How to test 3D Secure payments in Stripe

1const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY);
2
3const paymentIntent = await stripe.paymentIntents.create({
4  amount: 5000, // $50.00
5  currency: 'usd',
6  payment_method: 'pm_card_threeDSecure2Required',
7  confirm: true,
8  return_url: 'https://yoursite.com/payment-result',
9});
10
11console.log('Status:', paymentIntent.status);
12// 'requires_action' — 3DS authentication needed

1// Frontend JavaScript
2const stripe = Stripe('pk_test_YOUR_PUBLISHABLE_KEY');
3
4async function handlePayment(clientSecret) {
5  const { error, paymentIntent } = await stripe.confirmCardPayment(clientSecret);
6
7  if (error) {
8    // 3DS failed or card declined after 3DS
9    console.error('Payment failed:', error.message);
10    document.getElementById('error').textContent = error.message;
11  } else if (paymentIntent.status === 'succeeded') {
12    console.log('Payment succeeded!');
13    window.location.href = '/success';
14  }
15}

1// Always requires 3DS, authentication can succeed or fail:
2// Card: 4000000000003220
3// Token: pm_card_threeDSecure2Required
4
5// Requires 3DS, authentication always fails:
6// Card: 4000008400001629
7
8// Requires 3DS, authentication succeeds:
9// Card: 4000000000003055
10
11// 3DS is supported but not required (Radar may trigger it):
12// Card: 4000000000003063
13
14// Use these with any future expiry, any 3-digit CVC, any postal code

1const express = require('express');
2const app = express();
3
4app.post('/webhook', express.raw({ type: 'application/json' }), (req, res) => {
5  const sig = req.headers['stripe-signature'];
6  let event;
7
8  try {
9    event = stripe.webhooks.constructEvent(
10      req.body,
11      sig,
12      process.env.STRIPE_WEBHOOK_SECRET
13    );
14  } catch (err) {
15    return res.status(400).send(`Webhook Error: ${err.message}`);
16  }
17
18  if (event.type === 'payment_intent.succeeded') {
19    console.log('Payment confirmed after 3DS:', event.data.object.id);
20  } else if (event.type === 'payment_intent.payment_failed') {
21    console.log('Payment failed after 3DS:', event.data.object.id);
22  }
23
24  res.json({ received: true });
25});