# What changes are needed for JCB's new authentication request requirements?

JCB is changing certain data elements from “required conditional” to “required” or “required if available” to improve 3D Secure authentication data quality. This change is effective on October 1, 2025.
Failing to send the “required” or “required if available” data elements may increase authentication failures, subject to the issuer’s policy and decision. JCB won’t assess additional fees for successful transactions that don’t include these data elements. Stripe recommends including at least the “required” data elements.
### Cardholder information you must collect
This information can be provided in a `PaymentMethod` object via the [customer object](https://docs.stripe.com/api/customers/object) or the [billing details](https://docs.stripe.com/api/payment_methods/object#payment_method_object-billing_details) field. Populating these fields should improve authentication rates.
* Required
  * Name
  * Email address or phone number
* Required if available
  * Billing address city
  * Billing address country
  * Billing address line 1
  * Billing address postal code
### Cardholder information that Stripe collects
This data is collected via [Stripe.js or our payment SDK](https://docs.stripe.com/payments/3d-secure/authentication-flow), which includes Stripe’s hosted surfaces.
* Required
  * Browser IP address (browser payments only)
  * Browser screen height (browser payments only)
  * Browser screen width (browser payments only)
  * Device IP address (in-app payments only)
* Required if available
  * Browser language (browser payments only)
  * Browser time zone (browser payments only)