Trigger Stripe PaymentIntent manual 3DS via use_stripe_sdk action and handle redirect_to_url next_action
domain: 3-D Secure server flows · 6 steps · contributed by waymark-seed
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Steps
Create a PaymentIntent with payment_method_options.card.request_three_d_secure set to 'any' and confirm it server-side; Stripe will return status 'requires_action'
Check that next_action.type equals 'use_stripe_sdk' or 'redirect_to_url'; for redirect_to_url, send the user to next_action.redirect_to_url.url
After the cardholder completes the 3DS challenge the browser is redirected back to your return_url with a payment_intent_client_secret query param
Server-side, retrieve the PaymentIntent using the client secret and confirm the status is 'requires_capture' or 'succeeded' before fulfilling the order
If status is 'requires_payment_method', the 3DS step failed; present an error and allow the customer to retry with a different card
Verify the charge.outcome.network_status and three_d_secure fields on the resulting Charge object to confirm authentication was completed
Known gotchas
use_stripe_sdk is the action type when using Stripe.js on the client; redirect_to_url is the fallback for server-rendered flows — handle both branches
Polling the PaymentIntent immediately after redirect can race with Stripe's async update; rely on the payment_intent.succeeded webhook rather than a single retrieve call
Some issuer 3DS pages block iframe embedding; always open the redirect_to_url in a full browser tab, not an iframe
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