notdpr - Payment Problems | Stripe Developers | Page 1

somber finch Jul 25, 2022, 4:36 PM

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HI 👋

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that's a lot of text, give me a sec to catch up

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First question:

failures on the initial on-session payment when creating a subscription
what kind of failures are these?

bright beacon Jul 25, 2022, 4:38 PM

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We see the message "The bank returned the decline code transaction_not_allowed." or "The bank returned the decline code do_not_honor.

somber finch Jul 25, 2022, 4:39 PM

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Yeah unfortunately that isn't something we can control and I don't think it's related to 3DS authentication

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But here's a good place to start: https://support.stripe.com/questions/india-faq

India FAQ : Stripe: Help & Support

Find help and support for Stripe. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

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India has some of the most complex financial regulations that I've come across

bright beacon Jul 25, 2022, 4:41 PM

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Yes, it's a big problem. They don't seem to do 3DS in many cases

somber finch Jul 25, 2022, 4:44 PM

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Indeed. And that is entirely up to the bank.

bright beacon Jul 25, 2022, 4:45 PM

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Our "last hope" is that maybe the full-on Stripe Payment Element will have better success on these initial on-session payments.... can you comment on that...

Also, the Stripe-hosted payment form at invoice.hosted_invoice_url seems to have better rate of success (when we manually send the India customer that link). Is there something that makes this form work better?

And, is it using the Payment Element?

somber finch Jul 25, 2022, 4:47 PM

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Unfortunately I cannot comment specifically on which interfaces provide higher conversion. The hosted invoice page does make use of the Stripe payment element

bright beacon Jul 25, 2022, 4:49 PM

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Ok, but it sounds like if we implement the Payment Element, then we'd at least be doing the same as Stripe does on the hosted form

somber finch Jul 25, 2022, 4:55 PM

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That is true which may improve conversion for you

bright beacon Jul 25, 2022, 4:58 PM

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Thanks for your help!

#notdpr - Payment Problems