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Using 3D Secure payments with Stripe subscriptions

Help Making Forms Payments

Payments

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3D secure is fantastic technology that protects buyers and sellers and shifts the liability on payment disputes (a great thing, if you've ever been a victim of credit card fraud). However, one of the side-effects of requiring 3D secure is the impact on subscriptions.

As 3D Secure requires a step from the owner to authenticate a charge on the 3D Secure card, this means that subscriptions on cards with required 3D Secure validation will automatically fail. By default, this prevents new subscriptions from being created on cards that require 3D Secure validation. However, this default behavior can be changed by toggling on the option "Allow Incomplete Payments on Subscriptions" under Configure → Payments in the form editor.

This setting removes the requirement for the first charge to immediately succeed, which allows 3D secure payments to work for subscriptions.

For subscriptions created with cards that may require 3D Secure validation it is recommended to configure your Stripe billing settings to handle the 3DS flow for recurring payments. In particular enabling sending an email with a hosted link from Stripe to complete the authorization step. Refer to the Stripe documentation for more information on handling recurring charges.

Gotchas

  • Note that when this setting is enabled, it may mean a subscription is created in Stripe before the submitter has successfully finished being charged.

Related Articles

Does Paperform support 3D Secure payments?
Paperform currently supports 3D Secure payments for Stripe and Braintree payments.
How do I accept 3D Secure payments via Stripe?
Paperform's Stripe integration comes with dynamic 3D Secure support. Optionally, you may require all credit card payments to use 3D Secure by setting up 3D Secure Radar rules in Stripe.
How do I connect and configure a Stripe account?
To connect and configure your Stripe account in order to start accepting payments, navigate to your Account Services via your Account Settings and click the button "Connect Stripe".