#zzking

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elder walrusBOT
dull cradle
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Is this for an customer from India or is the customer country something else? I will need to look in to this more but my immediate thought is that mandates are only required for/only apply to IN customers as far as I am aware

reef igloo
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I heard similar story. But it is not for customer in India, it's for customer in EU/UK. We want to be able to store customer's credit card details first, and then charge them at later stage (the merchant-initiated-transaction ). Since SCA is required in EU/UK, according to https://stripe.com/ie/guides/strong-customer-authentication , it says To use merchant-initiated transactions, you need to authenticate the card either when it's being saved or on the first payment. Finally, you need to get an agreement from the customer (also referred to as a "mandate") in order to charge their card at a later point

Strong Customer Authentication

What internet businesses need to know about the European regulation

dull cradle
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Yep yep, so it sounds like you set up the card right, it is just that this doesn't create a Stripe "Mandate" object even if 3DS is referred to as a mandate in other contexts

reef igloo
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so.. do I still need to append a mandate object when creating the setupIntent for an 3DS required card ?

Funny thing is that when I test without appending the mandate , then I only received only one setup_intent.requires_action event with 3DS required card

dull cradle
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Can you send me the request ID from a time you appended this mandate ID? I am not familiar with this flow outside of IN customers. Is there a guide you are following that indicated it was required in some context? I may need to look further in to this

reef igloo
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Is it safe to send request ID here ? I mean I don't want to disclose our firm info. to other users

dull cradle
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Yep yep, request ID is safe to share. Can't be used to look anything up unless someone has your login credentials

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Or has access to logs in a support role like me

reef igloo
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and I can't find any guide which tells me to append a mandate object . The only reason why I'm doing is that is because of that Stripe doc that I attached above. TBH I've asked the similar question multiple times here. You and your collegues kind thought in the beginning that it's required only for India card, then changed the tone until I showed the stripe doc 🙂

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do you know where to find the request ID ? Is it OK to send the event ID here as well ?

dull cradle
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Looking at that doc and your other conversations here...

reef igloo
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and I didn't append the "mandate ID", I use the mandate_data hash

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Thanks for the doc. The request ID is : req_Jt5qYcOCM19Xzd

dull cradle
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From what I can see in that doc I think my colleague toby was right yesterday when saying you don't need to do this for card setup

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Stripe.js will automatically set up the required "mandate" info for you, the Mandate objects (and therefore the mandate_data hash) are currently only used for bank payment methods and India card payments.

reef igloo
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nice to know . JUst to be clear (also in the convo that I had with toby yesterday). Our system is a bit old, so we collect all the info. with Stripe.js on frontend (but we do NOT use the Payment Element), and send everything to the backend. From backend we create the setupIntent object with everything (paymentMethod, customer, etc). Does Stripe.js still setup the required "mandate" info for us in this case ?

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e.g: we use Stripe.js to create cardNumberElement , cardCvcElement , but we don't use the Payment Element from Stripe. We just have a checkbox let customer know that we are saving their card details and would only start creating setupIntent when customer tick the box

dull cradle
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The split card element should also be able to deal with 3DS/mandate info from here from what I remember. As long as your client side code is showing the modal and your intents are moving from requires_action to succeeded you should be in a good place here

reef igloo
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when you say modal, do you mean the 3DS modal ?

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also does requires_action always mean "3DS/SCA is required" ? I just want to eliminate the possibilities that it could happen because of something else too

dull cradle
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Yes I meant 3DS modal. I think requires_action can happen for other payment methods but will double check. For cards it is definitely always 3DS as far as I know

reef igloo
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great, thank you very much Pompey !