ben-bnpl-test | Stripe Developers | Page 1

lyric swiftBOT Oct 11, 2023, 6:49 PM

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mellow cosmos Oct 11, 2023, 6:52 PM

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Can you share an example of this error?

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What koopa mentioned earlier was my understanding as well

timber cliff Oct 11, 2023, 6:55 PM

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unfortunately not, Affirm doesn’t allow proceeding without shipping info

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hold on, let me show you the error

mellow cosmos Oct 11, 2023, 7:02 PM

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Sure, that'd be helpful

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Especially if you have a specific request ID like req_123

timber cliff Oct 11, 2023, 7:03 PM

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does this help? request_log_url: 'https://dashboard.stripe.com/test/logs/req_1Qkr16RrTcctA5?t=1697045877'

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I'm guessing you needed req_1Qkr16RrTcctA5

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sorry, that's not the one

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that's where I missed to include the name in the shipping details

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but it proves it's actually required, otherwise neither affirm, nor afterpay would appear

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pi_3O07poDfS3kVhDxi2VcO31b5

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"Missing required param: shipping[address][state]."

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but the point is, all that info is coming from what I have set in PaymentIntent create shipping param, the element (web) paymentsheet (mobile) would not ask for it in case of Affirm

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Afterpay does automatically open the form even if I provide shipping - to be clear, I do NOT want to provide shipping in advance, as I don't normally have the address of my customers

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so I prefer the behaviour of Afterpay that asks for it

mellow cosmos Oct 11, 2023, 7:17 PM

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Reading through this and seeing what i can see, just a minute

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Something else seems to be happening her,e since our docs say shipping is optional (but recommended) for Affirm:
https://stripe.com/docs/payments/affirm/accept-a-payment?platform=web#web-collect-payment-method-details

Improve payment success rates with additional details

We recommend passing shipping and billing details to improve conversion rates, although these are not required.

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If you optionally providing shipping for Affirm, then yea you need to collect this and provide a complete address. Here the issue is that you've set an incomplete address hash (missing state)
https://dashboard.stripe.com/test/logs/req_olWbUAoGW5Kuug

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.

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I agree the validation at the confirm time is not the best place for this to be surfaced

timber cliff Oct 11, 2023, 7:25 PM

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the problem is that on mobile, I MUST provide shipping, otherwise neither Affirm, nor Afterpay appear (this works fine on web), and I would be ok with that, but Affirm never actually asks for the details, it just takes what I indicated in shipping...

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so it's a catch 22

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this is how Afterpay looks like if I tap it

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this is affirm

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there is no form

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to take the address info

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it never appears, even if I have missing fields in shipping

mellow cosmos Oct 11, 2023, 7:33 PM

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Sure, why would it be there?

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You provided the address manually on the PI

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the problem is that on mobile, I MUST provide shipping, otherwise neither Affirm, nor Afterpay appear
I don't understand, how does that happen?

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It sounds like you;re saying to expect the payment sheet (or payment element) to automatically collect the missing fields in your optinally/manually provided shipping address

timber cliff Oct 11, 2023, 7:35 PM

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sorry, this isn't a clear cut case, so not easy to explain

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my goal is to allow people to use either Afterpay or Affirm

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this is working perfectly fine on web WITHOUT the shipping param for paymentIntent

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but as I mentioned above (and a kind colleague of yours helped me with that) mobile appears to require that I provide shipping

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otherwise neither of the BNPL options would appear

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they would not be showing as a tab at all, only the Apple Pay and Card option would be there

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but only on mobile

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for some reason

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I'm using the react-native library, might be an issue with that only, I'm not sure

mellow cosmos Oct 11, 2023, 7:40 PM

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timber cliff otherwise neither of the BNPL options would appear

This is surprising, since shipping is not required for Affirm (according to what I see)

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Can you try that again with a test mode payment inent and show me what you see, how the payment sheet is initialized etc?

timber cliff Oct 11, 2023, 7:41 PM

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you mean remove shipping from paymentIntent.create and initiate a payment?

