Recent changes requiring two-factor authentication on payments in Europe have required 3D Secure 2.0 (3DS) coverage for subscriptions particularly in a recurring billing scenario.
This update includes the full buyer end-to-end experience for a 3DS challenge when attempting recurring billing.
If a European buyer’s bank requires authentication, then Shopify notifies the buyer in an email of the 3DS challenge requirement. If the buyer authentication fails, then it's the partner’s responsibility to retry the payment.
For information on 3DS support for subscriptions and more detail on Shopify and partner responsibilities in this process, click here.