We are based in the UK and yesterday, for the first time, a guest got an error message and the booking process failed when they tried to book using the OwnerRez widget on our Squarespace website (www.theoldworkshopmonktoncombe.co.uk). We use Stripe for payment processing and previous guests have been able to book and pay by credit card without problems. After yesterday's guest tried to book and submitted credit card details they were shown the "Final page of the acceptance process" OwnerRez form with an error message: "Transaction failed with status: requires_action. Please use the edit buttons below to update your information and try again". The guest tried updating credit card details and it again failed in the same way. The guest had no message on screen, by email, SMS or on their banking app to suggest authentication was needed.
Looking at the Stripe documentation (https://docs.stripe.com/payments/paymentintents/lifecycle) this appears to be because of needing 3D Secure authentication, and it looks like the guest should have been redirected to provide this. I don't know whether Stripe or the OwnerRez API should be doing this, though I don't think the OwnerRez booking process should fail whichever it is. I found one previous discussion about it in the forum but it didn't reach a conclusion.
It may only be a problem in places where 3D Secure is necessary (Europe, UK, India, Japan, Australia), but I don't understand enough about it to know if it is my setup that is at fault or a more general problem. Are others having the same issue? Is there a workaround?
Thanks for any help anyone can give. Guests being unable to book/pay is obviously a big problem.
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