration, which I don’t want as it will change it to destination charge.

My understanding is that Stripe now automatically handles 3DS requirements from their end so the 3ds checkbox via the add-on is not useful anymore. Having a platform that supports this authentication is needed as I am based in the uk.

What is the best approach to use the stripe connect add-on, which will enable stripe connect express with direct charge and for the card authentication/3ds to work?

Is it to customize the add-on via the php file or is there something I can do from the stripe dashboard?

Any suggestions are much appreciated.

Thanks!

2

Hi!

According to the Stripe documentation, the authentication_required error code is returned not by Stripe itself, but by the card issuers:

Please contact Stripe support with a question about whether it is possible to make payments without 3DS nowadays in the UK.

3

Hi,

Thanks for the info. When I enable 3ds in the add-on configration, the test card works. 3DS is required in the uk and I guess for my requirements, I would like to continue to use stripe connect express where 3ds authenitcation gets triggered when needed but also keep direct charges instead of destination charge.

Is there a way to either enable 3ds on the add-on without changing it to destination charge, or enable stripe checkout, without having to tick the box for enabling 3ds in the add-on’s configuration?

Thanks

4

Unfortunately no. With the default Stripe Connect add-on, payments are made via payment intents when 3DS is enabled. Charges are only used without 3DS.