cnguyen85 | Stripe Developers | Page 1

surreal fogBOT Sep 21, 2023, 9:13 AM

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charred wadi Sep 21, 2023, 9:14 AM

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Hi there!

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The most common fow is to first create the PaymentIntent or SetupIntent, and then use the client secret to display the Payment Element yes.
But we recently released a "deferred flow", where you don't need to create the PaymentIntent/SetupIntent upfront. You can learn about this here: https://stripe.com/docs/payments/accept-a-payment-deferred

fast nova Sep 21, 2023, 9:20 AM

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OK I see. And I want to validate my flow. I'm the platform account. And there is Standard Connecte Account client.

Explanation :

On the platform account, I need to keep the customer and the card (off_session) to generate a subscription that is stored in the platform account
On the connect account, I need to process the purchase (like a direct charges - could be on_session), have the customer and card information too. And it's possible to generate a subscription too (off_session)

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So, the customer is on the website of the merchant (standard connect account).

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I think that :

The merchant has to use our pk_live (I will generate a specific one for him)
So I will handle his purchase/order payment with a direct charges

charred wadi Sep 21, 2023, 9:24 AM

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So you want the payment details stored on both the platform and the connected account (to do direct charges)?

fast nova Sep 21, 2023, 9:24 AM

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payment details = card or pi ?

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For me, on the platform account, I just need to have the customer and the card. Not the PI. PI is for the merchant (connect account)

charred wadi Sep 21, 2023, 9:27 AM

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The way to do this:

Store all the info on the paltform (Customer and PaymentMethod)
When you want to charge the customer on the connected account, clone the PaymentMethod on the connected account, and then create a Direct Charge

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This doc explains how to clone the PaymentMethod: https://stripe.com/docs/payments/payment-methods/connect#cloning-payment-methods

fast nova Sep 21, 2023, 9:29 AM

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And the flow will be :
1 - Front => Display the card element (but need a client_secret => we can handle without it with the "deferred flow" => https://stripe.com/docs/payments/accept-a-payment-deferred)
2 - Back => Create the customer and generate the setup_intent (to have the card in "off session")
3 - Front => Do a stripe.confirmCardSetup (with client_secret, card_element) (we can have a 3DS)
4 - Back => On "si.succeeded" webhook, I clone the customer and payment_method from the platform to the connect account => https://stripe.com/docs/payments/payment-methods/connect#cloning-payment-methods)
5 - Front => On si.confirmCardSetup sync validation => call the back to create the PI (direct charges) and send the pm_id to use it to generate the PI
6 - Back => Create the pi and generate the client_client (with the PM generated by SI?)
7 - Front => pi.confirmPayment (to validate the PI with 3DS)
8 - Front => on sync validation of confirmPayment, I can now redirect the customer to the confirmation page

charred wadi Sep 21, 2023, 9:34 AM

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So you want to do a SetupIntent on the paltform, and then right after a PaymentIntent on the connected account?
That should work, but there's a downside: the customer might need to perform two 3DS: one for the SetupIntent and one for the PaymentIntent.

fast nova Sep 21, 2023, 9:35 AM

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Yes but how can I have the PM in off_session on the 2 sides (platform and connected account) ?

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Because if I do directly a PI in direct charges, the pi and the pm will be only on the connected account, no ?

charred wadi Sep 21, 2023, 9:39 AM

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Because if I do directly a PI in direct charges, the pi and the pm will be only on the connected account, no ?
That's correct.

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There's no perfect solution for this use case. Thinking about this...

fast nova Sep 21, 2023, 9:43 AM

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And about my flow, is it a good one ?

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When I confirm the confirmCardSetup with 3DS, I can use the PM to create the PI and I will have chance to avoid the 2nd 3DS ? Or I use the same cardElement twice (once for SI and once for PI) ?

