barry-terminal-reactnative | Stripe Developers | Page 1

wary flameBOT Aug 7, 2023, 5:28 PM

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ancient crest Aug 7, 2023, 5:29 PM

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Hi 👋

I'm not going to re-open the thread

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But can you summarize what the question was?

wary flameBOT Aug 7, 2023, 5:33 PM

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cobalt shadow Aug 7, 2023, 5:34 PM

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barry-terminal-reactnative

small otter Aug 7, 2023, 5:38 PM

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I'm using Stripe Terminal for a POS systme for a brewery. I want to be able to start tabs for customers and get the card holder name with a card swipe. I have been able to do this with the readReusableCard call, but I am getting charged fees for "online purchase" instead of a "present card" purchase.

ancient crest Aug 7, 2023, 5:39 PM

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Okay do you have some Payment Intent IDs that I can review?

small otter Aug 7, 2023, 5:41 PM

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Here is the paymentIntent that gets returned when I make collect using the "in person" collectPayment call...

{
"paymentIntent": {
"amount": 772,
"amountCapturable": 0,
"amountDetails": {
"tip": {}
},
"amountReceived": 0,
"applicationFeeAmount": 0,
"canceledAt": 0,
"captureMethod": "manual",
"charges": {
"data": []
},
"clientSecret": "pi_3NbnzbGPoenFLLiH1oohW2MY_secret_WLZrRkZXZ1PIFPswfRoLGIReI",
"confirmationMethod": "automatic",
"created": 1691255419,
"currency": "usd",
"id": "pi_3NbnzbGPoenFLLiH1oohW2MY",
"livemode": false,
"metadata": {
"cashierId": "XwLG3Umdg7VN5blSRg7n71qpqdA3",
"deliveryMethod": "barOrder",
"tabId": "n0iJlsiNTq6SrB6Xa8NN"
},
"paymentMethodOptions": {
"cardPresent": {}
},
"status": "REQUIRES_CONFIRMATION"
}
}

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I use the readReusableCard call. I get a lot more detailed information including the payment method info:

📎 message.txt

ancient crest Aug 7, 2023, 5:43 PM

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Yes and I do see the confirmation request is passing the card present type with all the data

small otter Aug 7, 2023, 5:45 PM

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For which call?

ancient crest Aug 7, 2023, 5:48 PM

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the confirmation call, when the payment method details are provided

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And when the funds are captured we can see the Payment Intent still has the only payment method type is card_present
https://dashboard.stripe.com/test/logs/req_Xyz3RzC1UhulxS

small otter Aug 7, 2023, 5:49 PM

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Sorry, I think I sent you two object with the same payment intent ID. Let me get one that is from a card present transaction.

ancient crest Aug 7, 2023, 5:49 PM

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This one is a card present transaction in Test mode

small otter Aug 7, 2023, 5:53 PM

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{
"status": "requires_payment_method",
"application_fee_amount": null,
"processing": null,
"next_action": null,
"last_payment_error": null,
"application": null,
"receipt_email": null,
"charges": {
"object": "list",
"url": "/v1/charges?payment_intent=pi_3NcXbUGPoenFLLiH16KVvSGF",
"has_more": false,
"total_count": 0,
"data": []
},
"cancellation_reason": null,
"customer": null,
"setup_future_usage": null,
"payment_method_types": [
"card_present"
],
"invoice": null,
"amount": 772,
"capture_method": "manual",
"transfer_data": null,
"created": 1691430748,
"object": "payment_intent",
"payment_method": null,
"canceled_at": null,
"payment_method_options": {
"card_present": {
"request_extended_authorization": false,
"request_incremental_authorization_support": false
}
},
"on_behalf_of": null,
"currency": "usd",
"statement_descriptor_suffix": null,
"automatic_payment_methods": null,
"transfer_group": null,
"livemode": false,
"confirmation_method": "automatic",
"statement_descriptor": null,
"latest_charge": null,
"review": null,
"amount_received": 0,
"source": null,
"client_secret": "pi_3NcXbUGPoenFLLiH16KVvSGF_secret_OFGpyKyzRTOdZrP180EgAQH7m",
"metadata": {
"cashierId": "XwLG3Umdg7VN5blSRg7n71qpqdA3",
"deliveryMethod": "barOrder",
"tabId": "pAtS7GXbf0x0gaCDULV3"
},
"shipping": null,
"id": "pi_3NcXbUGPoenFLLiH16KVvSGF",
"amount_capturable": 0,
"description": null,
"amount_details": {
"tip": {}
}
}

ancient crest Aug 7, 2023, 5:54 PM

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Please just provide the id property. It's the only thing I need/can use

small otter Aug 7, 2023, 5:54 PM

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Ok, but what I am trying to show is that the data coming back is different. This is missing the payment method info.

