Franc82 - Setup Intent | Stripe Developers | Page 1

glacial arch Jul 27, 2022, 4:56 PM

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Hi 👋

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In the EU it is expected that a 3DS security challenge would occur. As for the 0 euro transaction, that I am less familiar with. Do you have an example payment?

hushed coral Jul 27, 2022, 4:58 PM

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here is a setupintent ID: seti_1LLNvMC9cm0szIxnz1JY45OO

glacial arch Jul 27, 2022, 5:01 PM

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Okay I can see the 3DS challenge is requested by the issuing bank. And then it succeeds and the redirect is performed to return the user to your integration and notify you of the success of the 3DS challenge.

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There is a charge but it should not be visible to the end-customer.

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The charge is required to perform the 3DS challenge

hushed coral Jul 27, 2022, 5:03 PM

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hum that might be a problem

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what is the value of that charge? is it 0?

glacial arch Jul 27, 2022, 5:04 PM

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Yup, 0.

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This is required by banks operation under SCA regulations.

hushed coral Jul 27, 2022, 5:05 PM

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please could you confirm that it is also the case for this setupintentID: seti_1LLOCsC9cm0szIxndaBXWudm

glacial arch Jul 27, 2022, 5:06 PM

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This setup attempt failed because the authentication failed

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We did not reach the step of creating the 0 charge

hushed coral Jul 27, 2022, 5:07 PM

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actually the customer is claiming that her bank is denying the 0 charge

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is it possible to charge an amount of at least 1 ?

glacial arch Jul 27, 2022, 5:09 PM

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The charge was never created as far as I can tell. We cannot change the amounts as this is a universal process that we have established with banks world-wide as far as I know.

hushed coral Jul 27, 2022, 5:10 PM

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please could you point me to documentation describing that 0 charge involved?

glacial arch Jul 27, 2022, 5:13 PM

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I am not aware of anything specific to that. You can read about SCA payment flows here though:
https://stripe.com/guides/sca-payment-flows

hushed coral Jul 27, 2022, 5:15 PM

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because the customer is claiming that her bank can't approve a 0 charge and that we should increase the amount

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are you with me?

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looks like you're not here anymore

inland mural Jul 27, 2022, 5:21 PM

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Hi there 👋 taking over

Give me a few minutes to get caught up.

hushed coral Jul 27, 2022, 5:21 PM

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ok

inland mural Jul 27, 2022, 5:22 PM

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Thanks for waiting. The server is busy and it's not always possible to circle back within <5 minutes

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The 0 dollar charge is usually not a charge at all, but rather an authorization. Most (if not all ) banks support the 0 dollar auth, because that's how many merchants validate card details before creating a charge. There is no way to adjust that amount, as it is built into the product

hushed coral Jul 27, 2022, 5:25 PM

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but in this case, the bank doesn't allow that so what can we do?

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surely not bypassing 3D Secure as it would be a breach of SCA?

inland mural Jul 27, 2022, 5:28 PM

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Do you have a request ID for the authentication attempt?

Here's how you can find a request ID: https://support.stripe.com/questions/finding-the-id-for-an-api-request

Finding the ID for an API Request : 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.

hushed coral Jul 27, 2022, 5:29 PM

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req_hdsOtTbJuvFzeL

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are you there?

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not sure why it is so slow tonight

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looks like you're gone too

inland mural Jul 27, 2022, 5:33 PM

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@hushed coral it has been 3 minutes. Please be patient. The server is busy

hushed coral Jul 27, 2022, 5:34 PM

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ok

inland mural Jul 27, 2022, 5:35 PM

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This setup intent failed authentication, which usually means that something happend during the auth (not necessarily that the bank is blocking $0 charges). If you know beyond a shadow of a doubt that the bank will block all $0 charges, then there's nothing more we can do here. If you suspect that it might have been blocked for another reason, then you would need to work with the user to figure out where in the process the payment flow is going awry

hushed coral Jul 27, 2022, 5:38 PM

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I was in touch with the customer and they confirm their bank isn't allowing $0 charge

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what would be the way around it now? surely not to bypass SCA?

inland mural Jul 27, 2022, 5:45 PM

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I would actually call that bank and check, because this sounds like a miscommunication. They probably blocked that $0 charge because the authentication itself failed. Not because they simply don't accept $0 charges.

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There's no way around SCA

#Franc82 - Setup Intent