Happy Business Starts Here

Support SME

A Basic 3DS2 Test with Stripe v2 and HPM

Referenced Documents

[Zuora Doc] PSD2 and strong customer authentication overview

[Zuora Doc] Enable 3DS2 for Stripe gateway integration

[Zuora Doc] Add a Checkbox for Stored Credential Consent

[Stripe Doc] 3D Secure test card numbers and tokens

 

Preparation

1) contact Stripe Support to complete necessary configuration for your Stripe account to accept requests from Zuora for 3DS2

2) contact Zuora Support to enable 3DS2 for your Zuora tenant (make sure Sandbox first)

3) configure new payment gateway instance with payment gateway type of Stripe v2

Screen Shot 2019-09-06 at 3.23.45 PM.png

4) make sure the HPM instance being used is a v2.0 HPM

How to confirm if I'm using v2.0 HPM

5) make sure setting Enable 3D Secure 2.0 has been enabled for your HPM instance and correct payment gateway has been selected

Screen Shot 2019-09-06 at 3.33.47 PM.png

6) make the necessary change to your code of HPM implementation

required change: "page id" of your HPM instance should be correctly specified

as a most basic test, there was no any other param change before/during my test except the page id

I've already got necessary change for CIT/MIT feature completed before this test, but if that has not been done in your HPM implementation, it will be another required change you need to have. 

 

Test

access the page where your HPM instance is embedded and input the card data as usual

(test card number4000000000003220 has been used in my test)

Stripe3DS2Test.gif

 

Common Issue

1) error 400 – [invalid_request_error/parameter_unknown] Received unknown parameter: payment_method_options[card][mit_exemption] happens when process a payment through Strip v2 with a payment method added through 3DS2 enabled HPM

this error means necessary settings on Stripe side has not been configured yet, please reach out to Stripe Support to further help.

 

2) error 402 -- [card_error/authentication_required/authentication_required] Your card was declined. This transaction requires authentication happens when processing a payment through Strip v2 with a payment method added through 3DS2 enabled HPM

when this error happens, it doesn't necessarily mean there is a problem in our integration.

Our integration will send required fields to the payment gateway and reflect the response we received into the payment status. But it is out of our control why response we will receive or if the payment transaction needs an authentication.

 

3) there is no authentication popup triggered

please confirm the description of the test card number being used in your test based on this document.

authentication behavior could be different when different test case numbers being used.






If you found my answer helpful, please give me a kudo ↑
Help others find answers faster by accepting my post as a solution √

4 REPLIES 4
New Student

Re: A Basic 3DS2 Test with Stripe v2 and HPM

Thanks for this post @Yolanda 

 


@Yolanda wrote:

2) error 402 -- [card_error/authentication_required/authentication_required] Your card was declined. This transaction requires authentication happens when processing a payment through Strip v2 with a payment method added through 3DS2 enabled HPM

when this error happens, it doesn't necessarily mean there is a problem in our integration.

Our integration will send required fields to the payment gateway and reflect the response we received into the payment status. But it is out of our control why response we will receive or if the payment transaction needs an authentication.

For that specific error, I keep getting that error for the test credit card 4000000000003220. Is that also possible? Isn't this test credit card supposed to return a successful transaction? As mentioned in this Stripe article https://stripe.com/docs/payments/3d-secure#three-ds-cards 

"Use this card to test that your integration is ready to support Strong Customer Authentication requirements in Europe."

 

Is there a test credit card number where we can test the successful flow?

Highlighted
Support SME

Re: A Basic 3DS2 Test with Stripe v2 and HPM

Hi @gherry!

sorry for the late reply!

Smiley Happy actuall I'm also getting the same error when using card number 4000000000003220 for testing.

I've confirmed that with our engineering team and that error is returned from Stripe side and is not something Zuora could control. I'm also referring to the same Stripe doc for testing so unfortunately don't have other card numbers to try.

Regards,

Yolanda

 

 






If you found my answer helpful, please give me a kudo ↑
Help others find answers faster by accepting my post as a solution √

New Student

Re: A Basic 3DS2 Test with Stripe v2 and HPM

Hi @Yolanda 

Not sure whether this section exists, but there's this section in Stripe documentation that works: https://stripe.com/docs/testing#regulatory-cards

 

But does this mean that the new Stripe v2 integration doesn't support the cards that are listed in https://stripe.com/docs/testing#three-ds-cards?

Support SME

Re: A Basic 3DS2 Test with Stripe v2 and HPM

Thanks for the sharing @gherry!

I've tested the test card from the below section and you're right it is working!

https://stripe.com/docs/testing#regulatory-cards

However, I still feel the error returned for the card numbers from the "three-ds-cards" section is expected by Stripe because in their description, "Radar rules" has been mentioned many times and that is a setting on Stripe side to trigger dynamic 3D Secure authentications which have is explained in below link:

https://stripe.com/docs/payments/3d-secure#three-ds-radar

So my guess is that the test card numbers listed in the "three-ds-cards" section are provided for customers to test together with their Radar rules? But that's only my guess which should be confirmed with Stripe side if needed.






If you found my answer helpful, please give me a kudo ↑
Help others find answers faster by accepting my post as a solution √