#vaibhavkhush

1 messages · Page 1 of 1 (latest)

worldly spearBOT
tranquil shard
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Hi

low gust
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It's the issue simply decline the transaction. It can happen. As a merchant you should build your integration that you can get your customer back online and provide a different payment method

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There are a lot of different issuer and they have their own policy/reason to decline a charge

tranquil shard
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is it issue of bank or my code

low gust
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More of your code, as you can't predict when and which bank will decline

tranquil shard
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should i have to correct my code as it says bank has declined the paymnt

low gust
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for example the bank can figure it out the customer was fraud, and terminate their card

tranquil shard
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what should i change in my code

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first time payment is successfull

low gust
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or simply the customer card expired

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ie if the card was due July 2023, the first monthly payment on July 10th could success, but the next on Aug 10th will be declined

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Really decline is up to the bank and there are various reasons

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As a merchant your integration should be responsive to decline

tranquil shard
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but card is working fine thats my card

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can i know the reason what taking it decline

low gust
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Sure but the bank could have other reason too, only the cardholder (you in this case) can reach out to the bank and clarify

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Can you give me the failed Invoice? I can quick check

tranquil shard
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yes sure

low gust
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But most of the time, we only know that the bank declined it

tranquil shard
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an the can you check what I am doing wrong my flow for subscription is

  1. Creating Customer
  2. Then for 3ds charge 1 rupee from customer by payment Intent then refund it
  3. Creating subscription with that payment Id
    then confirming with customer and sending invoice
worldly spearBOT
marsh lava
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please don't paste the actual invoice here. This is a public channel

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we're looking for the invoice id

tranquil shard
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its for testing purpose only

marsh lava
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regardless, what we need is the invoice id

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not the pdf file

tranquil shard
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7A7D716A-0002

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pls check

marsh lava
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a invoice id starts with the prefix in_

tranquil shard
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in_1NQBtiSJDL75kuB7HRyuhjpZ

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this one

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any update?

marsh lava
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you're going to need to talk to your bank about that, we don't really have any additional insights here since it's the bank that declined the charge

tranquil shard
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is my payment flow is correct

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Creating Customer
Then for 3ds charge 1 rupee from customer by payment Intent then refund it
Creating subscription with that payment Id
then confirming with customer and sending invoice

marsh lava
tranquil shard
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but in Indian transaction its saying 3ds is required before saving customer card as per RBI guidelines

marsh lava
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if you follow that flow in the guide, 3DS will be initiated when collecting and saving the customer card

tranquil shard
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i am creating 1 rupees transacation so it can be reason of card declined so ??

marsh lava
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you're going to need to talk to your bank about that, we don't really have any additional insights here since it's the bank that declined the charge

tranquil shard
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can stripe help with it

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?

marsh lava
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what exactly do you want Stripe to help with?

tranquil shard
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payment decliend

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and 3ds flow

marsh lava
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i've already mentioned that you need to contact your bank regarding the decline

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and for the 3DS flow, if you follow that flow in the guide, 3DS will be performed. You don't need to (and should not) perform a 1 rupee charge and then refund it