---
title: [V1] Payment authentication (SCA authentication and 3D secure)
description: Learn how to complete Strong Customer Authentication (SCA) and 3D Secure payment authorizations in Stripe based on your customer’s bank or location.
---

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# \[V1\] Payment authentication (SCA authentication and 3D secure)

## Learn how to complete required payment verification steps (Strong Customer Authentication and 3D Secure) when processing card payments.

###### *Updated: October 24, 2025*

### Table of contents

- [What is payment authentication?](https://help.mystudio.io/sca-authorization#what-payment-authorization)
- [Why you might see an authentication message](https://help.mystudio.io/sca-authorization#Why-you-might-see-authorization-message)
- [Authenticating payments](https://help.mystudio.io/sca-authorization#authorizing-payments)
  
    - [Example: Capital One](https://help.mystudio.io/sca-authorization#capital)
    - [Example: TD Bank](https://help.mystudio.io/sca-authorization#td)
- [Troubleshooting and notes](https://help.mystudio.io/sca-authorization#Failures-and-notes)
- [Was this article helpful?](https://help.mystudio.io/sca-authorization#Was-this-article-helpful)

 

---

### What is payment authentication?

Payment authentication (sometimes called Strong Customer Authentication (SCA) or 3D Secure) is an extra verification step that helps ensure card payments are secure and successfully processed.

During this process, the customer’s bank may ask for additional information, such as entering a one-time code or approving the payment in their banking app, to verify that the cardholder is the one making the transaction.

Whenever this step is required, you will see a message in the system prompting you to complete the authentication process.

 

**Important**: This process will require you to be in direct contact with the customer involved so that they can provide the authentication code sent to their mobile device.

 

[^ Back to top](https://help.mystudio.io/sca-authorization#TABLE)

---

### Why you might see an authentication message

When a payment or payment rerun is processed, the **customer’s bank** or their **location/country** may require verification. This triggers an authentication message in the system.

 

[^ Back to top](https://help.mystudio.io/sca-authorization#TABLE)

---

### Authenticating payments

When a credit card transaction or payment rerun is made, you may be prompted to authenticate the payment using the SCA process.

1. Click “continue” to be redirected to a new tab with a preselected bank based on the card attached to the payment.
   
    
   
   ![Authentication Popup Message](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Authentication%20Popup%20Message.png?width=582&height=327&name=Authentication%20Popup%20Message.png)
2. A new tab will open with the bank’s authentication screen.
3. Follow the prompts to send a one-time code or notification to the customer.
4. Ask the customer to share the code or confirm the payment.
5. Enter the code to complete verification.

 

**Note**: Returning to the MyStudio tab before completing verification may temporarily show the payment as “successful,” but it will remain pending until verified in the other tab.

 

![Pending Authentication](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Pending%20Authentication.png?width=670&height=173&name=Pending%20Authentication.png)

 

Follow the prompts of sending the authentication code to the customer. These steps may look slightly different between banks, but we will outline a couple examples below.

 

[^ Back to top](https://help.mystudio.io/sca-authorization#TABLE)

---

#### Example: Capital One

1. On the Capital One page, select to send a temporary code to the customer.
   
    
   
   ![Capital One Authentication](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Capital%20One%20Authentication.png?width=575&height=252&name=Capital%20One%20Authentication.png)
2. Choose the customer’s phone number.
   
    
   
   ![Capital One Send Verification Code](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Capital%20One%20Send%20Verification%20Code.png?width=463&height=260&name=Capital%20One%20Send%20Verification%20Code.png)
3. The customer receives a one-time code by text message.
4. Enter the code to complete verification.
   
    
   
   ![Capital One Submit Verification Code](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Capital%20One%20Submit%20Verification%20Code.png?width=581&height=456&name=Capital%20One%20Submit%20Verification%20Code.png)
5. A successful message confirms the payment.

![Screenshot 2025-10-23 at 8.38.28 AM](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Screenshot%202025-10-23%20at%208.38.28%20AM.png?width=564&height=318&name=Screenshot%202025-10-23%20at%208.38.28%20AM.png)

[^ Back to top](https://help.mystudio.io/sca-authorization#TABLE)

---

#### Example: TD Bank

1. On the TD Bank screen, select the phone number to send the code.
   
    
   
   ![Screenshot 2025-10-23 at 8.39.00 AM](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Screenshot%202025-10-23%20at%208.39.00%20AM.png?width=490&height=375&name=Screenshot%202025-10-23%20at%208.39.00%20AM.png)
2. The customer received the code via text message.
3. Enter the code and submit.
   
    
   
   ![TD Bank Enter Verification Code](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/TD%20Bank%20Enter%20Verification%20Code.png?width=500&height=430&name=TD%20Bank%20Enter%20Verification%20Code.png)
4. A confirmation message appears once the payment is complete.

![Screenshot 2025-10-23 at 8.38.28 AM](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Screenshot%202025-10-23%20at%208.38.28%20AM.png?width=567&height=320&name=Screenshot%202025-10-23%20at%208.38.28%20AM.png)

 

[^ Back to top](https://help.mystudio.io/sca-authorization#TABLE)

---

### Troubleshooting and notes

- **Payment stuck in pending:** Complete the authentication process to finalize the payment.
  
   
  
  ![Pending Authentication](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Pending%20Authentication.png?width=670&height=173&name=Pending%20Authentication.png)
- **Payment failed:** If verification fails or expires, the payment will move to failed/past due and must be rerun.
  
   
  
  ![Screenshot 2025-10-23 at 8.39.32 AM](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Payment%20Authorization%20(SCA%20and%203D%20Secure)/Screenshot%202025-10-23%20at%208.39.32%20AM.png?width=510&height=278&name=Screenshot%202025-10-23%20at%208.39.32%20AM.png)
- **Customer didn’t receive code:** Verify the phone number or check if the bank uses an app for authentication.
- **Recurring or auto-pay payments:** Verification generally applies to customer-initiated payments. Retries or re-entered cards may still require verification.

 

[^ Back to top](https://help.mystudio.io/sca-authorization#TABLE)

---

 

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