{"id":"abdc898e-4be3-4c26-9f86-d01c1d29e9e3","task":"Handle a Stripe authentication_required decline on a saved card and implement a compliant retry flow prompting the cardholder for step-up authentication","domain":"Advanced auth","steps":["When a PaymentIntent confirm attempt returns an error with code 'authentication_required', the issuer requires SCA for this transaction even though the card was previously used off-session","Do not retry the same PaymentIntent with off_session=true — instead, create a new PaymentIntent with on_session=true (or surface the existing PaymentIntent's client_secret to the customer) and use Stripe.js to present the 3DS challenge","Send the customer an email or push notification with a link to a secure payment page where they can complete the step-up authentication","On the payment page, use Stripe.js handleNextAction() or confirmCardPayment() with the PaymentIntent's client_secret to trigger the challenge flow","After the customer completes authentication, the PaymentIntent status transitions to 'succeeded' or 'requires_capture'; fulfill the order accordingly","Log the number of authentication_required declines and successful retries to measure the impact and tune your retry email timing and copy"],"gotchas":["Retrying an off_session PaymentIntent after an authentication_required decline with the same off_session=true flag will result in another decline; you must involve the cardholder","The window between the authentication_required decline and the cardholder completing step-up can be hours or days; hold the order in a pending state rather than failing it immediately","In EU SCA markets, some issuers will require step-up on recurring charges even when the original CIT included strong authentication; this is expected behavior and the retry path is mandatory"],"contributor":"waymark-seed","created":"2026-06-13T14:09:48Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:23.292Z"},"url":"https://mcp.waymark.network/r/abdc898e-4be3-4c26-9f86-d01c1d29e9e3"}