Saved Cards always requiring 3DS challanges

  • Resolved jack01732

    (@jack01732)


    1 year ago

    Hi,

    I have “Force Authentication Challenge” enabled which works well however, I will receive a failed payment every now and then because a saved card needs a 3DS challenge. I have then ticked “3DS For Vaulted Cards” which then solves the issue for this card however it now creates a 3DS challenge for all saved cards now rather than just the ones that need them. This is creating another layer of friction for the customer purchasing, is there a way to have it so that it will only create a 3DS challenge on saved cards when it is required and when it is not required no 3DS challenge will pop up?

    Kind regards,

    Jack

Viewing 3 replies - 1 through 3 (of 3 total)
  • Plugin Author Payment Plugins

    (@mrclayton)

    Hi @jack01732

    is there a way to have it so that it will only create a 3DS challenge on saved cards when it is required and when it is not required no 3DS challenge will pop up?

    That option does not currently exist within the plugin. To my knowledge, Braintree doesn’t provide any indicators in real time to determine if a payment requires 3DS or not for a saved card. So I don’t believe implementing this feature would be feasible.

    Kind Regards

    Thread Starter jack01732

    (@jack01732)

    Hi,

    I have spoken with Braintree support and they have said it is possible via the following method, they have sent me the following:

    “In order to implement a verify and store flow for your customers, such that they can provide 3DS authentication on initial transaction/verification and 3DS?won’t?be required on subsequent merchant initiated charges, your WooCommerce integration will have to perform the steps laid out on checkout. ”

    1. You’ll run a paymentMethodNonce.create() request using the stored payment method token. This will return a PaymentMethodNonce response object which is associated with that vaulted payment method.
    2. Run verifyCard on this nonce to get a new 3D Secure 2.0 enriched nonce
    3. Use the resulting 3DS enriched nonce to run a transaction.sale() call which will allow you to create a transaction with the 3D secure liability shift.?

    Is this how the current plugin works with saved card?

    Plugin Author Payment Plugins

    (@mrclayton)

    Is this how the current plugin works with saved card?

    Yes, that is the exact flow this plugin uses when initiating 3DS with a saved payment method.

    Kind Regards

Viewing 3 replies - 1 through 3 (of 3 total)
  • The topic ‘Saved Cards always requiring 3DS challanges’ is closed to new replies.