Charging 3D secure cards

[AliOsm]

I want to charge users at the end of each month manually, as I calculate their usage and charge it 1 time per month.

This works fine with non-3D secure cards, but when I tested it with 3D secure cards, Pay raises this exception:

pay-6.8.1/lib/pay/payment.rb:52:in `validate': This payment attempt failed because additional action is required before it can be completed. (Pay::ActionRequired)

How to fix this? Maybe sending a link to the user to authenticate and complete the payment?

[AliOsm]

Based on: https://github.com/pay-rails/pay/blob/main/docs/stripe/4_sca.md, I need to catch the exception and send an email to the user to authenticate the payment, right?