Stripe: Enable 3DS (Payment group, Yes/No, default No) turns on 3-D Secure authentication for card payments, so customers whose bank requires it are asked to confirm the payment (for example with a code from their banking app) before it completes. This is required for many European cards under SCA rules and reduces fraud liability. The companion setting Stripe: Enable 3DS Pending Payments Confirmation controls whether orders whose authentication is still pending are held for confirmation rather than treated as failed. Both are configured by Sprwt for your account; contact support if customers in your country report authentication problems.