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And maybe I have to switch the 1 and 2 to generate the clien secret first ? And to generate it, I need to have the customer information ?

charred wadi Sep 21, 2023, 9:51 AM

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And maybe I have to switch the 1 and 2 to generate the clien secret first ? And to generate it, I need to have the customer information ?
As I told you at the very beginning:
The most common fow is to first create the PaymentIntent or SetupIntent, and then use the client secret to display the Payment Element yes.
But we recently released a "deferred flow", where you don't need to create the PaymentIntent/SetupIntent upfront. You can learn about this here: https://stripe.com/docs/payments/accept-a-payment-deferred

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So 1 then 2 is the new "deferred flow" which is possible. 2 then 1 is also possible.

fast nova Sep 21, 2023, 9:58 AM

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And :
"When I confirm the confirmCardSetup with 3DS, I can use the PM to create the PI and I will have chance to avoid the 2nd 3DS ? Or I use the same cardElement twice (once for SI and once for PI) ?"

charred wadi Sep 21, 2023, 10:00 AM

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It's two different things:

When you confirm the SetupIntent on the frontend, it may trigger a 3DS flow. Then you get a PaymentMethod.
You then clone the PaymentMethod
And create a Direct Charge with the cloned PaymentMethod. When you confirm the PaymentIntent it may work directly or may require 3DS.

fast nova Sep 21, 2023, 10:07 AM

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Mmm but it means that the direct charge will be offline ?

charred wadi Sep 21, 2023, 10:08 AM

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No necessarely, that's up to you. If the customer is still on session, then:

You create the PaymentIntent on your backend
Then confirm the PaymentIntent on the frontend

fast nova Sep 21, 2023, 10:09 AM

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If he is still on session, it will be safer to handle the "main" payment online. So to do the pi

charred wadi Sep 21, 2023, 10:10 AM

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Yes agreed, this way if 3DS is required, the customer will be already there to handle it.

fast nova Sep 21, 2023, 10:12 AM

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And when I do the stripe.confirmCardSetup => It's on the synchronous validation that I have the pm_id ?

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Because, the cloning could only be done on back session. So it's only with the si.suceeded for example. So it's an async way. I an wait the cloning to handle the PI.

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I want that the customer enters the card info once and handle the 2 stuffs (SI + PI)

charred wadi Sep 21, 2023, 10:16 AM

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Because, the cloning could only be done on back session. So it's only with the si.suceeded for example. So it's an async way. I an wait the cloning to handle the PI.
Yes that's correct. But it should be pretty quick.

fast nova Sep 21, 2023, 10:17 AM

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And when I do the stripe.confirmCardSetup => Do I have the pm_id in the synchronous validation ?

charred wadi Sep 21, 2023, 10:24 AM

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Yes the frontend response will contain the PaymentMethod ID

fast nova Sep 21, 2023, 10:25 AM

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Or maybe the best option is to create a WS to do the cloning ? And to call it just after the si.confirm. Like that I'm sure to create and launch the pi with the cloned customer / pm ?

It will give :

Create customer + SI
On si.success => call WS to clone customer and pm
On WS success => Create the PI with the cloning infos
On PI.success => redirect to thank you

Is it better ?

surreal fogBOT Sep 21, 2023, 10:27 AM

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frail briar Sep 21, 2023, 10:28 AM

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What's a 'WS'?

fast nova Sep 21, 2023, 10:28 AM

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web service

frail briar Sep 21, 2023, 10:29 AM

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I don't know what that means. A webhook?

fast nova Sep 21, 2023, 10:29 AM

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for example POST api.test.com

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like a REST API

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But if you don't know what is it... You can't help me I think ^^

frail briar Sep 21, 2023, 10:31 AM

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Never heard to it referred that way. But yes you'll need a server/backend to clone a customer

fast nova Sep 21, 2023, 10:33 AM

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lol. Is it possible to continue with soma ? Or to have an other guy please ?

frail briar Sep 21, 2023, 10:33 AM

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Nope, I can help. I'm not sure what was confusing about my answer

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You asked if you need a 'web service' to clone a customer

fast nova Sep 21, 2023, 10:33 AM

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Have you read all the conversation ?

frail briar Sep 21, 2023, 10:34 AM

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Which you do, because you need to call the API that clones the customer with your secret keys

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Yep, you're a platofrm attempting to clone PMs to conncted accounts and charge them

fast nova Sep 21, 2023, 10:34 AM

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Sorry it's because your answers are weird.

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but let's try

frail briar Sep 21, 2023, 10:35 AM

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Really? I think they're pretty clear

fast nova Sep 21, 2023, 10:35 AM

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not at all ^^

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you didn't understand

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and you don't answszer to the question

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but anyway

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it's ok

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i will check myself

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I had few interesting information from soma

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thank you for your help

frail briar Sep 21, 2023, 10:36 AM

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Can you try and re-phrase the question?

#cnguyen85