jasuno-setupintent-mandate | Stripe Developers | Page 1

magic wolfBOT May 19, 2023, 4:20 PM

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rustic charm May 19, 2023, 4:21 PM

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jasuno-setupintent-mandate

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Hey @balmy crown! Can you give me a better/clearer summary of your exact question? What are you looking for, which case are you looking for a Mandate? Where did you look, what's your exact code? Do you have a concrete example SetupIntent/SetupAttempt id?

balmy crown May 19, 2023, 4:28 PM

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Here is a summary of the last chat i had:

I encountered an error while trying to confirm a payment method, receiving the message "A mandate is required. Please either provide the id of an existing mandate on confirmation or provide payment_method_options[acss_debit][mandate_options]." After adding a mandate and sharing the corresponding request IDs, Stripe Support joined the conversation to assist. They explained that the error occurred because the payment method already had a mandate and suggested checking the Stripe dashboard to find the existing mandate ID. I asked about fetching the mandate ID through the Stripe API, but Stripe Support clarified that it would have needed to be stored during creation and provided information on retrieving the mandate using its ID. Then I asked about the return of mandates from the "confirmAcssDebitSetup" operation, and Stripe Support clarified that the mandate details could be accessed through the "setupIntent" object.

rustic charm May 19, 2023, 4:34 PM

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Okay so the real information here is: You are using ACSS Debit, you collect payment method details via a SetupIntent before and now want to charge that PaymentMethod?
Can you share an exact SetupIntent id for me to look at?

balmy crown May 19, 2023, 4:36 PM

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Here is the requestid: req_IFOWIm2sZ2SoJX
Here is the intentId: seti_1N9VuwAq6ReFUKV894BKuJQt

rustic charm May 19, 2023, 4:39 PM

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Okay so that SetupIntent has a Mandate id in the mandate property

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Like just call Retrieve SetupIntent and you'll see the Mandate right there

balmy crown May 19, 2023, 4:41 PM

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So the mandate is not set until after the setup is completed?

rustic charm May 19, 2023, 4:43 PM

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Correct! The Mandate is signed as part of the SetupIntent. And you need the Mandate to be properly created/accepted to use it

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https://stripe.com/docs/payments/acss-debit covers a lot of this

balmy crown May 19, 2023, 5:09 PM

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One more thing

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When making the payment i provide a mandate but getting an error
req_5KTYWfPsZ8XCRE

rustic charm May 19, 2023, 5:13 PM

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You can't pass a Mandate id if you already set mandate options on the PaymentIntent

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I'm sorry, I'm really struggling to follow what you're trying to do here

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Are you using Subscriptions? What is your overall integration in 2 sentences

balmy crown May 19, 2023, 5:16 PM

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Yes we are using subscriptions, I want to pay an invoice that was generated by a subscription using acss_debit

rustic charm May 19, 2023, 5:19 PM

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Okay so why did you do your own SetupIntent? Usually you start a Subscription and then you get the Invoice paid via ACSS Debit, you shouldn't be creating your own SetupIntent here

balmy crown May 19, 2023, 5:24 PM

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Because a user should be able to setup different payment methods (ACSS Debit or credit card) even if there is no subscription specially since our users (tenants) can pay into multiple subscriptions at a time. Also the way that our platform is set up is that you came pay. invoice by invoice or have a payment method setup as default

snow spruce May 19, 2023, 5:28 PM

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👋 Hopping in here to take a look - give me a couple minutes to catch up

balmy crown May 19, 2023, 5:30 PM

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ok thanks

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Also thanks @rustic charm for all your help

snow spruce May 19, 2023, 5:39 PM

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I think the issue is with how you created your SetupIntent - with ACSS Debit paymentmethods that you intend to use for Invoices/Subscriptions you need to pass in payment_method_options.acss_debit.mandate_options.default_for so that we know to use that mandate by default for future billing payments

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https://stripe.com/docs/billing/subscriptions/acss-debit#save-payment-method-for-future-subscriptions

balmy crown May 19, 2023, 5:43 PM

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Ok what if i need to use that same acss_debit for other subscriptions

