abelqi | Stripe Developers | Page 1

idle stoneBOT Dec 7, 2022, 2:26 AM

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deep yarrow Dec 7, 2022, 2:28 AM

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Bank issuer could still request for SCA during the payment, i.e. during charge process. However, Charges API doesn't support SCA during payment.

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I'd recommend migrating to PaymentIntent to support SCA during payment

harsh mesa Dec 7, 2022, 2:29 AM

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You mean even the SCA has been verified during setupIntent, the charge call will still fail?

deep yarrow Dec 7, 2022, 2:31 AM

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Yes, it can fail if the bank issuer requests for SCA during charges. SetupIntent and Charges are two independent flows

harsh mesa Dec 7, 2022, 2:33 AM

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But if I use setupIntent first with SCA passed, will paymentIntent fail if I make a payment later?

deep yarrow Dec 7, 2022, 2:35 AM

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It's possible. Payment failures can be due to many reasons later such as Issuer may request for SCA again or customer doesn't have sufficient funds on the card

harsh mesa Dec 7, 2022, 2:35 AM

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Right. But normally it should not fail due to SCA. right?

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Most of the cases the paymentIntent api should succeed?

deep yarrow Dec 7, 2022, 2:39 AM

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Yes! PaymentIntent supports SCA. Payment will fail due to other reasons such as failed authentication or other declined reasons by the issuer

harsh mesa Dec 7, 2022, 2:49 AM

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Thanks for your answers!.

I just tried to use setupIntent to save a card listed in https://stripe.com/docs/payments/3d-secure#three-ds-cards with the customer and use paymentIntents.create in another server call. But the paymentIntents.create failed due to require authentication.

Will I always get a failure like this when the card requires a SCA?

Can I use a saved SCA card for later payment?

deep yarrow Dec 7, 2022, 3:00 AM

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When to do SCA depends on the issuer. SetupIntent and Payment/Charges are two independent flow. Even though SetupIntent has completed SCA, issuer may still request SCA during payment later. In general, we recommend to support SCA with PaymentIntent for payment.

harsh mesa Dec 7, 2022, 3:19 AM

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It makes sense, In our business, we need a subscription like mechanism which means we have to charge the customer off_session later.

Do you have a better solution for us (Not stripe subscription)?

deep yarrow Dec 7, 2022, 3:25 AM

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I see! When off_session is set to true, the issuer will be informed that the customer is absent from performing SCA. The likelihood of SCA is lower and it will consider the SCA from SetupIntent. I wasn't aware that your integration is with off session.

However, it's not 100% that the issuer won't request SCA even if off_session is set to true. In any event if issuer still requires SCA, PaymentIntent will be able to support it.

harsh mesa Dec 7, 2022, 3:29 AM

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Thanks very much.

All your answers are really helpful

deep yarrow Dec 7, 2022, 3:32 AM

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No problem! Happy to help 😄

#abelqi