> ## Documentation Index
> Fetch the complete documentation index at: https://docs.heydollr.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Card 3DS or requires_action

> Handle Stripe authentication when collection execution returns requires_action and client_secret.

## Symptom

`POST /v1/executions/collection` returns:

```json theme={null}
{
  "status": "PROCESSING",
  "requires_action": true,
  "client_secret": "pi_xxx_secret_xxx"
}
```

Or the payment stays in `PROCESSING` and the customer did not complete card authentication.

## Cause

International cards often require **3D Secure (3DS)**. Dollr returns `client_secret` so your frontend can complete authentication with Stripe.js.

<Info>
  [Hosted checkout](/guides/hosted-checkout) handles 3DS automatically — this article applies to [API-embedded card](/guides/collect-with-card) integrations only.
</Info>

## Fix

1. Pass `client_secret` to Stripe.js on your frontend:

```javascript theme={null}
const stripe = Stripe(process.env.NEXT_PUBLIC_STRIPE_PUBLISHABLE_KEY);
const { error, paymentIntent } = await stripe.confirmCardPayment(client_secret);

if (error) {
  console.error(error.message); // Show to customer
} else if (paymentIntent?.status === "succeeded") {
  // Poll Dollr status — do not assume success from Stripe alone
}
```

2. Poll Dollr execution status with your stored `reference_id`:

```http theme={null}
GET /v1/status/collection/{reference_id}
```

3. Do **not** call execute again with a new `reference_id` while status is `PROCESSING`.

## Common failures

| Stripe error              | Action                                                                                |
| ------------------------- | ------------------------------------------------------------------------------------- |
| `authentication_required` | Customer must complete 3DS — call `confirmCardPayment`                                |
| `card_declined`           | Ask customer to try another card                                                      |
| Missing publishable key   | Set `NEXT_PUBLIC_STRIPE_PUBLISHABLE_KEY` from [Environments](/reference/environments) |

## Related

* [Collect with card](/guides/collect-with-card)
* [Payment processing status](/knowledge-base/payment-processing-status)