Approve with ID
What This Means
The bank would approve the transaction if the cardholder presented identification. Since this is not possible for online transactions, the bank is effectively declining. SaaS businesses should retry or ask the customer to contact their bank to pre-approve.
Smart retry logic can recover this payment. Use exponential backoff and retry after 24-72 hours.
Common Causes
- 1Bank requires additional identity verification for this transaction amount
- 2Card is flagged for enhanced verification due to suspicious activity
- 3Bank policy requires ID for first-time transactions with a new merchant
Recovery Tactics
- 1Retry the charge after 24 hours as the bank may auto-resolve the flag
- 2Ask the customer to contact their bank to pre-authorize the charge
- 3Suggest the customer complete any pending identity verification with their bank
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FAQ
Can online transactions ever satisfy this requirement?
Not directly, since showing a physical ID online is not possible. However, 3D Secure authentication can serve a similar verification purpose and may satisfy the bank's requirement. The customer can also call their bank to clear the flag.
Is this a permanent block?
No. approve_with_id is usually temporary. The bank often lifts the requirement after 24-48 hours or after the customer completes a verification step with them directly.
How healthy is your Stripe account?
Get a free churn health report. Find pending cancellations, failed payments, and expiring cards putting your MRR at risk.
Run Free Audit