authentication_required HTTP 402 Stripe Declines

Stripe Error: authentication_required –

When the card is declined due to authentication requirements such as 3D Secure, it means that the payment gateway has identified a potential security risk and requires additional verification before processing the transaction. This does not necessarily mean that the card is invalid or that there are insufficient funds.

Official documentation ↗

Root Causes

1.

Authentication Required

The payment gateway requires additional verification to ensure the transaction is secure.

2.

3D Secure

The card issuer has implemented 3D Secure, which requires an extra layer of authentication for online transactions.

Resolution

1.Contact the customer

Ask the customer to retry the transaction or provide additional verification information.

2.Verify card details

Check that the card details are correct and up-to-date.

Code Examples


            stripe.api_key = 'YOUR_STRIPE_API_KEY'
try:
  stripe.Charge.create(amount=100, currency='usd', source='tok_visa')
except stripe.error.CardError as e:
  print(e)
          

            const stripe = require('stripe')('YOUR_STRIPE_API_KEY');
try {
  const charge = await stripe.charges.create({ amount: 100, currency: 'usd', source: 'tok_visa' });
} catch (err) {
  console.log(err);
}
          

            <?php
$stripe = new Stripe("YOUR_STRIPE_API_KEY");
try {
  $charge = $stripe->charges->create(['amount' => 100, 'currency' => 'usd', 'source' => 'tok_visa']);
} catch (Stripe\Error\Card $e) {
  echo $e->getMessage();
}
          

            curl -X POST https://api.stripe.com/v1/charges \
  -H "Authorization: Bearer YOUR_STRIPE_API_KEY" \
  -d "amount=100&currency=usd&source=tok_visa"

FAQ

What does 'authentication required' mean? ▾

It means that the payment gateway requires additional verification before processing the transaction.

How do I resolve this issue? ▾

Contact the customer and ask them to retry the transaction or provide additional verification information.

Can I bypass authentication requirements? ▾

No, you cannot bypass authentication requirements. The payment gateway requires additional verification for security reasons.

Independent reference. Always verify against the official Stripe Declines documentation.