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I have plenty of those already

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pi_3O0218DfS3kVhDxi36lVVjO8

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you will see that

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"payment_method_types": [
    "card",
    "afterpay_clearpay",
    "affirm",
    "link"
  ],

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they are all there, but they are not visible on the paymentSheet on mobile

mellow cosmos Oct 11, 2023, 7:43 PM

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They should be, though.

timber cliff Oct 11, 2023, 7:44 PM

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🙂

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yep

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I agree with you, but they're not

mellow cosmos Oct 11, 2023, 7:44 PM

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Ok, and how are you initializing the payment sheet in RN?

timber cliff Oct 11, 2023, 7:45 PM

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do you want me to paste the full code or what exactly are you curious about?

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  const defaultCountryCode = 'CA'

  const initializePaymentSheet = async itemData => {
    const { clientSecret, ephemeralKey, customer } =
      await fetchPaymentSheetParams(itemData)

    const { error } = await initPaymentSheet({
      customerId: customer,
      merchantDisplayName: companyName,
      customerEphemeralKeySecret: ephemeralKey,
      paymentIntentClientSecret: clientSecret,
      returnURL: 'traininglanemobile://payment-success',
      applePay: {
        merchantCountryCode: defaultCountryCode
      },
      googlePay: {
        merchantCountryCode: defaultCountryCode
      },
      defaultBillingDetails: {
        email,
        address: {
          country: defaultCountryCode
        }
      },
      appearance: {
        // bla bla
      }
    })

    if (error) {
      // handle error
    }
  }

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let me know if you need anything more

mellow cosmos Oct 11, 2023, 7:48 PM

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I'm just trying to figure out how to repro this and see what you're seeing

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If you omit the defaultBillingDetails does anything change?

timber cliff Oct 11, 2023, 7:49 PM

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let me try that

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one more min

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both the BNPL options are gone, even if I remove the defaultBillingDetails

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is it possible that it would not appear because I'm not physically in Canada?

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or the US, for that matter

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it's still interesting that on web this is not a problem

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which is why I excluded that possibility

mellow cosmos Oct 11, 2023, 8:00 PM

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It could be related to location, yes, if you're in a country that doesnt support these for customers

timber cliff Oct 11, 2023, 8:00 PM

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but why would it then appear on the web?

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though I know mobile handles location differently

mellow cosmos Oct 11, 2023, 8:01 PM

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Unclear, still trying to figure that out

timber cliff Oct 11, 2023, 8:02 PM

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thank you

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I appreciate that

mellow cosmos Oct 11, 2023, 8:09 PM

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I'm trying with my own account now with those payment methods enabled, to see what payment sheet shows

timber cliff Oct 11, 2023, 8:10 PM

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k

mellow cosmos Oct 11, 2023, 8:20 PM

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Ok, entirely confusing, but i am seeing the same behaviour you describe.

timber cliff Oct 11, 2023, 8:22 PM

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awesome!

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I'm not alone then 🙂

mellow cosmos Oct 11, 2023, 8:30 PM

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Can you confirm that adding the state=ontario to your PI at least resolves the confirmation error you were hitting?

timber cliff Oct 11, 2023, 8:32 PM

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I have to use state='ON'

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but yes, that error disappears if I add it

mellow cosmos Oct 11, 2023, 8:47 PM

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Still looking into this with colleagues fyi

timber cliff Oct 11, 2023, 8:47 PM

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thanks for keeping my up to date

lyric swiftBOT Oct 11, 2023, 8:47 PM

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timber cliff Oct 11, 2023, 8:47 PM

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btw, a similar thing is happening on web (react-stripe) (PaymentElement) for Affirm, if I don't provide anything for shipping, it will redirect to Affirm's (sandbox) but display an error - should I report this separately?

