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Closed Public Category: Technical Support / Bugs Ticket #451

Stripe Authentication Issue

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Chris Elliott

I've connected my store to Stripe and made a purchase which went fine.

a different buyer gets a J2Store_Authentication_Required error and cannot make a Stripe payment.

what do you suggest I do to debug this one?

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Screenshot 2025-09-01 at 20.43.57.png
Chris Elliott

Update:

This is a J5.3.3 site, J2Commerce 4.0.16, Stripe plugin v4.0.3.

i mention this in case its key to the solution!

Olivier Buisard Staff

Hi Chris,

do you have debug enabled on the plugin? If so, you should have logs in the /cache folder.

You should also be able to see what happened at Stripe if the error comes from their end. Have you checked your Stripe account?

Olivier.

Chris Elliott

Hello there, Olivier.

Many thanks for your suggestions. I didn't have debug enabled on the plugin at the time when this issue happened, so there's nothing for me to check right now. However, I have indeed looked in my Stripe account and I can see the error is repeated—and would appear to be related to the "Payment declined by customers' bank". 

The Stripe error message says "The bank returned the decline code authentication_required". 

Reading into this, this is authentication between the card holder and the bank (as opposed to Stripe and the card holder). I've passed this back to my end user for them to talk to their bank about the issue. 

Olivier Buisard Staff

All right, sounds good Chris!

I am closing this ticket for now but feel free to re-open a new one if you see fit.

Olivier.