refayet_62981 | Stripe Developers | Page 1

modern frostBOT Aug 31, 2023, 8:41 PM

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fading shale Aug 31, 2023, 8:43 PM

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Hi 👋

I'm a little lost by what you are trying to do here. Are you using Payment Methods you've created in Stripe?

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And when your customers are interacting with your application, are you using Stripe.js to collect payment method information?

placid whale Aug 31, 2023, 8:58 PM

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Hi,
I am still developing, so no live customer yet. Let me explain my scenario. All payments are off-sessions. One the frontend knows the amount to be charged, I want to follow below sequence.

The webpage/app lists the available payment methods from local DB, where I saved the payment methods if the setup intents are successful. OR customer wants to use another card which is not saved.
If customer want to use a new card, I want to render payment element with card fields and a checkbox if they want to save the card for future use (off-session). Handle necessary 3DS scenario.
I am sending a paymentIntent with payment_method if existing payment method is selected via backend and stripe returning "require_confirmation"

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I am stuck there

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should I change the flow .. that first create an intent .. then list the payment method or ask for new card then provide payment method (either card info or payment_method)

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https://stripe.com/docs/payments/payment-element

I am following this .. however it only shows presenting card elements

Stripe Payment Element

Accept payment methods from around the globe with a secure, embeddable UI component.

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not how to list the existing payment methods first

fading shale Aug 31, 2023, 9:02 PM

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Okay so I would start with this guide: https://stripe.com/docs/payments/save-and-reuse

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And build your interface to save payment methods configured for off-session usage. This will include an authentication step and should trigger 3DS initially to optimize your payment methods for use off-session

placid whale Aug 31, 2023, 9:02 PM

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But this one is for on-session

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aha got it

fading shale Aug 31, 2023, 9:03 PM

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The customer must be on-session to save the payment method

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But the charges occur off-session

placid whale Aug 31, 2023, 9:03 PM

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that's what I am doing

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I am using setupIntent first for card saving

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but then I realized that why not to save card only when customer try to make payment with a new card

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but when the time of payment comes ... i.e. sometime in future .. how to first show those payment method and then create paymentIntent based on either payment_method

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I am unable to find it in any element guide

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for now I am using local UI to list the PM from local DB .. which I am very ok with

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problem is ... when it is returning "require_confirmation" .. I dont know how to rented that in frontend i.e. web

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cause use of payment methods is selected from native UI .. not from any stripe elements

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render**

fading shale Aug 31, 2023, 9:07 PM

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I am unable to find it in any element guide
That is because we don't have any UI to show saved payment methods, yet.

placid whale Aug 31, 2023, 9:07 PM

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ok .. so believe .. it should be something like handleNextAction

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in stripe,js

fading shale Aug 31, 2023, 9:07 PM

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Requires confirmation is not a 3DS response

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Do you have an example Payment intent where this is occurring?

placid whale Aug 31, 2023, 9:08 PM

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a moment .. let me share

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Here is one

📎 Node_API_response_from_Stripe_.json

fading shale Aug 31, 2023, 9:13 PM

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I just need the ID, thanks 🙂

placid whale Aug 31, 2023, 9:13 PM

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event ID?

fading shale Aug 31, 2023, 9:13 PM

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No, you gave me the payment intent ID in the json

placid whale Aug 31, 2023, 9:14 PM

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ah ok .. I am new to Discord and Stripe both .. didnt know you can lookup internally .. sorry

fading shale Aug 31, 2023, 9:14 PM

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Okay for off-session payments you need to add a few parameters to your Payment Intent.

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Here is the section of the doc that goes over how to do that: https://stripe.com/docs/payments/save-and-reuse?platform=web&ui=elements#charge-saved-payment-method

placid whale Aug 31, 2023, 9:15 PM

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I see .. off_session: true .. etc.

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got it

fading shale Aug 31, 2023, 9:16 PM

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 stripe.PaymentIntent.create(
    amount=1099,
    currency='usd',
    # In the latest version of the API, specifying the `automatic_payment_methods` parameter is optional because Stripe enables its functionality by default.
    automatic_payment_methods={"enabled": True},
    customer='{{CUSTOMER_ID}}',
    payment_method='{{PAYMENT_METHOD_ID}}',
    return_url='https://example.com/order/123/complete',
    off_session=True, // <- this part tells us the customer is not present
    confirm=True, // <- this part confirms the paymentIntent on the first API call
  )

placid whale Aug 31, 2023, 9:16 PM

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and is return_url mandatory

fading shale Aug 31, 2023, 9:17 PM

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Not if you only specify payment_method_types=['card'] https://stripe.com/docs/api/payment_intents/create#create_payment_intent-payment_method_types

placid whale Aug 31, 2023, 9:17 PM

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perfect .. thanks a lot .
appreciate it

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I will try .. at least I have a clue to chase now

fading shale Aug 31, 2023, 9:18 PM

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Sure thing! Happy to help 🙂

placid whale Aug 31, 2023, 9:19 PM

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One question though .. if 3DS is challenged (for some cards or if its more than some limit) ... how to handle that .. will web client render something ..

fading shale Aug 31, 2023, 9:20 PM

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In that case you should re-collect your customers payment method using stripe Elements to trigger the 3DS challenge flow.

placid whale Aug 31, 2023, 9:21 PM

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re-collect mean .. collecting the card information again ?

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but in my apps .. I mean apps that I use like Uber etc. those just show me a webview .. to conform if I have authorized the payment via my banking app

fading shale Aug 31, 2023, 9:22 PM

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Yes. There is a way to manually trigger the 3DS challenge flow but it is very complex and error prone so we don't recommend it
https://stripe.com/docs/payments/3d-secure#when-to-use-3d-secure

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I do want to warn you that if you choose to do handle this we cannot offer any more guidance than what is written in that doc. We provide these details for users who want to take this on themselves but we don't offer in depth support for this workflow.

placid whale Aug 31, 2023, 9:25 PM

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Understood.

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But simply put, what if I want to deploy the same flow in other rideshare apps (my one is almost similar) ..

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i.e. when there is a 3DS challenge .. I want to take confirmation from user if they had authorised the payment

fading shale Aug 31, 2023, 9:27 PM

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In that case you may need to use that approach. You would just need to be ready to handle integrating 3DS yourself

placid whale Aug 31, 2023, 9:27 PM

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I see

fading shale Aug 31, 2023, 9:27 PM

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Are you planning on building a mobile integration?

placid whale Aug 31, 2023, 9:27 PM

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thanks again. you've been very helpful

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yes, with Dart (flutter)

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not native Android or IoS

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iOS

fading shale Aug 31, 2023, 9:28 PM

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Ah, we also don't support Flutter directly. We have support for iOS,, Android, and React Native

placid whale Aug 31, 2023, 9:28 PM

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hmm .. Stripe Support recommended me a packge from dart

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and also saw a video in support channel

fading shale Aug 31, 2023, 9:29 PM

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But I would focus on getting both server-side and client-side web versions working first. It's the most straightforward way to get familiar with how the APIs work

placid whale Aug 31, 2023, 9:29 PM

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looks encouraging

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yes.. thats why I choose web as frontend and node as backend first

fading shale Aug 31, 2023, 9:29 PM

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There are packages that exist if you are set on those frameworks but they are not actively supported through Discord

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thats why I choose web as frontend and node as backend first

Very smart

#refayet_62981