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it's only similar in that not providing shipping would lead to an error, but it's different in that the option will still be available even if no shipping is provided in PI

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but even remaining on mobile, providing the full shipping address and full name, I get redirected to this screen:

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I wouldn't expect this to be normal, even if it's a sandbox, Afterpay would show a test screen to approve or deny

remote mural Oct 11, 2023, 8:53 PM

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not all payment methods work the same in Test mode

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some partners have their own test mode environment and so we redirect to them in that case

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ben-bnpl-test

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If I had a magic wand, I'd never allow this and we would always show that fake test page with approve/decline. Sadly this isn't something we've been able to convince the product teams of doing 😦

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The error you end up on on Affirm is definitely weird but would be better debugged 1:1 with our support team in that case

timber cliff Oct 11, 2023, 8:54 PM

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so the screenshot with the Affirm sandbox screen is expected to show like this?

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that's what you mean I should bring to support?

remote mural Oct 11, 2023, 8:55 PM

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no it's not expected to show a weird error. Step 1 would be to try on the web for a bit and understand what's happening

timber cliff Oct 11, 2023, 8:56 PM

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web does the same thing

remote mural Oct 11, 2023, 8:57 PM

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yeah so looks like something weird with your setup/account and the best option is to reach out to support unfortunately

timber cliff Oct 11, 2023, 8:57 PM

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ok, that's fine, so I guess we can focus this thread on my original query

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why bnpl's are not appearing if the PI has no shipping param specified, and only on mobile

remote mural Oct 11, 2023, 8:59 PM

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that part I have no idea but a colleague is looking cc @strong dagger

timber cliff Oct 11, 2023, 9:00 PM

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thank you

strong dagger Oct 11, 2023, 9:07 PM

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👋 are you setting billingDetailsCollectionConfiguration here?

timber cliff Oct 11, 2023, 9:07 PM

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nope

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should I?

strong dagger Oct 11, 2023, 9:07 PM

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No you shouldn't need to. Just checking

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Still looking, one sec

timber cliff Oct 11, 2023, 9:09 PM

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k

strong dagger Oct 11, 2023, 9:15 PM

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Okay it is working for me

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So let's figure out what is different

timber cliff Oct 11, 2023, 9:16 PM

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ok

strong dagger Oct 11, 2023, 9:16 PM

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So let's cut things down

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All I'm doing on the client is const {error} = await initPaymentSheet({ customerId: customer, customerEphemeralKeySecret: ephemeralKey, paymentIntentClientSecret: paymentIntent, allowsDelayedPaymentMethods: true, returnURL: 'https://www.example.com123', })

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What version of our React Native SDK are you using?

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Ah looks like you are on 0.28.0

timber cliff Oct 11, 2023, 9:18 PM

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yup

strong dagger Oct 11, 2023, 9:18 PM

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Don't think that should matter

timber cliff Oct 11, 2023, 9:18 PM

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yeah, I didn't see anything relevant changed or added in the newer versions

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btw, @mellow cosmos could reproduce it, so we must be sharing something we did similarly

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could it be a physical location thing? I'm outside the US or Canada

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but the web (react) has no problems with that

strong dagger Oct 11, 2023, 9:22 PM

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Nah that shouldn't matter

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Are you testing on Android or iOS here? (I assume iOS but not sure if the screenshots above are from web)

timber cliff Oct 11, 2023, 9:23 PM

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that's an iOS screenshot, but Android behaves the same

strong dagger Oct 11, 2023, 9:25 PM

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Are you testing with the same Customer ID every time?

timber cliff Oct 11, 2023, 9:26 PM

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yes

strong dagger Oct 11, 2023, 9:27 PM

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That customer looks very old. Can you create a new one and run a fresh test with just the initPaymentSheet params I gave you above?

timber cliff Oct 11, 2023, 9:28 PM

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sure

strong dagger Oct 11, 2023, 9:30 PM

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Ah okay

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I think it actually is your React Native version

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Going to verify

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But seeing that we removed shipping being required from the underlying iOS SDK in June.

timber cliff Oct 11, 2023, 9:32 PM

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pi_3O0A0ODfS3kVhDxi4LGmqsqX

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oh, ok

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let me upgrade then

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ok, just upgraded to 0.33.0, unfortunately no change

