setting for SCA /3D Secure

Hi @freelylw

SCA is already incorporated into the gateway. You don’t need to enable this manually. You can read more on this here: https://docs.woocommerce.com/document/stripe/#sca-psd2

Hi there @freelylw

SCA is a requirement and security setting from the financial institutions, Stripe has been updated to be compliant to this rather than imposing it to each card processor.

You may also read more on this here https://woocommerce.com/posts/introducing-strong-customer-authentication-sca/

It’ll depend on the card and its requirements. Some cards only require authentication for the initial payment. Some more clarification is added on the Stripe documents here: https://stripe.com/docs/strong-customer-authentication

Hi @freelylw

Thanks for your question!

1: if customers has SCA enable for his/her credit card

In this case, when checking out and completing orders, the orders will be on-hold waiting authorization.

The customers will receive a confirmation message, likely sent by the card issuer to their phone to authorize the payment, by entering special code or password etc. If the customer authorize the payment, then the payment becomes successful/processing status.

Transactions below € 30 will usually not require SCA. However, SCA will be required after five exempt transactions or if the total amount spent by the customer exceeds € 100.

2: If customer has SCA disable for his/her credit card

In this case, there is no authorization required. Stripe will try to charge the card immediately. (This would be a rare situation since SCA is required in European Economic Area (EEA)).

I hope that helps!

If you have any other questions, do not hesitate to let us know!