Scope

3DS checkout flow with Stripe and Chargebee

Summary

The 3D Secure (3DS) checkout flow is a security protocol used by payment gateways like Stripe and Chargebee to provide an additional layer of authentication for online transactions. It helps protect against fraudulent activities and provides assurance to both merchants and customers. 

Here's a general overview of the 3DS checkout flow with Stripe and Chargebee:

1. Customer initiates the payment
2. Transaction request
3. Chargebee communicates with Stripe
4. 3DS authentication initiation
5. Customer authentication
6. Issuer sends authentication response
7. Transaction processing
8. Completion and response

Solution

Here's a detailed overview of the 3DS checkout flow with Stripe and Chargebee:

1. Customer initiates the payment: The customer selects the desired products or services and proceeds to the checkout page on the merchant's website.

2. Transaction request: When the customer submits the payment details, the merchant's website sends a transaction request to Chargebee, which acts as a subscription billing and management platform.

3. Chargebee communicates with Stripe: Chargebee, integrated with Stripe, sends the transaction details to Stripe's API for processing.

4. 3DS authentication initiation: Based on various factors such as the card type and issuer, Stripe determines whether the transaction requires 3D Secure authentication. If it does, Stripe requests the authentication process from the customer's card issuer.

5. Customer authentication: The customer's card issuer receives the authentication request and, depending on the issuer's implementation, may prompt the customer to provide additional information for verification. This can include a one-time password (OTP), biometric authentication, or other security measures.

6. Issuer sends authentication response: Once the customer completes the authentication process, the card issuer generates an authentication response and sends it back to Stripe.

7. Transaction processing: Stripe receives the authentication response and proceeds with the transaction based on the result. If the authentication is successful, the payment is authorized, and the funds are transferred from the customer's account to the merchant's account.

8. Completion and response: Stripe communicates the transaction status to Chargebee, which then informs the merchant's website about the result of the payment. The customer is typically redirected back to the merchant's website to see the payment confirmation.

It's important to note that the specific implementation and user experience may vary depending on the integration and customization choices made by the merchant and the payment gateway. However, the general flow described above outlines the key steps involved in the 3DS checkout process with Stripe and Chargebee