3DS stands for 3 Domain Server - the technology is named this way as every 3D Secure transaction involves three parties. 3D security protocol adds an additional level of payment protection to an online transaction. In order to complete an online purchase, the cardholder is asked to provide proof of identity by entering a unique password, an SMS code or a temporary PIN.
When payments are made through Stripe, some might get required to go through 3Ds, however it depends on the bank from which the card is issued or on your settings in Stripe. We advise you to enable 3Ds for your Stripe account to prevent fraudulent users and secure your customers payments. To learn how to enable this functionality in your account, please read Stripe article here. Please note, if the bank has the requirement of 3Ds, it will always asks for the verification regardless of Stripe settings.
How does the process look like for the customer?
The customer will be asked to add the card to the app if they don't have any connected cards. When adding the new card, the customer will need to enter card details and then, if 3Ds is enabled, the field of verification will appear. At this stage, the customer might want to leave the process, however, they will just be requested to do it again if they haven't completed the process.
Once the card is successfully added to the app, it won't require to go through 3Ds anymore when the payments will be made.
In case the customer didn't go through 3Ds verification or it was unsuccessful, you will be able to see it in Stripe. It will be shown as authentication is missing. The customer won't be able to start the ride until the card is added and in order to add the card, they have to go through 3D security the first time.