CHURNBOT
online_or_offline_pin_requiredAuthenticationrare

Online or Offline PIN Required

What This Means

The card requires either an online or offline PIN for verification. For e-commerce, the online PIN option may be satisfied through 3D Secure. SaaS businesses should implement 3D Secure or ask the customer to use a different card.

This decline is retryable.

Smart retry logic can recover this payment. Use exponential backoff and retry after 24-72 hours.

Common Causes

  • 1Bank requires PIN verification that can be satisfied online through 3DS
  • 2Card has enhanced security requiring additional authentication
  • 3Regional banking regulations mandate PIN-based verification

Recovery Tactics

  1. 1Implement 3D Secure authentication to satisfy the online PIN requirement
  2. 2Ask the customer to try completing the transaction with 3DS enabled
  3. 3Suggest an alternative card if 3D Secure does not resolve the issue
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Related Decline Codes

offline_pin_required
Offline PIN Required
authentication_required
Authentication Required
card_not_supported
Card Not Supported

FAQ

Can 3D Secure satisfy this requirement?

In many cases, yes. The "online" PIN option can often be fulfilled through 3D Secure authentication. If you are not already using 3DS, implementing it may resolve this decline for many customers.

Is this common?

This is relatively rare and primarily affects certain European debit cards. If you serve mostly credit card customers in North America, you will rarely see this decline.

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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.

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All Decline Codes