How to Interpret the requires_action Payment Method Status
When the payment method status is set to requires_action, the system treats it as though there is no usable Payment method. This state indicates that additional authorization is required—for example, the customer must verify their bank debit or authenticate their bank account—before the payment can proceed.
Why It Happens
-
Stripe sets
requires_actionwhen extra verification is needed (e.g., 3D Secure, bank account verification). -
The customer’s bank decides how the account must be verified:
-
Instant verification
-
Microdeposits
-
Descriptor code (provided by Stripe)
-
If the descriptor code is incorrect, you must contact Stripe support. If Stripe has provided you the wrong code, please let us know.
What to Do
-
Prompt the customer to complete the verification.
-
Once verification is complete, the status updates to
processingorsucceeded, and the payment can proceed.