ancient crest Aug 7, 2023, 5:55 PM

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So you are attempting to pass an existing payment method when creating this payment intent?
https://dashboard.stripe.com/test/logs/req_K2HLcHCgybxUJR

small otter Aug 7, 2023, 5:57 PM

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This is handled by the Stripe Terminal API. I first create a payment intent. Then call the Stripe Terminal collectPayment method and pass it the payment intent.

ancient crest Aug 7, 2023, 5:58 PM

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This call? https://stripe.com/docs/api/terminal/readers/process_payment_intent

small otter Aug 7, 2023, 6:00 PM

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I am not using the REST API directly. This is handled by Stripe Terminal SDK. https://github.com/stripe/stripe-terminal-android/tree/master

GitHub

GitHub - stripe/stripe-terminal-android: Stripe Terminal Android SDK

Stripe Terminal Android SDK. Contribute to stripe/stripe-terminal-android development by creating an account on GitHub.

ancient crest Aug 7, 2023, 6:01 PM

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RIght so this call: https://stripe.com/docs/terminal/payments/collect-payment?terminal-sdk-platform=android#process-payment

small otter Aug 7, 2023, 6:05 PM

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I call that later when I want to close the customers tab, but I need to get the customers name after I call collectPayment and before I call process payment.

The flow is:

Customer orders a few items
Create payment intent
Collect payment (with Stripe Terminal)
I'd like to get the customer name here
Customer adds items
Payment intent is updated
processPayment is called and card is charged

ancient crest Aug 7, 2023, 6:08 PM

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Okay what is preventing you from getting the customer's name? The card isn't charged until the funds are manually captured in another API call

small otter Aug 7, 2023, 6:11 PM

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I'm not following. How can I get the customer's name? Isn't the card charged when processPayment is called?

ancient crest Aug 7, 2023, 6:13 PM

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You said the customer keeps adding items and the PI is updated. But you don't appear to be using our Incremental Auth flow for this:
https://stripe.com/docs/terminal/features/incremental-authorizations

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That is the kind of scenario this flow was designed to support

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But to answer your question directly, when you call Terminal.getInstance().processPayment() the Intent is confirmed and the amount is authorized but the card is not charged

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The customer will see the funds held in their card statement but that's the authorization, not the charge. The card is actually charged once you capture the payment server-side.

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You can see that API call for the previous Payment Intent here: https://dashboard.stripe.com/test/logs/req_Xyz3RzC1UhulxS

Stripe Login | Sign in to the Stripe Dashboard

Sign in to the Stripe Dashboard to manage business payments and operations in your account. Manage payments and refunds, respond to disputes and more.

small otter Aug 7, 2023, 6:22 PM

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I was unaware of the Incremental Auth Flow. I will look at it.

So if processPayment does not capture, what does it do? I am not calling capturePayment and it is capturing. Maybe because I have my payment intent set up to automatically capture?

ancient crest Aug 7, 2023, 6:23 PM

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The Dashboard link I posted above is what captured the previous payment intent. It was triggered from a Node.js server

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But getting back to your question about collecting the name. What is stopping you from providing that functionality between the collectPaymentMethod() and processPayment() calls?

small otter Aug 7, 2023, 6:25 PM

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I'm trying to get the customers name from the card swipe, not asking them manually.

