Webview based 3DSecure authentication always fails

[Drusy]

Summary

Unexpected behavior

3D Secure authentication always fails in test mode even if "Complete Authentication" is pushed.
Return URL is configured, Stripe.handleURLCallback(with: url) is called and returns true

Error thrown is

Error Domain=STPPaymentHandlerErrorDomain Code=5 "We are unable to authenticate your payment method. Please choose a different payment method and try again." UserInfo={NSLocalizedDescription=We are unable to authenticate your payment method. Please choose a different payment method and try again.}

Expected behavior

The error should have STPErrorMessageKey, STPStripeErrorTypeKey with insufficient_funds

Test card used

4000 0082 6000 3178

This card requires authentication for one-time payments. All payments will be declined with an insufficient_funds failure code even after being successfully authenticated or previously set up.

iOS version

iOS 12.4 | iOS 12.3.1

Installation method

Carthage

SDK version

github "stripe/stripe-ios" "v16.0.4"

[Drusy]

To complete the issue, all the other native authentication screens works like a charm

• 4000 0000 0000 3220 (Out of Band)
• 4000 0000 0000 3238 (One Time Passcode)
• 4000 0000 0000 3246 (Single Select)
• 4000 0000 0000 3253 (Multi Select)

Only the webview based authentication screen seem to have an unexpected behavior.

[yuki-stripe]

Thanks for the report @Drusy, we are fixing this right now in #1291

[Drusy]

@yuki-stripe, the pull request added the error in lastPaymentError but the codes returned by the card 4000 0082 6000 3178 does not comply with the documentation.

I have:
type: STPPaymentIntentLastPaymentErrorType.card = "card_error" -> OK
code: "card_declined" -> OK
declineCode: nil -> NOT OK, should be insufficient_funds and I think should never be nil in case of card_declined

The documentation of the card 4000 0082 6000 3178 says we should expect a insufficient_funds decline code.

This card requires authentication for one-time payments. All payments will be declined with an insufficient_funds failure code even after being successfully authenticated or previously set up.

Am I missing something or should I create a new issue ?

[yuki-stripe]

@Drusy Thanks for spotting this. Fixing in #1319

[Pal-illuminz]

User not auto redirect to the app after failed or confirmation with the specific card.

[dhaval-dobariya]

@Pal-illuminz I am also seeing this screen, any solution for this?