Stripe says "We need to take action to make 3D Secure mandatory." How do I take action on WordPress?

Measures to make 3D Secure mandatory

I received the following email from Stripe regarding their response to making 3D Secure mandatory.

As part of measures to combat fraud, which is increasing year by year,End of March 2025By 2025, it will be mandatory to introduce the authentication system 3D Secure in principle. Stripe will gradually begin applying 3D Secure to transactions that meet the applicable conditions, and will expand it to all transactions by the time the system goes into effect at the end of March 2025. As a result, some payments will fail if 3D Secure authentication is not implemented correctly.

The biggest problem is that if the settings are not made, payments will not be possible.

What is 3D Secure?

I'm sure many of you have had the experience of having to go through SMS or email authentication before a credit card payment can be completed.
This is the two-step authentication required when making a credit card payment.

Until now, payment was completed once you entered your credit card information on the website.

1. Credit card input
2. Receive two-factor authentication success information
3. Payment completed

The process is as follows, and the flow "2. Receive information about successful two-step authentication" must be implemented on the website.

How to set up Stripe 3D Secure on your WordPress site

WordPress payment plugins, such as Wooommerce and Amelia, which we introduce, often already support 3D Secure.

How to check if your WordPress site supports Stripe 3D Secure

Now, let’s explain how to check if your WordPress site supports Stripe 3D Secure.
The overall process is as follows.

1. Build a test environment
2. Switch Stripe payments to test/sandbox mode
3. Test payment with the credit card number specified by Stripe
4. If the payment is completed, the transaction is processed.
5. If an error occurs, update the plugin and test the payment again.
6. If the error still occurs, you will need to make some adjustments to the system.

1. Build a test environment

In the case of xserver, WordPress Easy Migration is available, so use this function to clone the site you want to test.

2. Switch Stripe to Test/Sandbox Mode

In the Stripe settings for any plugins you're using, switch from live to test mode.

Amelia

Amelia > Settings > Payments
Open Stripe settings and turn on test mode.

For Paid Membership Pro

Member > Settings > Payment Gateway
In the Gateway environment, switch to Sandbox/Test.

 3. Make the actual payment using a 3D Secure-compatible card specified by Stripe

Use the credit card number provided by Stripe to verify that a test payment is successful.

The card to be used
4000002760003184

Authentication is always performed using a number with the last four digits being [3184].

Make sure you are in test mode

• Card Information:
• Expiration date: Any number you like
• Security number: Any number you like

The 3D Secure page will be displayed. Click the COMPLETE button to complete the payment flow.

4. If the test payment is completed successfully

Since it is 3D Secure compatible, there is no need to take any special action on your WordPress site.

5. If an error occurs

The latest version of the plugin may be compatible with 3D Secure, so check if you have received an update notification, update it, and make a test payment again.

5. If the error still occurs

The system will need to be adjusted.
If you need help, feel free to contact us via our official LINE account!