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The payment intent that is returned after collectPayment() does not have a reference to the payment method.

ancient crest Aug 7, 2023, 6:28 PM

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Are you referring to this snippet? https://stripe.com/docs/terminal/payments/collect-payment?terminal-sdk-platform=android#collect-inspect-payment-method

small otter Aug 7, 2023, 6:30 PM

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I actually have not used that function. Will it return the cardholders name?

ancient crest Aug 7, 2023, 6:31 PM

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That is in beta so I don't know for certain but the cardholder's name is part of the payment method that is attached when confirming the payment intent with processPayment()

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Which, getting back to the Incremental Authorization flow, is how you initially collect card details.

small otter Aug 7, 2023, 6:33 PM

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Ok, I can try that. Back to a question I had before. What happens after processPayment()? Am I still able to update a payment intent after that?

ancient crest Aug 7, 2023, 6:34 PM

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If you are talking about changing the amount, without using incremental authorization we do not recommend it. Banks may reject the charge since the amount is greater than what was authorized. That's why we have the incremental auth flow.

small otter Aug 7, 2023, 6:37 PM

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Ok. I will look into it. For the collectPaymentInformation() call, you said it is in Beta. Is there an SDK available that has access to this call?

ancient crest Aug 7, 2023, 6:39 PM

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That is currently in our Android SDK and documented here: https://stripe.dev/stripe-terminal-android/core/com.stripe.stripeterminal/-terminal/collect-payment-method.html?query=fun collectPaymentMethod(intent: PaymentIntent, callback: PaymentIntentCallback, config: CollectConfiguration?): Cancelable

small otter Aug 7, 2023, 6:43 PM

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How is the behavior of this different from collectPayment()?

ancient crest Aug 7, 2023, 6:44 PM

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It is specific to returning the payment method to your android integration using the callback

override fun onSuccess(paymentIntent: PaymentIntent) {
    val pm = paymentIntent.paymentMethod
    val card = pm?.cardPresentDetails ?: pm?.interacPresentDetails

    // Placeholder for business logic on card before processing paymentIntent
  }

small otter Aug 7, 2023, 6:45 PM

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And it's also attaching the payment method to the payment intent? So I can still process and capture the payment later?

ancient crest Aug 7, 2023, 6:46 PM

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That occurs in the processPayment() step

small otter Aug 7, 2023, 6:46 PM

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Ok. I will give that a try. Thanks for your help.

ancient crest Aug 7, 2023, 6:47 PM

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I'm happy to shed what 💡 I can 🙂
It's why we're here

small otter Aug 7, 2023, 6:47 PM

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👍

small otter Aug 7, 2023, 7:11 PM

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So, I just tried the link to get the card info with collectPaymentMethod(). The card holdername comes back as "CARDHOLDER/VISA" instead of the actual name. This is consistent with what I have seen in the past using the "in person" payments.

Not I am using a Stripe test card and when it returns the actually card holder name it always says "TEST/STRIPE".

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pm_1NcYnVGPoenFLLiHdcX23iAC

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pi_3NcYnEGPoenFLLiH0pvnSyUD

glad patio Aug 7, 2023, 7:19 PM

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hi @small otter , I'm around now, mind quickly recapping what your question is re: card holder name on Terminal?

small otter Aug 7, 2023, 7:20 PM

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I'm trying to get the card holder name when using Stripe Terminal collectPaymentMethod()'

glad patio Aug 7, 2023, 7:24 PM

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yep but what's the issue you're facing exactly?

that the format Stripe has on the test card is TEST / STRIPE and not NAME / VISA ?

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or something else? (that is how I read your earlier comment)

small otter Aug 7, 2023, 7:28 PM

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No, when I try and get the card holder name with collectPaymentMethod() the card holder name comes back as "CARDHOLDER/VISA" instead of the actual name. As a workaround, I was using readReusableCard() which gives me the actual name, but I am getting charged for "online" payments which greatly increases my fees.

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So with readReusableCard() it would come back in the format "SMITH/JOHN" which is what i am looking for with collectPaymentMethod().

glad patio Aug 7, 2023, 7:36 PM

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with collectPaymentMethod() the card holder name comes back as "CARDHOLDER/VISA" instead of the actual name
hmm is CARDHOLDER == actual name with card network prefixed?
Or literally the string CARDHOLDER what you see in the response?

ah in your PaymentIntent above, it is literally CARDHOLDER / NAME (that exact string)

isn't that expected with the Stripe test card? which is what you said you're using?
(which is non ideal I agree given the name expected is LAST/FIRST iirc)

small otter Aug 7, 2023, 7:38 PM

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No, if I use readReusableCard() the name comes back as "TEST/STRIPE".

