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Automatic Stripe billing with SCA / 3DS

Stop chasing payments — Stripe charges every renewal automatically and off-session, with SCA / 3D Secure handled for you.

  • Off-session renewals
  • SCA / 3DS compliant
  • Automatic retries (Pro)
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Free + ProRecurring billing

Manual renewals leak revenue — customers forget to pay invoices. Automatic Stripe billing (Pro) charges every renewal off-session from the stored card, with SCA / 3D Secure authentication handled at checkout so EU/UK renewals don’t get declined. Combined with automatic retries, it’s the foundation every other billing recipe should sit on. This recipe turns it on.

What you get
  • Every renewal charges automatically — no manual invoicing.
  • EU/UK cards stay compliant via SCA / 3D Secure.
  • Failed charges retry on a schedule before grace cancels.
  • Customers can update cards themselves from the portal (Pro).
Copy these settings

The exact configuration

Enter these values and you have the setup live. Every field maps to a real ArraySubs setting.

SettingValue
Stripe gatewayPayments → Automatic PaymentsEnabled & connected (Pro)
Off-session renewalsStripe settingsOn (automatic)
SCA / 3D SecureStripe (built-in)Handled at checkout & on renewals
Payment retriesAutomatic Payments → RecoveryOn (Pro recovery)
Best for

When to use this setup

Any store that wants hands-off recurring revenue
EU/UK merchants needing SCA compliance
High-volume plans where manual collection doesn’t scale
Set up

Set it up in 3 steps

A step-by-step guide drawn from the ArraySubs user manual. Open the linked page for the full walkthrough and screenshots.

  1. Enable Pro and connect Stripe

    Activate the Pro plugin and connect your Stripe account under Payments → Automatic Payments.

    Stripe Automatic Payments

  2. Confirm off-session renewals

    Verify renewals are set to charge automatically off-session from the stored payment method.

    Automatic Payments

  3. Turn on payment recovery

    Enable automatic retries so failed renewals are re-attempted on a schedule before the grace period cancels them.

    Recovery & Grace Flows
From the manual

This recipe is built from these ArraySubs user-manual guides:

Good to know

Notes & edge cases

Stripe stores cards via SetupIntent, which also powers card-required $0 trials.
Pair with a sensible grace period so retries have time to succeed before cancellation.
PayPal and Paddle are also supported for automatic payments with their own capabilities.
Built with

Modules behind this recipe

The ArraySubs modules this setup relies on.

Free + Pro

Billing and Renewals

How ArraySubs creates, schedules, communicates, and collects recurring payments from first invoice to final renewal.

Free + Pro

Customer Portal

Subscriber self-service inside WooCommerce My Account for viewing, cancelling, pausing, switching, and paying subscriptions.

More recipes

Related setups to explore

Other configurations you can build with the same modules.

Free + Pro

Card-required trial, then monthly

Capture a card during a $0 trial with Stripe, then charge automatically when the trial converts — e.g. 14 days, then $49/mo.

Free

Lenient failed-payment recovery

Give customers a long, forgiving grace period after a failed payment before anything is cancelled.

Pro

Failed payment → auto-downgrade

Instead of cancelling after a failed renewal, automatically move the customer to a cheaper plan.

FAQ

Questions, answered

SCA (Strong Customer Authentication) is required for EU/UK cards. Stripe handles the 3D Secure step at checkout and supports compliant off-session renewals so charges aren’t declined.

Stripe retries on a schedule and the two-phase grace period keeps access active while it recovers — only cancelling if the full window passes unpaid.
Paid Pro plans

Unlock the complete Pro stack

Start on the free-forever core today, then choose a paid Pro plan when you need the advanced Pro feature set.

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