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but I have just reloaded the app, so let me try with rebuilding it completely

strong dagger Oct 11, 2023, 9:37 PM

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Yeah I do think you need to rebuild

timber cliff Oct 11, 2023, 9:38 PM

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ok, building both platforms now

strong dagger Oct 11, 2023, 9:45 PM

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While waiting can you do a quick check for your podfile.lock and confirm what Stripe version it is on now?

timber cliff Oct 11, 2023, 9:47 PM

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Stripe (23.16.0)

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Android still the same, but iOS now has Affirm only (no Afterpay)

strong dagger Oct 11, 2023, 9:48 PM

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Okay that is what I see too on iOS.

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You will need shipping for Afterpay

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But sounds like this did fix it on iOS

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However you still don't see it on Android, yes?

timber cliff Oct 11, 2023, 9:48 PM

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also, clicking Affirm will not open the address form, like Afterpay did, it just redirects to that broken sandbox - is that expected?

strong dagger Oct 11, 2023, 9:49 PM

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Yeah that's expected afaik

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(Though not great obviously)

timber cliff Oct 11, 2023, 9:49 PM

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so the payment sheet cannot automatically collect the address data?

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...for Affirm only...

strong dagger Oct 11, 2023, 9:50 PM

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Payment Sheet does not collect shipping

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No

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You can force it to collect full billing details

timber cliff Oct 11, 2023, 9:50 PM

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if I click Afterpay (if it appears at all), it does open a form asking for user email, name and address

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I'd expect Affirm to do the same thing

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can I force it? how?

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I was looking for that

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something I'm actually missing in react (web) as well

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that would solve a series of my problems

strong dagger Oct 11, 2023, 9:51 PM

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You can't force it in Web without using Address Element

timber cliff Oct 11, 2023, 9:51 PM

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how about mobile?

strong dagger Oct 11, 2023, 9:51 PM

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You can force it on PaymentSheet via your billingDetailsCollectionConfiguration

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See: https://stripe.com/docs/payments/accept-a-payment?platform=react-native&ui=payment-sheet#collect-billing-details

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Basically by setting ```billingDetailsCollectionConfiguration: {
address: 'full',
},

timber cliff Oct 11, 2023, 9:53 PM

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can I set that per payment method or only generally for the whole sheet?

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eg. i don't need the address for card payment

strong dagger Oct 11, 2023, 9:54 PM

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Ah no whole sheet

timber cliff Oct 11, 2023, 9:54 PM

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dang it

strong dagger Oct 11, 2023, 9:54 PM

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Okay so looking further into Affirm stuff and it looks like unfortunately there isn't good parity here with the underlying SDKs

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With Android there are some ways to directly handle showing Affirm without setting shipping server-side: https://github.com/stripe/stripe-android/blob/master/CHANGELOG.md#paymentsheet-32

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Versus with the iOS SDK we removed the shipping requirement: https://github.com/stripe/stripe-ios/blob/master/CHANGELOG.md#2393-2023-06-26

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I'll file some feedback internally about this lack of parity... since you can't use those Android methods in the React Native SDK

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But for now my recommendation would be to enter a shipping address server-side.

timber cliff Oct 11, 2023, 9:56 PM

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on the PI, you mean, right?

strong dagger Oct 11, 2023, 9:57 PM

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Yes

timber cliff Oct 11, 2023, 9:57 PM

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and then I'd have to update that later down the line before the actual payment is submitted

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because it looks like it only takes full addresses with street and everything

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line1, postal_code, city, country, as far as I could tell, all of it has to be there otherwise Afterpay hasn't appeared for me

strong dagger Oct 11, 2023, 9:58 PM

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Yeah afaik we don't show it unless a full shipping address is provided

timber cliff Oct 11, 2023, 9:58 PM

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and full name

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ok, I understand

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might not be something I'll activate right now, will speak with the customer

strong dagger Oct 11, 2023, 9:59 PM

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👍

timber cliff Oct 11, 2023, 9:59 PM

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thanks a lot for your help, really appreciate it!

#ben-bnpl-test