#Ji_net
mortal juniper
tepid berry
Do you have an example payment where something unexpected is happening?
sweet hull
yes, this payment: pi_3M327LDVTBweL1iF0mYhtN7w
I need to understand how that payment succeeded and disputed due to insufficient funds, if it was successful, stripe charge the customer immediately, no!
tepid berry
Where are you seeing a dispute related to that payment intent?
sweet hull
in Dashboard
tepid berry
Is there an id for that event you can share?
sweet hull
yes, evt_3M327LDVTBweL1iF0hld5H7j
tepid berry
Ah yes, I see it now, thanks
This is a normal flow for SEPA insufficient funds. Sepa pays the amount and succeeds the payment but it can later fail:
https://stripe.com/docs/payments/sepa-debit#disputed-payments
A dispute can also occur if the bank is unable to debit the customer’s account because of an issue (for example, the account is frozen or has insufficient funds), but has already provided the funds to make the charge successful. If this occurs, the bank reclaims the funds in the form of a dispute.
When a dispute is created, a charge.dispute.created webhook event is sent and Stripe deducts the dispute amount and dispute fee from your Stripe balance.
Which is what happened here
sweet hull
the problem is we did rely on invoice.payment_succeeded & invoice.payment_failed, so after dispute we didn't receive any, and the subscription remains active
sweet hull
ok but the event data we receive of the dispute event, doesn't provide the dispute reason so I can cancel the subscription
Is there any event that tells that the account has insufficient funds which I can rely on?
tepid berry
https://dashboard.stripe.com/events/evt_3M327LDVTBweL1iF0hld5H7j
This information is in the dispute event:
reason: "insufficient_funds",
sweet hull
Ok 👍, one more question, why stripe doesn't update the subscription as unpaid automatically if insufficient_funds?
tepid berry
because of the way sepa returns this as a dispute, you'd need to manage that, so I can share as feedback that you'd like to see this.
sweet hull
👍