#bbyford-decline
rose ocean
pi_xxx
fast schooner
pi_3LX7mtA54W9sJike0fATXQjr
rose ocean
How come you're using the /pay endpoint?
But yep, bank decline for insufficient funds
fast schooner
sooo
I'm creating a customer with card details and adding them to a subscription without taking payment... My client is then checking the customers details and via the API we're requesting payment on the invoice... at this point its saying insuffient funds
(mostly as theres not way to do this check using subs, were as there is with normal payments by using the uncaptured flag)
Iin my experience anyways
rose ocean
You shouldn't really do this to check if a card is active/valid: https://support.stripe.com/questions/check-if-a-card-is-valid-without-a-charge
fast schooner
sorry maybe i confused you, we ARE saving the card
in Stripe to start, and creating and customer etc if there isnt one already for that person
I just wondered if making the actual charge after the fact might be casuing the issue... but if not then not to worry
rose ocean
Ok, but you still shouldn't use that API
fast schooner
why?
rose ocean
(it can't handle 3DS/auth requests that may be triggered)
fast schooner
mmmm wont that get triggered on saving the card?
rose ocean
You can use Setup Intents to save the PM and optimise for any future payments, but ultimately the bank can decide to request auth at any point
fast schooner
or is it that tcase that we should just not be doing that
rose ocean
What do you mean by 'vet'?
fast schooner
their business name, and details as my client doesnt allow direct competition sign ups
😢
rose ocean
Surely you just delay subscription creation until after that process
fast schooner
i guess we're working abit like a hotel at the minute were we take card details and create an invoice and we check them out if they're ok customers
...
but your saying just give up on that and do your checks before even going through the payments step??
rose ocean
I don't really have enough context on your business to advise anything really, other than I wouldn't use /pay as its not recommended in a SCA world
Hotels work differently really (auth/capture)
fast schooner
sure, but you dont have auth / capture for subs right?
also are you saying use /pay, not /invoices?
rose ocean
You're using this endpoint to manually attempt paying an invoice: https://stripe.com/docs/api/invoices/pay
https://dashboard.stripe.com/logs/req_4skYNoKKifG8k0
The invoice is generated from your subscription creation, and would normally be finalised/paid within ~1 hour
rose ocean
How do you mean?
fast schooner
you menitioned above invoices are normally paid in an hour
rose ocean
Yes, but you're bypassing that as you're attempting to manually pay them (via /pay)
fast schooner
ahhh right...
ok so whats the point of being able to pay an invoice if its likely to fail??
or on failure is it best to send them the stripe invoice pay link?
so they can deal with whatever 3DS issues there might be?
rose ocean
ok so whats the point of being able to pay an invoice if its likely to fail??
Well it's just an older endpoint that some integrations still use. We just generally don't recommend it in most cases. For example, setup a subscription with a test card that will require 3DS and call the /pay endpoint – it'll be a decline with no way to facilitate the 3DS flow
I've no idea what we're trying to solve here really. You asked about declines initially, and it seems like they're just normal insufficient funds declines
fast schooner
🙂
sorry, just wondered if there was any magic (i.e. any reason i would be getting more declines because of the way we're set up)
if they look normal then all good
rose ocean
Potentially, yes if you're using /pay
rose ocean
Which is why I'm recommend you figure out a different way to fits your business requirements
rose ocean
Especially if you deal predominantly in UK/EU