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When not in test mode, using my John Smith example, collectPaymentMethod() would return "CARDHOLDER/VISA" and readReusableCard() would return "SMITH/JOHN".

glad patio Aug 7, 2023, 7:44 PM

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oh that's odd - can you share the live mode example

When not in test mode using my John Smith example, collectPaymentMethod() would return "CARDHOLDER/VISA" and readReusableCard() would return "SMITH/JOHN".

small otter Aug 7, 2023, 7:47 PM

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Here is one from a completed transaction...
pi_3NcZJ5GPoenFLLiH1w9OcMU8

glad patio Aug 7, 2023, 7:51 PM

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looking

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going to ask internally, be a min

small otter Aug 7, 2023, 7:56 PM

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👍

glad patio Aug 7, 2023, 8:00 PM

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ah wait - was this on tap?

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card tap i.e.

small otter Aug 7, 2023, 8:02 PM

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Yes

glad patio Aug 7, 2023, 8:05 PM

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I think that's expected to be a generic text then?

Cardholder name is typically not available on swipe or contactless payments, such as those made with Apple Pay and Google Pay.
from https://stripe.com/docs/api/charges/object#charge_object-payment_method_details-card_present

small otter Aug 7, 2023, 8:07 PM

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That's the issue. I just tested when inserting the card and it is showing up as "TEST/STRIPE".

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That's why it works with readReusableCard(). This function doesn't allow you to tap.

glad patio Aug 7, 2023, 8:09 PM

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yeah so my understanding is that

when cardholder name is available (i.e. insert), in test mode it returns TEST/STRIPE
when cardholder name is available (i.e. insert) in live mode, it returns LAST/FIRST
when card holder name is not available (tap) in test or live , it returns CARDHOLDER/VISA

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so it is working as expected

small otter Aug 7, 2023, 8:10 PM

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The problem is that we'll ask people to insert their card, but most people will still tap.

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Is there a way to block the tap functionality with collectPaymentMethod()?

glad patio Aug 7, 2023, 8:20 PM

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yeah there's no way to do that, and also, I think you're doing this so you can guarantee cardholder name through insert? basically that isn't guaranteed even on insert since it is all up to issuers etc so if you need it, just collect it outside of the payment flow to guarantee it

small otter Aug 7, 2023, 8:22 PM

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I'm not sure what you mean "collect it outside of the payment flow", like just ask for the name manually?

glad patio Aug 7, 2023, 8:23 PM

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yes

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I'm inferring from your question that you want cardholder name for some purpose

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but cards won't guarantee it even with insert

small otter Aug 7, 2023, 8:24 PM

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That's what I'm trying to avoid. We are a very high paced brewery and it would slow down the staff too much to ask for a name each time. I have been using readReusableCard() for the last 6 months and haven't had issues getting the name. Would this be any different?

glad patio Aug 7, 2023, 8:26 PM

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Would this be any different?
I think so cause readReusableCard() reads the card differently as you said earlier, as it doesn't result in a card_present payment

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why do you need card holder name for your flow, out of curiousity? tracking orders?

small otter Aug 7, 2023, 8:28 PM

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It's for customers starting a tab. They order a beer, start a tab, then come back up to the bar and just give their name so we can add the next beer to their tab. When they are done I update the payment intent and process and capture it.

glad patio Aug 7, 2023, 8:30 PM

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would offering a quick input for PoS operator / bartender to enter the customer name on the PoS before accepting the card?

small otter Aug 7, 2023, 8:32 PM

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That's what I'm saying would slow us down too much. I think I'll play around with forcing them to insert the card. Maybe I can detect if it comes up with "CARDHOLDER" and just make them insert the card again.

glad patio Aug 7, 2023, 8:36 PM

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yeah you could try that though in cases where you won't get a name from card holder at all, you'll still need fallback

small otter Aug 7, 2023, 8:36 PM

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Yes, I agree with that.

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Thanks for your help!

#barry-terminal-reactnative