geimsdin-3ds | Stripe Developers | Page 1

tacit wren Sep 1, 2022, 8:20 AM

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do you have more context on how exactly you present the 3D Secure window? That PaymentIntent is associated with an Invoice that you called the manual invoice.pay endpoint on(which doesn't support 3D Secure)

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I just tested that same card in my normal PaymentIntent integration and it authenticates and succeeds as expected

glad maple Sep 1, 2022, 8:22 AM

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Which endpoint is supported by 3Ds to collect the payment without waiting 1 hour?

tacit wren Sep 1, 2022, 8:24 AM

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calling https://stripe.com/docs/js/payment_intents/confirm_card_payment#stripe_confirm_card_payment-existing on the frontend for example using the PaymentIntent from the finalized invoice

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or after finalizing the invoice, redirecting the user to the hosted_invoice_url for a hosted page where the customer can pay

glad maple Sep 1, 2022, 8:28 AM

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hmmm... I give you more context

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I'm developing a plugin on Woocommerce that allows to buy online courses, As soon as the order is placed I finalize the invoice and trigger the charge on the card (as you got already). The operation should be "invisible" by the user then I handle everything server side in PHP.
Is it possible to do so with a 3Ds or I am forced to show something in frontend and ask for more interaction?

tacit wren Sep 1, 2022, 8:37 AM

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I mean 3DS is inherently a frontend concept (showing the customer their bank's authentication page in their browser while they're making a payment)

glad maple Sep 1, 2022, 8:37 AM

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The modal is already loading correctly in the Elements Payment method

tacit wren Sep 1, 2022, 8:37 AM

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if you attempt a payment and it requires 3D Secure that has to be handled on the frontend. That's why our default integrations are all about confirming PaymentIntents in the frontend and not backend scripts like in legacy integrations

tacit wren Sep 1, 2022, 8:38 AM

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glad maple The modal is already loading correctly in the Elements Payment method

are you doing something like using a SetupIntent to save the card with the PaymentElement and then trying to create your Invoice?

glad maple Sep 1, 2022, 8:38 AM

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I am creating a Scheduled subscription that creates a setup intent

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After I click complete the payment fails

tacit wren Sep 1, 2022, 8:45 AM

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glad maple After I click complete the payment fails

what's the Payment/SetupIntent ID associated with that popup?

glad maple Sep 1, 2022, 8:45 AM

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The one written on first message or if you want another one: pi_3Ld8zQLmxBucQd151qBNtMl8

tacit wren Sep 1, 2022, 8:45 AM

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yeah but that PaymentIntent 100% did not present 3D Secure that way.

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are you doing something like using a SetupIntent to save the card with the PaymentElement and then trying to create your Invoice?
I'm right here, correct?

glad maple Sep 1, 2022, 8:46 AM

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"I am creating a Scheduled subscription that creates a setup intent"

tacit wren Sep 1, 2022, 8:46 AM

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you directly create SetupIntents : https://dashboard.stripe.com/test/logs/req_az3RpmbzLm3car

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tacit wren Sep 1, 2022, 8:46 AM

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glad maple "I am creating a Scheduled subscription that creates a setup intent"

there's no such thing

glad maple Sep 1, 2022, 8:46 AM

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wait

tacit wren Sep 1, 2022, 8:47 AM

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so am I correct in saying that you create a SetupIntent, confirm that in the frontend, and your screenshot is from confirming that SetupIntent? and then later you try to create and pay an invoice and that's what's failing.

glad maple Sep 1, 2022, 8:47 AM

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You are right, sorry, I create the setup intent and I attach a payment element to it

tacit wren Sep 1, 2022, 8:47 AM

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yep

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so that's completely wrong and will never work

glad maple Sep 1, 2022, 8:48 AM

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It works for normal cards but not for 3Ds 😦

tacit wren Sep 1, 2022, 8:48 AM

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the correct way to build this (for an immediate subscription or invoice creation) is

create Invoice
finalize Invoice
send the invoice.payment_intent.client_secret to the frontend
use that PaymentIntent with the PaymentElement
that completes the payment , does 3DS and should save the card to the customer too

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now in your case you want to schedule the payment for later which I suppose complicates it

glad maple Sep 1, 2022, 8:49 AM

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Seems too much not user friendly and leading to lose many sales

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I should create the order (then the invoice and finalize it) then on the confirm order page ask to pay?

