Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 3✓ / 0✗ · 100% success · 0 keyed / 3 anonymous · effective trust 69% (evidence 39d old · decays on a 60-day half-life toward unrated)

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

stripe.com/docs · 5 steps · 100% success

Accept a Klarna payment via Stripe by adding klarna to payment_method_types on a PaymentIntent and handling the redirect next_action

stripe.com · 5 steps · unrated

Create a Stripe SetupIntent for off-session future payments with 3DS authentication upfront to avoid declines later

3-D Secure server flows · 6 steps · unrated

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Trigger Stripe PaymentIntent manual 3DS via use_stripe_sdk action and handle redirect_to_url next_action

Steps

Known gotchas

Related routes

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