Easily debug your 3DS authentication with Stripe Workbench

Hidetaka OkamotoOct 22, 2024

Source: Stripe
Published: Oct 22, 2024
Added to Yomu: Aug 28, 2026

Summary

Stripe Workbench provides browser-based tools for investigating EMV 3DS authentication and related payment flow behavior in the Stripe dashboard. It lets developers inspect Payment Intent and Charge data, including payment_method_details.card.three_d_secure.authentication_flow and result, to determine whether authentication used a challenge UI and whether it completed successfully. The Inspector also exposes API history and webhook events, while the Events tab can filter historical payment_intent.requires_action events and show their frequency over a selected period. In the Shell tab, stripe trigger payment_intent.requires_action simulates a 3DS-related flow and generates event data without installing additional tools, allowing webhook handling to be tested and investigated from the dashboard.

Context

Developers may need to investigate payment failures and determine whether EMV 3DS authentication occurred, whether it used a risk-based flow or displayed an identity-verification UI, and why a transaction was rejected.

Approach / What changed

Use Stripe Workbench in the dashboard to inspect Payment Intent and Charge objects, review API and webhook histories, filter historical payment_intent.requires_action events, and run Stripe CLI trigger commands in the Shell tab to simulate 3DS-related events.

Takeaways

The Charge object's payment_method_details.card.three_d_secure.authentication_flow indicates the 3DS flow type; a value of challenge means the authentication UI was presented to the customer.
The three_d_secure.result_reason field can explain a failed 3DS flow; card_not_enrolled means the card does not support 3D Secure or has not been set up for it.
Running stripe trigger payment_intent.requires_action in Workbench's Shell tab creates simulated event data for testing webhook-driven payment handling without installing additional tools.

Authentication Developer Experience Monitoring Testing

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Easily debug your 3DS authentication with Stripe Workbench

Hidetaka OkamotoOct 22, 2024

Source: Stripe
Published: Oct 22, 2024
Added to Yomu: Aug 28, 2026

Summary

Context

Approach / What changed

Takeaways

The Charge object's payment_method_details.card.three_d_secure.authentication_flow indicates the 3DS flow type; a value of challenge means the authentication UI was presented to the customer.
The three_d_secure.result_reason field can explain a failed 3DS flow; card_not_enrolled means the card does not support 3D Secure or has not been set up for it.
Running stripe trigger payment_intent.requires_action in Workbench's Shell tab creates simulated event data for testing webhook-driven payment handling without installing additional tools.

Authentication Developer Experience Monitoring Testing

Read original post

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