#ArjunB
versed solar
Can you share the erroring request, or payment intent ID?
Where are you encountering this error in your integration?
gritty berry
Basically it means we got a non-specific processing error from the card's issuer. So it isn't your integration's fault and as per the error the recommended course of action is for the user to try their payment again later
quasi adder
got it.. ty !
also another Qn :
we see a few of transactions , after they checkout ... failed due to insufficient funds?
how can we prevent that? is there a way to know if the person has enough balance before they bid an item?
gritty berry
That can be a tough problem to solve for auctions. I will look in to what your options may be and get back to you. Unfortunately it is not possible to check the balance for most payment methods as far as I am aware. We have beta functionality to do this with some bank payment methods but I don't think it is supported otherwise. https://stripe.com/docs/financial-connections/balances
One option I have heard of is to place a hold on the funds that the user has bid and release them once the hold for the next bid up is made. Unfortunately that can get tricky because some banks don't release the funds immediately, so if you have $10 in your account and bid $5, then someone else overtakes you at $6, you might not be able to bid $7 immediately because the original $4 has yet to be released https://stripe.com/docs/payments/place-a-hold-on-a-payment-method
So, asking my colleagues and will get back to you.
quasi adder
much appreciated!
gritty berry
@quasi adder After talking it over with my colleagues, it sounds like that is a good rundown of your options. So
- You can keep your current integration of saving the PM and charging at the end, and make policies for what to do when the top bidder can't pay (do they get a chance pay with a new PM? Do you go down the line of bidders and charge the runner up? etc.)
- You can place holds on payment methods, unfortunately that does have the drawbacks that I described but you may be able to communicate with your customers to make them more understandable.
- Switch to all ACH payments and use the financial connections beta that I linked to to check their balance before approving the bid.
Happy to answer questions on any of those options if you have them
quasi adder
ty, again.. so this the beta thingy https://stripe.com/docs/financial-connections/balances
faint hollyBOT
faint hollyBOT
lusty sequoia
@quasi adder Did you have any other questions, or did Pompey cover all of them?
quasi adder
well only Qn i had is
the beta thingy is it supported by banks or Credit cards as well ?
lusty sequoia
I believe it'd work with cards if that card was specifically provided through a financial connection (you wouldn't be able to just enter in a card number)
But since this is a beta I'd recommend checking with the folks at support (https://support.stripe.com/contact) to make sure (they'll also be the ones to enable the beta for you)
lusty sequoia
I don't know of any specific timeline (again, probably a better a question for support since we don't tend to talk about betas in this channel)