Stripe Error authentication_required: Authentication required (3DS)

Warning✕ Not retryable · fix the payloadHTTP 402 Payment RequiredAPI Gateway

TL;DR · 10-second read

The issuer requires 3D Secure (SCA) but the payment was confirmed off-session. Bring the customer back on-session and confirm with stripe.confirmCardPayment / confirmPayment.

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What you see · exact log / response

{
  "error": {
    "code": "authentication_required",
    "decline_code": "authentication_required",
    "doc_url": "https://stripe.com/docs/error-codes/authentication-required",
    "message": "Your card was declined. This transaction requires authentication.",
    "payment_intent": { "id": "pi_3QK1aB2eZvKYlo2C1xYz", "status": "requires_payment_method" },
    "type": "card_error"
  }
}

Fix

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Copy-paste fixes for authentication_required are in the enrichment queue

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Last verified 2026-10-16 · Source: Stripe OpenAPI spec + decline codes + webhook docs · Official docs ↗ · ~5,400 searches/mo