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"to pay" = to insert payment data

tacit wren Sep 1, 2022, 8:52 AM

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yes that's how the Stripe integration works

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you create the "intent to pay" on the backend and then confirm the payment on the frontend, and use webhooks to activate/fulfill the order

glad maple Sep 1, 2022, 8:54 AM

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Another way is to create the invoice everytime the user opens the checkout and then create there the payment intent as you said. That will lead to lot of trash data on Stripe but compress everything in one step for me

tacit wren Sep 1, 2022, 8:54 AM

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can you explain why there is a subscription schedule in your flow? I'm not following that part.

tacit wren Sep 1, 2022, 8:54 AM

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glad maple Another way is to create the invoice everytime the user opens the checkout and t...

I mean that is the default integration we recommend yes. The trash doesn't matter

glad maple Sep 1, 2022, 8:55 AM

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tacit wren can you explain why there is a subscription schedule in your flow? I'm not follo...

Client requirement: they want to allow the users to split the payment but they also don't want to use the recurring billing feature offered by Stripe... I don't understand why

glad maple Sep 1, 2022, 8:55 AM

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tacit wren I mean that is the default integration we recommend yes. The trash doesn't matte...

Ok

tacit wren Sep 1, 2022, 9:01 AM

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glad maple Client requirement: they want to allow the users to split the payment but they a...

I mean using Schedules is using our recurring billing feature I would think, it's our Subscription APIs

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you probably want to instead set up your own cron jobs or something to charge the saved payment method directly https://stripe.com/docs/payments/save-during-payment?platform=web#charge-saved-payment-method

glad maple Sep 1, 2022, 9:05 AM

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Nope, I use the subscription schedule, would be crazy not to use it as Stripe team code is already written and working.
I just handle events with webhook, today I thought the integration was already ended when I tried 3Ds and see that doesn't complete the payment.
Btw I followed your colleague suggestions on how to make this happen...
I will modify my frontend to comply with your suggestions and I hope it works this time.

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For example I have a cart of 300 euro and I split the payment in 3 times (once per month) so it is:
1 - 100 euro now
2 - 100 euro in 1 month
3 - 100 euro in 2 months
Then the subscription will be deleted

tacit wren Sep 1, 2022, 9:12 AM

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fair, but is your client aware they'd be charged for using Billing? If that's their concern

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those are recurring invoices so they use our pricing for that, if that was the concern

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anyway I would say if you're going to use schedules this way

just let the invoice finalise and pay normally in an hour, don't try and force it
if you do want to force it, call https://stripe.com/docs/api/payment_intents/confirm#confirm_payment_intent-off_session )with true) instead of the invoice.pay endpoint or confirming on the frontend. That has less chance of requiring 3DS if the card was set up previously.
either way, any recurring or subscription payment can require 3DS and you need to be able to catch that and handle on the frontend

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I have to run but my colleagues can jump in

glad maple Sep 1, 2022, 10:17 AM

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I think something will not work with your solution

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Why I cannot use subscription with setupintent?

dire wigeon Sep 1, 2022, 10:19 AM

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Hi! I'm taking over this thread.

