dabears-avs-paymentelement | Stripe Developers | Page 1

hard slate Sep 28, 2022, 12:22 AM

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you have to collect this yourself. We only collect the full billing address where required for a given payment method, which isn't the case for card details

cunning crater Sep 28, 2022, 12:22 AM

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do you think it would help with card verification? less declines possibly?

hard slate Sep 28, 2022, 12:24 AM

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unlikely no

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collecting postal code helps, but we already do that

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collecting the full address rarely helps, most banks never do anything with it anyways

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were you the person asking about this this morning already?

cunning crater Sep 28, 2022, 12:25 AM

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i didnt ask about billing addresses, but i mentioned lots of declines. im just kind of powerless to do anything until my stripe partner moves me to a domestic stripe platforrm

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so i am looking for any solution that i can do in the meantime, im getting kind of desperate, thank you for your help

hard slate Sep 28, 2022, 12:26 AM

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yeah I don't really know what you mean by "my stripe partner" and such

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but really collecting more details won't help

cunning crater Sep 28, 2022, 12:28 AM

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My company is partnered with a verified Stripe partner which is based in another country. We get lots of payment declines and I think it is because the payment is technically international. So I don't have my own Stripe account. We just use their Stripe platform on our website. All we do is retrieve the client secret from the partner and feed it into the payment element.

hard slate Sep 28, 2022, 12:28 AM

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Do you have an example PaymentIntent id I can look at?

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pi_12345

cunning crater Sep 28, 2022, 12:28 AM

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a real one that was declined?

hard slate Sep 28, 2022, 12:29 AM

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any, I just want to look at what you're talking about. I work for Stripe so I can check an id and see your integration

cunning crater Sep 28, 2022, 12:29 AM

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our partner does not share those with us. i only have my publishable key

hard slate Sep 28, 2022, 12:29 AM

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that works too, just DM me

cunning crater Sep 28, 2022, 12:32 AM

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i dm'd you

hard slate Sep 28, 2022, 12:35 AM

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Screen_Shot_2022-09-27_at_5.35.38_PM.png

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you can look this up I think which proves I work for Stripe

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overall all I need is a PI id (pi_123) and you said you got a client_secret

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or your pub key would be fine too, not really sensitive, just better in DM

cunning crater Sep 28, 2022, 12:37 AM

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i dm'd you

hard slate Sep 28, 2022, 12:38 AM

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I know but you didn't give me any of what I need (and I try to never talk in private beyond getting the info I need)

cunning crater Sep 28, 2022, 12:38 AM

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i sent it in the dm

hard slate Sep 28, 2022, 12:39 AM

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thanks

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so what's the name of your "partner"?

cunning crater Sep 28, 2022, 12:39 AM

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trustap

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https://stripe.com/partners/directory/trustap

hard slate Sep 28, 2022, 12:40 AM

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ah that's the partner, not your real Stripe account? The API key you shared is theirs, not yours

cunning crater Sep 28, 2022, 12:40 AM

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right, the api key is the one they supplied me

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i dont have anything else, i can send you their api docs. All I have is a pk and i can get client secret's for the payment element. But I do not use my own Stripe account for my website

hard slate Sep 28, 2022, 12:42 AM

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yeah okay, I think they are not using the on_behalf_of feature https://stripe.com/docs/connect/destination-charges#settlement-merchant

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so all charges seem to come from their country

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So you really do need to work with them to improve their integration and meet your needs, or change partners

cunning crater Sep 28, 2022, 12:43 AM

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okay they said they are going to try to move us to an american stripe account, but they said that could take a couple of weeks, but i am not sure why it would take that long. how hard would it be for them to implement the on_behalf_of

hard slate Sep 28, 2022, 12:44 AM

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quite hard based on their entire flow of funds. But still you should share that doc with them. If they used this, they would never even need a US-based account and it would "just work"

cunning crater Sep 28, 2022, 12:47 AM

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okay, to make sure i fully understand the situation...so basically they have a single stripe account and all of my users have registered as connected accounts on their platform. and they are creating the charges themselves and not on behalf of the connected accounts? so the charges are coming from Ireland and not the US so my users' banks think their card is being used in Ireland versus being used in the US?

so to change this they would essentially need to update each and every step of the process to use this feature?

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and you are 100% sure they are not using this feature? or is it a hypothesis

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we have a meeting with them tomorrow so i will definitely bring this up

hard slate Sep 28, 2022, 12:48 AM

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that is my understanding. I am not 100% sure as I only looked at a few transactions and you're not the owner of that account so I don't want to get too much into it

cunning crater Sep 28, 2022, 12:48 AM

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right

hard slate Sep 28, 2022, 12:49 AM

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I am ~95% sure they don't use it though

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They use https://stripe.com/docs/connect/charges-transfers

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And they should read https://stripe.com/docs/connect/charges-transfers#on-behalf-of specifically which would solve a lot of your woes (but be complex for them because of currency conversions and such)

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really switching to Destination charges would be a lot cleaner/work but I don't know their business

cunning crater Sep 28, 2022, 12:54 AM

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okay. thank you so much it clears a lot of stuff up.

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i know thats not a dev question so if you have no info i totally understand

hard slate Sep 28, 2022, 12:56 AM

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I'm a developer, I don't know much about that. But we do supper escrow businesses as far as I know. The easiest is mostly to ask our support team and discuss your business model: https://support.stripe.com/contact

cunning crater Sep 28, 2022, 12:56 AM

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ok thank you! that is all i needed, you have been extremely helpful

#dabears-avs-paymentelement