Secure Online Payments with 3D Secure and Stripe
In today’s digital age, online transactions have become an essential part of our daily lives. As developers, it’s our responsibility to ensure that these transactions are secure and protected from fraud. One way to achieve this is by implementing 3D Secure protection when accepting payments online using Stripe.
What is 3D Secure?
3D Secure is a security protocol that authenticates the user before processing a payment. When a user enters their card details, they are prompted to verify their identity, usually via an OTP sent to their phone or a redirect to their bank’s website. This adds an extra layer of security to the payment process, reducing the risk of fraudulent transactions.
Creating a Donation Web Application with NodeJS, React, and Stripe
In this article, we’ll create a simple donation web application using NodeJS, React, and Stripe. We’ll cover the following topics:
- Setting up Stripe and obtaining API keys
- Creating a NodeJS backend and React frontend
- Building a checkout form in the frontend
- Processing payments with 3D Secure fallback
- Confirming payments and adding recurring subscriptions
- Testing our integration
Requirements
To follow along, you’ll need:
- A code editor (VSCode recommended)
- NodeJS installed
- A Stripe account
- Basic knowledge of command line and ReactJS/NodeJS
Setting Up the Backend
Let’s start by creating our backend using NodeJS, Express, and the Stripe package. We’ll install the necessary packages and set up an Express server with a simple route.
Setting Up the Frontend
Next, we’ll create our frontend using React. We’ll install the required packages, including Axios and Stripe Elements, and create a basic form for users to enter their payment details.
Triggering 3D Secure Authentication
When the user submits the form, we’ll check if Stripe and Elements are loaded. If not, the form will do nothing. We’ll then create a payment method from the card details entered, which will return an object containing the payment method ID.
Processing Payments
We’ll hit our backend and process the payment, attempting a simple HTTP payment first. If 3D Secure is required, we’ll trigger a 3D Secure authentication popup and confirm the payment intent.
Testing Our Integration
To test our Stripe integration, we can use test card details provided by Stripe. Make sure to set your Radar rules to force 3D Secure for supported cards.
What’s Next?
Explore more advanced features offered by Stripe, such as Apple Pay, Google Pay, saved cards, and off-session payments. You can also check out Stripe Checkout, which handles payment processing for you.
By following this tutorial, you’ll have a secure online payment system up and running with 3D Secure protection using Stripe.