kasunakalanka | Stripe Developers | Page 1

light mistBOT Aug 31, 2023, 11:28 AM

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hard yoke Aug 31, 2023, 11:28 AM

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Can you share some example payment IDs please

echo aurora Aug 31, 2023, 11:30 AM

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Initial Payment intent

    amount: stripePayAmount,
    currency: 'gbp',
    customer: customerStripeId,
    payment_method: payment_method_id,
    capture_method: 'manual',
    confirm: true,
    setup_future_usage: 'off_session',
});

Initial payment intent id -: pi_3Nl77WKhTkOXLGpI0RfGv8Z7```

**Subsequent payment intent**

```const paymentIntent = await stripe.paymentIntents.create({
    amount: stripePayAmount,
    currency: 'gbp',
    customer: customerStripeId,
    payment_method: payment_method_id,
    capture_method: 'manual',
    confirm: true,
});


Subsequent payment intent id -: pi_3Nl7CSKhTkOXLGpI0NVWOUYl```

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Please note I'm using the same payment method id of the card for both of the cases

hard yoke Aug 31, 2023, 11:32 AM

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If the customer present/online in the payment flow for the subsequent payment(s)?

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Or are they offline/merchant initiated?

echo aurora Aug 31, 2023, 11:32 AM

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customer is offline.

hard yoke Aug 31, 2023, 11:33 AM

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Then you're missing a critical param: off_session: true (https://stripe.com/docs/payments/save-during-payment?platform=web#charge-saved-payment-method)

Save payment details during payment

Learn how to save payment details during a payment.

echo aurora Aug 31, 2023, 11:34 AM

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ohh. Isn't it; setup_future_usage: 'off_session'?

hard yoke Aug 31, 2023, 11:34 AM

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Yes, for the initial payment. That will ensure that the card/payment method is saved/setup for subsequent re-use

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But if your user is offline for the subsequent payments, you need to mark those payment as such with off_session: true. Then we can apply for SCA exemptions

echo aurora Aug 31, 2023, 11:36 AM

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Thank you very much. I'll update my subsequent payment intent

hard yoke Aug 31, 2023, 11:38 AM

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However that's likely not the only issue

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The test card you're using (4000000000003220) always requires 3DS/authentication

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You should use 4000002500003155 instead:

This card requires authentication for off-session payments unless you set it up for future payments. After you set it up, off-session payments no longer require authentication.

echo aurora Aug 31, 2023, 11:41 AM

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Ohh okay. In a live environment, most of the actual cards would always require authentication right?

hard yoke Aug 31, 2023, 11:42 AM

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Initially, probably. Not necessarily for folllow-up payments if you save them correct (via setpu_future_usage). Then we will apply for SCA exemptions for follow-up payments

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However banks ultimately determine whether 3DS/auth is requested on a per payment basis so your integration needs to account for that too

echo aurora Aug 31, 2023, 11:47 AM

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Thanks again. This SCA exemptions; will it be completed from stripe's end?

broken flame Aug 31, 2023, 11:48 AM

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Hi! I'm taking over from my colleague. Please, give me a moment to catch up.

broken flame Aug 31, 2023, 11:48 AM

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echo aurora Thanks again. This **SCA exemptions**; will it be completed from stripe's end?

Yes, you don't need to worry about it

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... as long as you use setup_future_usage.

echo aurora Aug 31, 2023, 11:50 AM

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broken flame Yes, you don't need to worry about it

Thank you very much. Just one question; If the bank determines that the card should always be authenticated (for subsequent payments too), I will have to ask consumer to do so right? regardless of he is offline or not

broken flame Aug 31, 2023, 11:53 AM

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Normally, you would ask them to provide another card. It's easier than building an ad-hoc authentication flow.

#kasunakalanka