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I assume that should be fine

snow spruce May 19, 2023, 5:44 PM

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Yup that should be fine

balmy crown May 19, 2023, 5:45 PM

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So I should just have to add that default_for property

snow spruce May 19, 2023, 5:48 PM

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correct - that's something you'd want to set specifically during SetupIntent confirmation

balmy crown May 19, 2023, 5:48 PM

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I had one more question but its unrelated with any of this should i start a new thread?

snow spruce May 19, 2023, 5:49 PM

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no you can ask here

balmy crown May 19, 2023, 5:52 PM

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When have a Connect account get setup with the account type express link is there a way to force the ID verification, if seems like the process now is divided in 2 when we first ask for banking info and then for ID verification

snow spruce May 19, 2023, 5:59 PM

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It sounds like https://stripe.com/docs/connect/additional-verifications is what you want, right?

balmy crown May 19, 2023, 6:00 PM

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I believe that mandatory to be able to process payouts

snow spruce May 19, 2023, 6:03 PM

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Yeah let me clarify - I think currently there's no way to "force" ID verification up front without first asking for banking info

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But we do have something in beta (the link I sent you) that seems to match what you're looking for that you'd need to write in and ask if it could be enabled for your account

balmy crown May 19, 2023, 6:05 PM

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Cool let me check that out now

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When should i expect the email?

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Dam im still having trouble with this mandate thing, check out: req_R2lfu6rcsGhOCu and req_ILNi5wWCLDJlG7

snow spruce May 19, 2023, 6:11 PM

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I'm not sure when you'd expect a response, but let me look at those requests

balmy crown May 19, 2023, 6:18 PM

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Also here is the intent that failed:
req_j69VurBeRL32zw and here is what i canged it to: req_udTsrMavfYQcHF

snow spruce May 19, 2023, 6:32 PM

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Sorry for the wait - I think the issue here is that by confirming client-side stripe.js passed in new mandate_options that overwrote the default_for that you set

balmy crown May 19, 2023, 6:33 PM

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confirming the setupIntent?

snow spruce May 19, 2023, 6:33 PM

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Can you take that PaymentMethod that was created and create a SetupIntent exactly like how we do it in the sample here: https://stripe.com/docs/billing/subscriptions/acss-debit#save-payment-method-for-future-subscriptions

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(basically you're going to take the SetupIntent that you just created and confirm server-side with a new SetupIntent)

balmy crown May 19, 2023, 6:43 PM

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Sorry i don't fully get that, so i have my setup intent that get created when they open the setup form

{
  "payment_method_types": {
    "0": "acss_debit",
    "1": "card"
  },
  "payment_method_options": {
    "acss_debit": {
      "mandate_options": {
        "default_for": {
          "0": "subscription",
          "1": "invoice"
        }
      },
      "currency": "cad"
    }
  },
  "customer": "cus_NvKK22NLpaFWFn"
}

that gets sent to the client and is used in confirmAcssDebitSetup which triggers the bank info modal

Then on the server side i do this

const { paymentMethodId, setupIntentId } = data;
    const userId = context.auth?.uid;

    const setupIntent = await stripe.setupIntents.retrieve(setupIntentId);

and i save that mandate from the setupintent i retrieved to my own data base

magic wolfBOT May 19, 2023, 6:47 PM

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snow spruce May 19, 2023, 6:54 PM

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On the server side you should create a NEW Setup Intent exactly like the code sample I gave you

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The issue is that it looks like you can only set default_for when confirming server-side

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and so you need to create and confirm a new setup intent that sets those mandate options

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your current flow is still creating mandates that can't be used with invoices and subscriptions

balmy crown May 19, 2023, 7:05 PM

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I think what im not getting is 2 things:
1.- The first setupIntent that was created on the server side then sent to the client to use the client secret to run stripe.js to be able to create the payment method, do we need any information from that one?
2.- The NEW setup intent what needs to be done with that one since its not being used,

this is assuming you are telling me to create 2 setup intents to create 1 acss_debit payment method

snow spruce May 19, 2023, 7:12 PM

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Yeah the first SetupIntent is creating the PaymentMethod and that's all you need from it

