Eugene Bakhmetiev | Stripe Developers | Page 1

gloomy folioBOT Jun 9, 2023, 8:02 AM

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astral sapphire Jun 9, 2023, 8:04 AM

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Hey, catching up

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The Payment Element will limit the PMs offered based of geographic location of the customer (according to session IP)

upbeat burrow Jun 9, 2023, 8:08 AM

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Thanks for the response! Does it take into account the fact that merchant is US based ? What I mean is that BNPL methods, i.e. Klarna, are supported in EU countries, but only for EU merchants, so they should be filtered out for all EU sessions

astral sapphire Jun 9, 2023, 8:10 AM

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Well, Klarna is also supported for US merchants

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But only on USD payments

upbeat burrow Jun 9, 2023, 8:15 AM

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Yes, but Klarna is supported only if both customer and merchant are either in EU or US, so if merchant is in US, but customer's session is in EU, it should not be displayed, but it still is. Only if I change the currency of the paymentIntent to euro -- then Klarna and other unsupported methods are filtered out of the list

astral sapphire Jun 9, 2023, 8:16 AM

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I'm not sure that's true – my understanding is it only depends on the presentment currency (i.e. US merchants can only offer Klarna payments in USD)

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So what you're describing seems accurate

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Or maybe you're right. I'm not sure, it's not really clear from here: https://stripe.com/docs/payments/klarna#:~:text=Depending on location%2C Stripe users can accept Klarna payments from customers in the following countries%2C provided the presentment currency matches the currency of the customer’s country%2C as detailed in payment options%3A

Klarna payments

Offer your customers flexible payment options while getting paid up front with Klarna.

upbeat burrow Jun 9, 2023, 8:19 AM

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I found this in the docs, and I interpreted it to mean that both currency and country are taken into account

astral sapphire Jun 9, 2023, 8:20 AM

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So maybe EU customers can use Klarna for USD payments as you're a US merchant? Unclear. Did you try and complete a test Klarna payment?

upbeat burrow Jun 9, 2023, 8:24 AM

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Yes, it results in this error:

The customer's billing address country is NL which is outside the countries you can accept Klarna payment from. billing_details[address][country] must be one of: US.

astral sapphire Jun 9, 2023, 8:43 AM

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Hmm, let me think about this

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Yeah I'm not sure this is possible right now with AutoPM, in that you can't re-compute the available PMs once you've collected some billing details for example

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My guess is we don't exclude Klarna on an IP basis in this scenario as in theory you could have a qualifiying billing address outside of your IP locale (i.e. you may be on vacation)

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I think having the Payment Element re-compute available PMs based on billing details collected in the Address Element seems reasonable, and is something I'll relay internally

upbeat burrow Jun 9, 2023, 9:08 AM

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Okay, makes sense, thanks. What would be the best approach to control the list of PMs in this case then? Disable automatic PM list, and populate it manually based on the address?

gloomy folioBOT Jun 9, 2023, 9:09 AM

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digital sparrow Jun 9, 2023, 9:10 AM

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that's an option, you could geoIP-locate the customer or ask them upfront for a location, and then pass a customised payment_method_types . But yeah, not ideal.

#Eugene Bakhmetiev