shahid

[finite heart]

Hello, can you tell me more about how these issues are presenting themselves? If you have an example payment intent (pi_123) that I can look at that may help

It sounds like you are placing holds on cards but sometimes you are getting a decline after the checkout session has finished?

[stuck sparrow]

Actual,ly I am creating a custom paymentInteint with follothe wing function:
const paymentIntent = await stripe.paymentIntents.create({
amount: price, // The amount in the smallest currency unit (e.g., cents)
currency: 'usd',
payment_method: pm,
customer: customer,
// confirmation_method:"manual",
off_session: true,
confirm:true,
capture_method: "manual"
});

Moreover, I am using capture_method: "manual" and then I cancel in a webhook soon after.

[finite heart]

I am still unclear on your situation. So are you saving the payment mehtods via Checkout and then using them later on these payment intents?

And how exactly is the wrong expiry date presenting itself? Are you getting declines?

[stuck sparrow]

Ok let me explain from start:
1- A payment link is created using stripe api in server.js.
2- A user inserts an expired card with the wrong date or any other cards that are not supposed to be charged with no funds. The cards get through. Only paymentIntent detects those bypassed cards.
3- To incorporate this issue, I have employed Paythe ment Intent code above mentioned, in webhook called checkout.session.completed. I call the above funtion and make a hold on amothe unt equivalent to specific product price. Then I get error of the card decline with specific reason.

The problem i am having is that,

I am able to detect the wrong card through paymentIntent code provided above, However, I am having issue that, the user who paid with correct card, get notification of deduction of the above paymentIntent amount which is uncaptured and we are cancelling soon after paymentIntent webhook is called with manual capturing of payment.

[finite heart]

Can you send me the ID of a payment intent that you got this decline with? (pi_123)

It would be helpful to check in to the logs of what happened

If the decline is coming from the bank, there might not be anything wrong on your side. Banks sometimes decline things with a decline code that is different from why they actually declined it. In which case the customer should reach out to their bank

[stuck sparrow]

ac,tually the problem is different, let me try to explain it again.
Whenever the paymentIntent is declined, our purpose is met correctly, and the bank no longer notifies the customer.

But if the paymentIntent does not returns any error and the card is fine. Then the our charge of 0.5 dollar is made which is only for testing the card, this is an uncaptured amount. Which we cancel right away in a webhook. We don't want to customer notify about the charge, because if a correctly charged customer with correct card is notified of any payment which isn't made and cancelled without being captured, the user will think that we are playing with this account.

We are creating a new paymentIntent which accepted when card is fine and there is no issue with the card, let say, that the user has funds to purchase our services. However, if the user have no funds in his card, let say its zero dollar, then whenever, we try to deduct amount from user card, we get an error and user gets free quota. We want to verify card before the user insert any card to our system.

Do you understand now ?

[finite heart]

Unfortunatley I do not. Can you send me the IDs of the payments or requests that you are getting these errors on?