authentication_required
Authentication required. The bank requires the customer to authenticate the payment (3D Secure / SCA), common in Europe and the UK.
Will retrying the charge work?
No. The same card will keep failing. You need the customer to give you a new payment method.
What to do about it
The customer has to complete authentication themselves. Send them a link to confirm the payment. Retries without authentication will keep failing.
What to tell your customer
Your bank needs you to confirm this payment. Follow the link to approve it.