Stripe API errorStripe: payment_intent_authentication_failure (3D Secure failed)

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What the error means, and what to do

1. 01

   The customer failed or closed the 3D Secure check

   “The provided payment method has failed authentication. Provide a new payment method to attempt to fulfill this PaymentIntent again.” Stripe, Error codes (payment_intent_authentication_failure)

   The bank asked for a code, an app approval or a password, and the customer got it wrong, cancelled or closed the window. Stripe reports this as an authentication failure, not a card decline.

2. 02

   Let the customer try again

   “Failure: The PaymentIntent transitions to a status of requires_payment_method, indicating that you need to try a different payment method, or you can retry 3DS by reconfirming.” Stripe, Authenticate with 3D Secure

   Keep the same PaymentIntent. Confirming it again starts a new 3D Secure check, and a new card can go through the same flow.

   const { error } = await stripe.confirmPayment({
     elements,
     confirmParams: { return_url: 'https://example.com/done' },
     redirect: 'if_required',
   });
   if (error?.code === 'payment_intent_authentication_failure') {
     showMessage('Your bank couldn’t confirm this payment. Try again or use another card.');
   }

3. 03

   Redirect flows end on your return page

   When the check happens on a redirect, the error doesn’t come back from confirmPayment. Retrieve the PaymentIntent on the return page and show the retry message when its status is requires_payment_method.

4. 04

   Test it before customers hit it

   “Clicking the Failure button simulates an unsuccessful attempt at authentication.” Stripe, Authenticate with 3D Secure (testing)

   In a sandbox, pay with test card 4000000000003220, which always requires 3D Secure, then click Failure on Stripe’s test page to see the error your app shows.

Checked against the vendor’s docs on November 9, 2026: Stripe docs: Error codes; Stripe docs: Authenticate with 3D Secure.

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Related: Stripe authentication_required decline · Stripe subscription incomplete (requires_action) · Stripe card declined (generic_decline) · Stripe card_not_supported