#Kenneth
nimble pulsar
does creating a SetupIntent alone with usage set to off_session would be sufficient for MIT exemption?
Stripe mandate objects are not a 1:1 thing with what regulators call mandates. SCA is actually a great example, it does satisfy the regulatory mandate requirement but does not generate a Stripe Mandate object. Those mostly exist for bank payment methods and Indian card payments
Looking in to the MIT exemption question
outer gulch
Any luck? In regards to https://support.stripe.com/questions/merchant-initiated-transactions-(mits)-when-to-categorize-a-transaction-as-mit, the "mandate" referenced in the doc isn't the mandate object right?
nimble pulsar
Apologies for the delay. Yes saving your card for later use will not create a Mandate outside of India. You mentioned India before so I assume you are looking to transact there as well? If so I can look in to what that looks like in that case as well
outer gulch
No worries! Just wanted to make sure MIT exemptions can be made without setting up the actual mandate object (for UK card payments). My company will not be transacting in India.
static nebulaBOT
nimble pulsar
Gotcha, yes. From an API perspective, you just need to save the card with a SetupIntent or the appropriate setup_future_usage: off_session value on a PaymentIntent. After the intent is successfully confirmed that will let you charge the user for off session payments
outer gulch
Since MIT exemptions are optimizations and it's possible for the bank to still require authentication on every transaction. From the API perspective, what would the recovery workflow would look like?
i.e. SetupIntent is created/authenticated, payment method id returned is attached to the customer. When we make a new PaymentIntent (the recurring payment) using the payment method id returned from SetupIntent, and the PaymentIntent fails due to bank rejection.
indigo geyser
Hi there 👋 taking over, as my colleague needs to step away
Give me a few minutes to get caught up.
outer gulch
oh nvm, found it in https://stripe.com/docs/payments/save-and-reuse?platform=web#charge-saved-payment-method
essentially
stripe.confirmCardPayment(intent.client_secret, {
payment_method: intent.last_payment_error.payment_method.id
})
indigo geyser
The recovery workflow would be to listen for the payment_intent.requires_action event (https://stripe.com/docs/api/events/types#event_types-payment_intent.requires_action) and then bring the customer back into the authentication workflow via whatever method you prefer (email, text, etc.)