Laurent

[meager silo]

hi! what is a "title" exactly in this context? What would an example value of it look like?

[dreamy trench]

Yes I put an example in the screenshot

[meager silo]

I see

[dreamy trench]

It would be "Payment for the invoice XYZ"

[meager silo]

why do you need that?

[dreamy trench]

Or whatever the customer wants actually

(I'm not sure title is theright word)

But basically the description the customer fills in when creating the transfer

[meager silo]

like we handle the reconciliation, you don't need to do it https://stripe.com/docs/invoicing/bank-transfer#automatic-transfer-reconciliation

[dreamy trench]

I don't use Stripe Invoicing, we use our own invoicing system

[meager silo]

what API are you using to process the SEPA Credit(?) payments exactly? do you have an example PaymentIntent ID pi_xxx?

[dreamy trench]

Yes give me a sec

For instance pi_3MNEctL7tknI1M4e09Ru7Y3l

Is that what you were looking for ?

[meager silo]

yep

I'll have a look for what I can find but I don't think we expose this information in the API; again, I don't understand the use case for it. This is all handled for you, read https://stripe.com/docs/payments/customer-balance/reconciliation?country=eu to see how we just reconcile the incoming payment to the PaymentIntent ourselves by looking at the reference and amounts etc. What would knowing the transfer reference do for you?

[dreamy trench]

Since I'm not using the Stripe invoicing system I still need a way to reconcile the payments with our invoices

Our customer are not tech savvy and are not used to Stripe invoices, they are used to doing wired transfers

[meager silo]

Stripe Invoices aren't involved here

[meager silo]

you do that by listening to webhook events on the PaymentIntent

the customer wires funds. We reconcile to the PaymentIntent. You get webhook events that the PaymentIntent is funded : https://stripe.com/docs/payments/bank-transfers/accept-a-payment?platform=api#web-confirm-success . Based on that, you can mark the invoice in your system as paid

you don't have to deal with anything as low level as the SEPA transfers themselves, you just use the PaymentIntent API/webhooks

[dreamy trench]

Hmmm

Lemme just have a look at the doc and see if it fits what we need

Is it this flow you're talking about ?

[meager silo]

you're already doing these payments in livemode so I'd assume you knew all this

yes, that flow

are you're just testing in livemode for some reason I suppose

[dreamy trench]

They're doing wired transfer with the bank transfer capability but I don't create the payment intent before the trasnfers

Only after to get the money from their account to ours

[meager silo]

then that's wrong

I'd suggest reading that integration guide!

[dreamy trench]

I see

[meager silo]

the way it works is you create the PaymentIntent first, that returns information like the IBAN the customer needs to send funds to and the instructions, which you show to them

[dreamy trench]

Hmm

However, our customers cannot change IBAN for each payment, is the IBAN showing specific to the customer or specific to the payment intent ?e

Also, it happens that they don't agree to the full amount so they only transfer part of the amount

[meager silo]

https://stripe.com/docs/payments/bank-transfers/accept-a-payment?platform=api#web-complete-bank-transfer

Stripe provides a unique set of bank transfer details to each customer

[meager silo]

the docs describe what happens in cases of underpayment, so I think I'd suggest carefully reading those docs and trying this payment method out in test mode! you might have skipped ahead a little too far here

[dreamy trench]

Alright I'll go through it but from what I remember this is what we agreed upon with the solutions engineer =/

Just so I know is there another way to retrieve the bank transfer reference ?

[meager silo]

I can't see any way in our API that you would get that information

[meager silo]

curious why you ask here in an anonymous chat and not to the person who's working with your account and helping you with the integration 😅

[dreamy trench]

Since you're asking for it and using it to reconcile, you must have the information in your system I think no ?
https://stripe.com/docs/api/payment_intents/object#payment_intent_object-next_action-display_bank_transfer_instructions-reference

[meager silo]

I'm sure we do yes

[dreamy trench]

Hmm the account executive recommended to go through here but I can also ask him nw ^^"

[meager silo]

it's not exposed in the API since it's not needed at the merchant level(like I said, we do the reconcilation and you don't care about this; you just care about the PaymentIntent succeeding), if you have a use case for it you could raise a feature request

[dreamy trench]

I thought it be the same or even that the chat would be more reactive

[meager silo]

yeah Sales people should never be sending you here, we do try to tell them that

[dreamy trench]

In which case do we need to reach out to you here ? 🤔

[meager silo]

I have to run but my colleagues can help with any specific technical questions you have!

[dreamy trench]

Do you know if it's planned ? I think it would be helpful in our case yes

[dreamy trench]

Oh OK I misread, I thought you were the one doing the feature request

Do you know where I could request that ?

[mortal tide]

HI there 👋 stepping in as my teammate needed to step away. Our Support team can collect feature request suggestions:
https://support.stripe.com/?contact=true

[dreamy trench]

Alright thank you for your answers