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Can you try to summarize your question?

glad maple Sep 1, 2022, 10:20 AM

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Hi Soma, I don't understand why I can charge a standard credit card with a setup intent in a subscription schedule but I cannot charge a 3Ds card

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Standard card complete the payment, 3Ds seems like failing in test mode

dire wigeon Sep 1, 2022, 10:20 AM

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Which test card are you using?

glad maple Sep 1, 2022, 10:21 AM

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"4000000000003238" this for example

dire wigeon Sep 1, 2022, 10:22 AM

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This card will trigger 3DS on ALL transactions. So when a subscription renews, it will ask for 3DS, which will fail. You probably want to use 4000002500003155 instead

This card requires authentication for every payment unless you set it up for future payments. After you set it up, it no longer requires authentication.
So it will requires 3DS only for the first payment, when the customer can go though the 3DS flow.

glad maple Sep 1, 2022, 10:22 AM

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How should I set it up for future payments? Is not the scheduled subscription already doing that?

glad maple Sep 1, 2022, 10:23 AM

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glad maple After I click complete the payment fails

As said before to your colleague everything works good, I see the modal to simulate the 3Ds and when I click on COMPLETE seems ok on frontend

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My webhook will then react to the received events and finalize the invoice and try to pay it

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But the payment fails (while with a standard card it works)

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This is a failed payment id: pi_3Ld8zQLmxBucQd151qBNtMl8

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This is a succesful one: pi_3Ld8QnLmxBucQd150Ry1mTXL

dire wigeon Sep 1, 2022, 10:27 AM

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Can you try with this test card: 4000002500003155

glad maple Sep 1, 2022, 10:27 AM

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I try now

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Worked great

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pi_3LdAdDLmxBucQd150uIbOp8v

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Then how to handle the failed payments with cards like "OTP"?

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Also this: "4000000000003063" doesn't work

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Also this fails: "4000000000003253"

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Is it safe to say that if I receive the event "payment_intent.requires_action" followed by "payment_intent.payment_failed" I can handle it sending an email to the user asking to complete the payment in Stripe?

What will happen then in the future payments? Will they require again user action or they will be automatic?

dire wigeon Sep 1, 2022, 10:37 AM

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You are trying to pay for an invoice off session using a payment method that require 3DS. It's expected that it will fail, so that's something that you'll need to handle in your flow.
But overall I would recommend doing what karllekko suggested:

anyway I would say if you're going to use schedules this way

just let the invoice finalise and pay normally in an hour, don't try and force it

if you do want to force it, call https://stripe.com/docs/api/payment_intents/confirm#confirm_payment_intent-off_session )with true) instead of the invoice.pay endpoint or confirming on the frontend. That has less chance of requiring 3DS if the card was set up previously.

either way, any recurring or subscription payment can require 3DS and you need to be able to catch that and handle on the frontend

glad maple Sep 1, 2022, 10:43 AM

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I should contact the endpoint:

$stripe = new \Stripe\StripeClient( 'sk_test_ysGRD8v35CKKJSGqZt1BQWfH' ); $stripe->paymentIntents->confirm( 'pi_1EUq4543klKuxW9fVKimzjFV', ['payment_method' => 'pm_card_visa'] );

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And specify the payment method?

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Or just specifying that is an offline payment?

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After I set the off_session to true how can I trigger the payment?

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While creating the Setupintent I specify that usage is "off_session" already

high merlin Sep 1, 2022, 10:54 AM

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👋 taking over for my colleague. Let me catch up.

tacit wren Sep 1, 2022, 11:07 AM

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glad maple After I set the off_session to true how can I trigger the payment?

by passing confirm:true

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  'pi_1EUq4543klKuxW9fVKimzjFV',
  ['payment_method' => 'pm_xxx',
    'off_session'=>true
]
);
``` . Along those lines.

glad maple Sep 1, 2022, 11:12 AM

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That is enough to trigger the charge

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?

tacit wren Sep 1, 2022, 11:13 AM

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yes, 'confirming' a PaymentIntent is what attempts to charge any attached payment method

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actually my example is wrong,(edited) you don't need confirm:true, that's only for creating a PI

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if you're calling ->confirm, that is explicitly attempting a charge.

glad maple Sep 1, 2022, 11:13 AM

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Ok thanks a lot, I'm afraid I will bother support again later 🙂

tacit wren Sep 1, 2022, 11:13 AM

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sure, just try it really in test mode and it makes sense

glad maple Sep 1, 2022, 11:15 AM

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Yes sure, I'm 1 month in test mode already

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🙂

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Have a nice day

#geimsdin-3ds