Stripe authentication_required: what it means and how to fix it
The issuer requires the cardholder to authenticate (3D Secure or SCA) before the charge can go through.
Should you retry?
Needs customer action: retry only after they update or confirm
Common causes
- Strong Customer Authentication rules in Europe and the UK
- Issuer risk flag
- Off-session payment needing a fresh authentication
How to recover the payment
- Bring the customer back on-session to complete 3D Secure
- Send a hosted link to authenticate the payment
- Set up the payment method with the right usage so renewals can run off-session
See how much failed payments cost you
Korrali Revenue looks for revenue leaks in your Stripe account, including failed payments and duplicate charges, and shows what each one costs.
Other decline codes
General information based on Stripe's documented decline codes. Issuer behaviour varies. Check Stripe's current documentation for your account.