#BlackHawk - PaymentMethod
lunar abyss
Hi Soma!
dreamy bloom
Pasting your question here:
I need to validate something please. In order to activate any of Afterpay/Clearpay/Klarna the only thing we need to check is the merchant country that is one of the supported ones (For example Klarna → https://stripe.com/docs/payments/klarna) and not the currency at all ?
What do you mean by "activate"?
lunar abyss
enable
One of our clients
merchant country is in IT
and although here
it says that USD is supported, when you try to pay in USD an error is generated
So I am wondering an IT merchant, can accept USD ?
dreamy bloom
There are multiple factor to know if a PaymentMethod will be available. For example for Klarna there is:
- The merchant's country
- The customer's country
- The currency used
Everything should be mentioned here: https://stripe.com/docs/payments/klarna
lunar abyss
ok so if merchant = IT, currency = USD, and customer country is GR this can't be happen
dreamy bloom
I don't know the the exact combinations that work, but based on the error message you shared, it looks like USD is not possible with the country of your Stripe account. You need to use EUR, DKK, GBP, NOK, or SEK.
lunar abyss
but stripe says that USD is supported!
its confusing
if you check the second screenshot from the Stripe dashboard, "supported currencies" include USD
dreamy bloom
USD is supported, but not for all merchants. It depends on the country of your Stripe account. But I agree it's a bit confusing.
lunar abyss
his country is IT and stripe says that USD is supported
then a client of him tries to pay him in USD and it is blocked
because most probably the customer's country is not the right one as well? not sure
We need to explain it somehow
and also check our implementation, that's why I am asking you
dreamy bloom
In the screenshot you shared, you were trying to create a PaymentIntent, so only the country of your account should be taken into account at this point.
weary kelp
Hey, taking over here. Let me know if there's any follow-up Qs I can answer!
lunar abyss
again I cannot understand this
if in this payment intent only the country of the account is used ( IT ) and the currency (USD) and this pair is rejected, why I see that it is supported under stripe dashboard and how I can explain this to the customer?
weary kelp
IT merchants can process USD, as per: https://stripe.com/docs/currencies?presentment-currency=IT#presentment-currencies
The issue is that European merchants cannot process USD transactions via Klarna
You should rely on APMs instead of providing the payment_method_types param when creating your PI: https://stripe.com/docs/api/payment_intents/create#create_payment_intent-automatic_payment_methods
weary kelp
The issue is that European merchants cannot process USD transactions via Klarna
This is highlighted on the table here: https://stripe.com/docs/payments/klarna#payment-options
USD with KIarna is only available for US merchants
lunar abyss
interesting
so it's wrong that stripe includes under Merchant's Klarna settings the option that he can receive USD, because he cannot. Right?
for reference -> #1003599714782040104 message
weary kelp
I suppose in this instance it's inaccurate yes. I suspect it doesn't account for the merchant country
I'd always use the documentation as the source of truth
lunar abyss
yeah but I am a dev. The client will have the dashboard as the source for truth
And he will blame the implementation 🙂
weary kelp
It's valuable feedback that I'll relay internally
lunar abyss
thank you very much @weary kelp !
weary kelp
As stated, you should instead use APMs to surface the valid payment method types in the Payment Element and that'll reduce API errors like this
weary kelp
Automatic payment methods: https://stripe.com/docs/api/payment_intents/create#create_payment_intent-automatic_payment_methods
lunar abyss
great, thanks again for your help!