Is the Indian Stripe account same in functionality as the US account? Or is it restricted in some way due to the strict RBI rules in India?
If it's going to be restricted in some major way, then there won't be any difference between Stripe and say PayPal which makes it a non-starter.
RBI really needs to loosen up a bit, especially when it comes to over-regulation of the Software sector.
All processors are required to do 3D Secure verification. Local processors have integration for NetBanking. International ones are card only but may have better developer experience. Apple Pay uses 3D Secure too but bypasses two-factor verfication by tokenization.
Reliability/sucess rate is no longer as big of a deal with most competent processors. We've found the need to build custom tooling and abuse data more important for the Indian ecosystem.