#jimmy - question
plucky hill
Hi 🤝
I have a control panel where I give my customers a way to add a new card and assign it to their subscription. I using CardCvcElement, CardExpiryElement, CardNumberElement for this test, because I have my own UI.
So, using your test cards as "Insufficient Funds Decline" (4000000000009995)
I am creating the token with stripe.js and I realized that when creating the token it does not validate or return an error that the card does not have enough funds
This my handleSubmit
dusty pewter
Yeah the Tokens API is very old and does not support those functions
It merely tokenizes the data to avoid sending raw PANs in your request
plucky hill
Is there a way to add new cards using card elements with validation?
I have my own UI for this case use
dusty pewter
Not for insufficient funds
that is not something the issuing bank will share unless you attempt payment
That's how it works in the real world too
plucky hill
I undertand it
What solution could I do to add a new card with validation?
What do you recommend me?
Is there a way to add a payment intent but only to add the card without paying anything about it?
dusty pewter
A) You can validate using a Setup Intent but this will still not cover insufficient balances.
B) If you are going to charge a customer you can use a separate authorization and capture process to first validate they have the funds, then attempt to collect them
plucky hill
That would apply to cards like "Generic decline", "Lost card decline" and the others that have a test?
dusty pewter
I don't think so but you should try with those testing cards to validate. The issue is, the banks don't necessarily send us that information unless we attempt to collect funds.
The Setup Intent just pings the bank to say "this credit card exists, right?" But not, "can this card cover $1K purchases"
plucky hill
The Setup Intent, could you help me validate if the card has expired? or if your CVC is incorrect?
dusty pewter
Yeah, that would be covered
Try working through this guide: https://stripe.com/docs/payments/save-and-reuse
