#zzking
cobalt geyser
ripe lynx
Hi there!
but I know SCA could be triggered in this case.
Correct.
Is it possible for the SCA to be exempted by setting the "moto" attribute
Are these actually MOTO transactions?
You can learn more about MOTO here: https://support.stripe.com/questions/mail-order-telephone-order-(moto)-transactions-when-to-categorize-transactions-as-moto
ripe badger
Hi, thanks for the reply. Actually I heard "moto" is kinda deprecated in some EU countries. But from the link that you gave it mentioned that "If your account is in the European Economic Area, payments made by manually entering card details in the Dashboard will be automatically marked as MOTO by Stripe. If you need to process phone and mail payments via the API, contact us to enable this feature on your Stripe account."
So I wonder if it's true that there is a way to make it always "MOTO" from Stripe's point of view ?
Keyed-in transactions, which are card transactions where you key in the card number, expiration date, and security code to a card machine, are often used when you do not have access to the physical card
I don't think we will have "card" machine
ripe lynx
Yes it's possible to use MOTO with the API. But to get access to it (and get more information about how it works exactly) you need to contact Stripe support directly: https://support.stripe.com/contact
ripe badger
Thanks ! May I confirm a couple of things if possible:
- is it true that when MOTO is used via Stripe API, then SCA requirement would be exempted even though the transaction itself might not be actually MOTO ?
- https://support.stripe.com/questions/mail-order-telephone-order-(moto)-transactions-when-to-categorize-transactions-as-moto mentioned about "If your account is in the European Economic Area .......", would the same rule also apply in the UK ? (NOT part of EEA or EU anymore)
ripe lynx
- You can only use MOTO if the transaction is actually MOTO.
- Don't know, you should ask Stripe support.
ripe badger
no problem, thanks ! May I ask if MOTO doesn't work for our use case, is it still possible to achieve our goal (i.e: store customers' card details and charge the card on their behalf even when SCA is required) ? OR it is impossible to do so and we have to let customers pay and do the SCA themselves ?
ripe lynx
Without MOTO, you can definitely save the customer's card and try to charge it off session. If the bank don't request 3DS it just works. If the bank request 3DS, then you will have to ask your user to come back to your website/app to go through the 3DS flow.
ripe badger
aha, I see, thanks . unfortunately in EU almost every transaction above 100 euro (or something like that) would require SCA.
cosmic lily
👋 taking over for my colleague. Let me catch up.
cosmic lily
aha, I see, thanks . unfortunately in EU almost every transaction above 100 e...
This is something that is really dependent on the discretion of the issuing bank which is something that Stripe has no control over
ripe badger
yeah I understand. We're building apps/website for our customers, and they'd like to store their client's card details so that they would charge their clients more easily 🙂 . I guess when SCA is required, their clients would just have to pay and do the SCA themselves
cosmic lily
when the SCA is required in off_session payments you'd have to notify/send an email to that customer asking them to visit a URL on your website where they need to perform the SCA by calling handleCardAction https://stripe.com/docs/js/payment_intents/handle_card_action
ripe badger
yup, I think so too. Thanks for all the help !
cosmic lily
let me know if you need any more help