Strong Customer Authentication (SCA), a new rule that came into effect on September 14, 2019, as part of PSD2 regulation in Europe, requires changes to how European businesses authenticate online payments. You can read more here: https://stripe.com/docs/strong-customer-authentication
As a result of this directive, we have made a change to tag all payments captured using <Pay> with Stripe or CardConnect connector as MOTO (Mail Order/Telephone Order) payments, MOTO payments are exempt from PSD2 regulation. This change does not affect how Twilio <Pay> is used or the responses it generates upon successful payment. Moreover, this change does not apply when Twilio <Pay> is used to tokenize payment card information.