Stripe allows you to collect card details and charge your customer at a later time. In some regions, banks require a second form of authentication such as entering a code sent to a phone. The extra step decreases conversion if your customer isn’t actively using your website or application because they aren’t available to authenticate the purchase.
If you primarily do business in the U.S. and Canada, banks don’t require authentication, so you can follow this simpler integration. Building this integration means that expanding to other countries or adding other payment methods will require significant changes. Learn how to save cards that require authentication.
Upgrade your integration to handle card authentication
This integration declines cards that require authentication during payment. If you start seeing many payments in the Dashboard listed as
Failed, then it’s time to upgrade your integration. Stripe’s global integration handles these payments instead of automatically declining.