diff --git a/stripe/build.gradle b/stripe/build.gradle
index c9539906b88..e900c54e760 100644
--- a/stripe/build.gradle
+++ b/stripe/build.gradle
@@ -33,7 +33,7 @@ dependencies {
     // Api for this import because we use reflection to alter TextInputLayout
     api 'com.google.android.material:material:1.1.0'
 
-    implementation "com.stripe:stripe-3ds2-android:4.0.4"
+    implementation "com.stripe:stripe-3ds2-android:4.0.5"
 
     implementation "org.jetbrains.kotlin:kotlin-stdlib-jdk7:$kotlinVersion"
     implementation "org.jetbrains.kotlinx:kotlinx-coroutines-core:$kotlinCoroutinesVersion"
diff --git a/stripe/src/main/java/com/stripe/android/StripePaymentController.kt b/stripe/src/main/java/com/stripe/android/StripePaymentController.kt
index 80d44ee465d..32ba4712037 100644
--- a/stripe/src/main/java/com/stripe/android/StripePaymentController.kt
+++ b/stripe/src/main/java/com/stripe/android/StripePaymentController.kt
@@ -657,9 +657,7 @@ internal class StripePaymentController internal constructor(
         )
 
         workScope.launch {
-            // call `authenticationRequestParameters` on background thread to avoid StrictMode
-            // DiskReadViolation
-            val areqParams = transaction.authenticationRequestParameters
+            val areqParams = transaction.createAuthenticationRequestParameters()
 
             val timeout = config.stripe3ds2Config.timeout
             val authParams = Stripe3ds2AuthParams(
diff --git a/stripe/src/test/java/com/stripe/android/StripePaymentControllerTest.kt b/stripe/src/test/java/com/stripe/android/StripePaymentControllerTest.kt
index 2c6800b1700..bf074ccef3c 100644
--- a/stripe/src/test/java/com/stripe/android/StripePaymentControllerTest.kt
+++ b/stripe/src/test/java/com/stripe/android/StripePaymentControllerTest.kt
@@ -45,6 +45,7 @@ import com.stripe.android.view.PaymentRelayActivity
 import kotlin.test.BeforeTest
 import kotlin.test.Test
 import kotlinx.coroutines.ExperimentalCoroutinesApi
+import kotlinx.coroutines.runBlocking
 import kotlinx.coroutines.test.TestCoroutineDispatcher
 import kotlinx.coroutines.test.TestCoroutineScope
 import org.junit.runner.RunWith
@@ -83,8 +84,10 @@ class StripePaymentControllerTest {
 
     @BeforeTest
     fun setup() {
-        whenever(transaction.authenticationRequestParameters)
-            .thenReturn(Stripe3ds2Fixtures.AREQ_PARAMS)
+        runBlocking {
+            whenever(transaction.createAuthenticationRequestParameters())
+                .thenReturn(Stripe3ds2Fixtures.AREQ_PARAMS)
+        }
         whenever(activity.applicationContext)
             .thenReturn(context)
     }