Stripe webhook event
invoice.payment_action_required
The payment needs customer authentication (3D Secure / SCA) before it can complete.
Quick answer
An off-session charge requires Strong Customer Authentication, common for EU/UK cards.
| Event type | invoice.payment_action_required |
|---|---|
| Category | Invoices & payments |
| When it fires | An off-session charge requires Strong Customer Authentication, common for EU/UK cards. |
| Recovery-relevant? | Yes, used in failed-payment recovery |
When it fires
An off-session charge requires Strong Customer Authentication, common for EU/UK cards.
What to do with it
Send the customer an authentication link rather than a silent retry, the charge cannot complete until they confirm.
This is a payment-recovery event
invoice.payment_action_required is part of the failed-payment lifecycle. Handling it well, with retries, branded emails, a card update page, and stop-on-success, is what recovers the ~9% of MRR most SaaS lose to failed payments. See how to recover failed Stripe payments or skip the build with SubRevival.
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Start Recovering RevenueFAQ
What does the Stripe invoice.payment_action_required webhook event mean?
The payment needs customer authentication (3D Secure / SCA) before it can complete.
When does invoice.payment_action_required fire?
An off-session charge requires Strong Customer Authentication, common for EU/UK cards.
What should I do when I receive a invoice.payment_action_required event?
Send the customer an authentication link rather than a silent retry, the charge cannot complete until they confirm.
Related events
Source: official Stripe events documentation.