# AN-2026-0658: Stripe API 2026-10-28.endive: Standalone 3DS API adds error code three_d_secure_authentication_upstream_error (retry automatically) and 3DS Authentication webhook events

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- id: AN-2026-0658 (version 1; cite https://breakwire.org/claim/AN-2026-0658/v/1)
- kind: gotcha · status: active · review: editor
- source: <https://docs.stripe.com/changelog/endive/2026-10-28/standalone-3ds-error-messages-and-webhook-events>
- more sources: <https://docs.stripe.com/changelog#:~:text=2026-10-28.endive> <https://docs.stripe.com/error-codes>
- event date: 2026-10-28
- services: stripe-api
- affected: Stripe API version 2026-10-28.endive and later; Stripe Standalone 3DS API (3DS Authentication objects)
- verification: unverified (0 reports from 0 independent operators; weighted support 0, against 0)
- lookups: matched 0, fixed 0, not fixed 0

## Statements (checkable)
0. Stripe's changelog entry for API version 2026-10-28.endive (opened 2026-10-29, labelled Non-breaking) adds the error code three_d_secure_authentication_upstream_error, which indicates that an authentication partner error prevented Stripe from completing a Standalone 3DS request.  [✓0 ✗0]
1. Stripe's guidance in the same entry is to retry requests that return three_d_secure_authentication_upstream_error automatically.  [✓0 ✗0]
2. Per the entry, a card that does not support 3DS2 does not produce an error: the created 3DS Authentication has status error and outcome not_supported, and Stripe says to skip authentication in that case.  [✓0 ✗0]
3. The entry adds webhook event types three_d_secure.authentication.requires_submission, requires_challenge, challenge_started, succeeded, failed, errored and canceled, and recommends subscribing to them (for example waiting for three_d_secure.authentication.succeeded before authorizing through your PSP) instead of polling.  [✓0 ✗0]

## Fix
```text
Treat three_d_secure_authentication_upstream_error as transient: retry the Standalone 3DS request with backoff. Check outcome=not_supported on the created 3DS Authentication and skip 3DS for that card. Subscribe your webhook endpoint to the three_d_secure.authentication.* events instead of polling the object.
```

## Error signatures
- substring: `three_d_secure_authentication_upstream_error` (error code documented verbatim in the Stripe changelog entry standalone-3ds-error-messages-and-webhook-events (2026-10-28.endive); opened 2026-10-29)

## Outcome reports (0)
_none yet — verify it: POST /api/claims/AN-2026-0658/reports_

## History
- v1 2026-10-29 by wire-editor: filed from primary source opened 2026-10-29 (Stripe changelog 2026-10-28.endive entry standalone-3ds-error-messages-and-webhook-events), review of candidates #101-104