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The second SetupIntent is what's actually creating the mandate that will be the default for you billing transactions

balmy crown May 19, 2023, 7:19 PM

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wait

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So lets say i have 3 bank accounts, do i need 3 mandates?

snow spruce May 19, 2023, 7:23 PM

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Yes, you need a mandate for each PaymentMethod that you set up

balmy crown May 19, 2023, 7:24 PM

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Ok i think thats where im confused

snow spruce May 19, 2023, 7:27 PM

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Yeah mandates are tied to a PaymentMethod, they aren't tied to a Customer - so for each PaymentMethod you setup you'll at LEAST need a mandate for each

balmy crown May 19, 2023, 7:30 PM

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because one intent is to create the payment method, and the other is for the mandate but what links these 2, the sample code you sent me is:

const setupIntent = await stripe.setupIntents.create({
  payment_method_types: ['acss_debit'],
  customer: '{{CUSTOMER_ID}}',
  payment_method_options: {
    acss_debit: {
      currency: 'cad',
      mandate_options: {
        default_for: ['invoice', 'subscription'],
      },
    },
  },
});

Which is the same structure as the intent i set up here: req_udTsrMavfYQcHF (this is the one i send to the client)

If i create a second intent the intent will never be completed since its not being used it will just be created, and the second intent has no association with the first setup intent

snow spruce May 19, 2023, 7:31 PM

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AH! I see what you're saying now - give me a minute

balmy crown May 19, 2023, 7:39 PM

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Yeah sorry i've take so much of you alls time

snow spruce May 19, 2023, 7:40 PM

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no worries at all - it's a really complicated flow

balmy crown May 19, 2023, 7:41 PM

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Yeah i tried for a while before coming here i really appreciate the help

snow spruce May 19, 2023, 7:44 PM

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Okay try this for me - update that customer's invoice_settings.default_payment_method to be the PaymentMethod that you created

balmy crown May 19, 2023, 7:46 PM

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But what if the user doesn't what it to be their default, i'm guessing thats not possible with acss_debit

snow spruce May 19, 2023, 7:51 PM

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oh my gosh, I know what the issue was - can't believe I missed this

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The payment intent you're attempting to pay with was for a subscription that has on_behalf_of set.

balmy crown May 19, 2023, 7:52 PM

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drum roll

snow spruce May 19, 2023, 7:52 PM

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But when you created the SetupIntent you didn't specify on_behalf_of so we created the Mandate specifically for you to use on your platform account

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If you want the mandate to be pulled by default for that subscription you need to also set on_behalf_of on the SetupIntent

balmy crown May 19, 2023, 7:55 PM

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interesting, so if i remove the on_behalf_of i should be able to use the other mandate?

snow spruce May 19, 2023, 7:56 PM

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yeah, i'd expect if you removed on_behalf_of it'll pull the mandate you already have set up

balmy crown May 19, 2023, 7:57 PM

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ok let me try that, dam i'm glad you are here because i would have never figured that out

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It worked 🎉🎊

snow spruce May 19, 2023, 8:09 PM

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HURRAY!

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phew so glad we figured that out

balmy crown May 19, 2023, 8:10 PM

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YOU figured it out, thanks man, acss_debit payments stay in pending in testing right i'm guessing because there is no real bank?

snow spruce May 19, 2023, 8:15 PM

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You should eventually transition out of pending even in test mode (we generally try and make sure to mirror the flow you'd see in livemode). You're probably hitting the three day mandate delay, which you can bypass in test mode (https://stripe.com/docs/billing/subscriptions/acss-debit#skip-mandate-delay)

balmy crown May 19, 2023, 8:33 PM

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Yeah i using the test clock

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i move forward a week but its still in pending

magic wolfBOT May 19, 2023, 8:46 PM

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snow spruce May 19, 2023, 8:49 PM

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Yeah instead of using test clocks to test the that three day delay you should be using that email (I think we have a known bug about delayed verification methods and test clocks)

balmy crown May 19, 2023, 8:58 PM

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Hey thanks for everything, I think that’s it at least for now

snow spruce May 19, 2023, 9:08 PM

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happy to help! I'm going to close out this thread, but if you need anything else feel free to hop back in the main channel

#jasuno-setupintent-mandate