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Developer reveals 97% payment failure rate due to 3DS challenges

A developer shared a detailed breakdown of their payment funnel, revealing that 97% of payment intents fail to complete, with a 100% abandonment rate at the bank's 3DS challenge. The developer is testing several fixes, including lowering the entry price point to potentially bypass 3DS, ensuring customer creation is always on for payment links, and separating checkout paths for subscriptions versus one-time purchases. Despite these issues, the developer notes that demand exists and cards are valid, indicating the problem lies within the checkout infrastructure. AI

IMPACT Highlights critical friction points in online payment infrastructure that could impact AI service adoption.

RANK_REASON The item discusses a specific technical issue with a payment processing system and potential solutions, fitting the 'tool' category for AI-adjacent product/infrastructure problems.

Read on dev.to — MCP tag →

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Developer reveals 97% payment failure rate due to 3DS challenges

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  1. dev.to — MCP tag TIER_1 English(EN) · Rumblingb ·

    97% of My Payment Intents Never Complete. Here's the Exact Stripe Funnel Breakdown.

    <p>5 PaymentIntents tried to check out yesterday. 1 succeeded. 4 got stuck at the bank's 3DS challenge.</p> <p>Here's the breakdown:</p> <div class="table-wrapper-paragraph"><table> <thead> <tr> <th>Status</th> <th>Count</th> <th>Amount</th> <th>Why</th> </tr> </thead> <tbody> <t…