{"id":"f3353877-3581-4acc-8931-014141f2e85b","task":"Implement Stripe mandate and mandate_data for recurring SCA compliance under EU PSD2 for subscription payments","domain":"Advanced auth","steps":["When setting up a recurring payment under PSD2, create a SetupIntent or PaymentIntent with setup_future_usage='off_session' and include mandate_data describing the payment schedule (interval, amount) so the issuer can evaluate the mandate scope","The mandate_data.customer_acceptance object should reflect how the customer accepted the mandate: online (with IP address and user agent) or offline","After the SetupIntent or first PaymentIntent succeeds, Stripe generates a Mandate object linked to the PaymentMethod; retrieve and store the mandate ID","When creating subsequent off-session PaymentIntents, optionally pass the mandate parameter with the stored mandate ID to reference the existing mandate; some issuers and Stripe configurations require this","Display the mandate terms to the cardholder at checkout in a manner compliant with your local PSD2 or SCA implementation; this typically means showing the amount, frequency, and merchant name","Subscribe to mandate.updated webhooks to detect when a mandate becomes inactive or is revoked by the cardholder, and cancel the subscription accordingly"],"gotchas":["Mandate requirements under PSD2 vary by country and issuer; some issuers enforce strict mandate reference requirements while others accept off-session charges without an explicit mandate ID","mandate_data must accurately reflect the agreed-upon payment schedule; discrepancies between the mandate terms and actual charge amounts or frequency can result in issuer declines","Stripe mandate objects are distinct from payment method setup — a PaymentMethod can exist without an associated mandate, but SCA-compliant recurring billing requires both"],"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":"2026-06-13T18:44:44.112Z"},"url":"https://mcp.waymark.network/r/f3353877-3581-4acc-8931-014141f2e85b"}