#aphel-terminal
torpid haven
@unreal skiff mind if I send you a DM? I've a dev question, but more about how fields are being specified in the auth request to Mastercard
torpid haven
well, what exactly is Stripe in a Stripe Terminal transaction? as in, do you process them any differently to normal transactions where you act as a payment facilitator?
underlying thing I'm trying to make sense of is if you provide any unique identifiers for individual merchants in the authorisation request you send to mastercard
unreal skiff
Stripe terminal uses under the hood the same PaymentIntent API used in all of our different Payment products
torpid haven
so is it like 'stripe connect', where the underlying merchant is still, actually, the merchant, and not Stripe itself?
unreal skiff
underlying thing I'm trying to make sense of is if you provide any unique identi...
that I don't know the answer to, to be completely honest with you, I could internally if someone could help out answering this question
unreal skiff
so is it like 'stripe connect', where the underlying merchant is still, actually...
Oh if that's what you mean, then yes. the merchant and the descriptors are related to your own Account
torpid haven
gotcha, to follow on that, for Stripe Terminal transactions (and then consequently any Stripe transaction), I presume Stripe is the one holding a merchant account with an acquirer? In which case, are submerchant attributes specified in the auth request identifying the actual merchant?
unreal skiff
sorry I don't think I follow the question.
If you mean that if you're using Connect would the Connect merchant's info+descriptor be the one used than this depends on what kind of Charges you're doing whether it's a Destination or a Direct Charge
torpid haven
sorry to ask again but mind if I DM you? bit easier to explain the context
unreal skiff
in the case of the former that would be your Platform Account, in the case of the latter it would be the Connect account
unreal skiff
sorry to ask again but mind if I DM you? bit easier to explain the context
if you prefer a private conversation you could either contact support via https://support.stripe.com/?contact=true or send an email to support@stripe.com
torpid haven
last q, would you be able to check the answer of this for me: do you provide any unique identifiers for individual merchants in the authorisation requests you send to mastercard
valid heron
@torpid haven specific details of what we send on auth messages to card networks are implementation details that we are not going to discuss on any public forum really and is not relevant to 99% of our users.
Do you have a specific reason for asking these questions, what's the developer-facing problem or question you have prompting this?
I assume you have a real reason like you're investigating a specific livemode dispute or a decline or you're filling in an RFP. This channel is for public developer API/coding questions so depending on what you're looking for you probably want to contact our support team 1-on-1 but I can try to help or redirect you if you have public context.
torpid haven
yeah, it's admittedly a bit hard to discuss in a public context, but I've generally found this channel easier/faster for dev queries than emailing in, but I suppose emailing in may be more appropriate for my particular problem
the issue relates to identifying merchants in stripe card transactions from an issuer's perspective
valid heron
fair enough. With no context I can't answer anything really. Maybe you would need to use(or not use) the on_behalf_of API parameter which does influence this(https://stripe.com/docs/connect/destination-charges#settlement-merchant) in your integration but that's a guess.
identifying merchants in stripe card transactions from an issuer's perspective
sure but why, are you an issuer, did an issuer tell you as a merchant or their customer something specific while you're investigating some dispute or decline. I assume that's what it is, and in that case you want to get a specific answer from our support team about your specific case and transaction, there are no generalities we can share here really
torpid haven
the former
valid heron
so you don't have a Stripe merchant account yourself and are not a developer building an integration with our API?
torpid haven
I do in my personal projects 😄 , but this particular question was not an API question yeah
valid heron
ok, well ultimately you want to contact support. We have partnership teams for issuers. Generally the way it works is a merchant complains about something like unusual/excessive declines or disputes and as part of our investigation we might suggest changes to their integration, or we investigate what we sent on the auth messages to the card networks, or we reach out to the issuer if we think it's needed. I don't think we're going to be able to help you the way you want but hard to say.