#dano_jan
tropic walrus
somber pebble
Hi there. This is a chat-based forum so feel free to chat with us. But when you have a concrete Id and more sensitive information needs investigation, you would better follow up with Support team
This is a public forum
Looking at your PaymentIntent, I see in this request you created the card information from a raw card number. Is this from your frontend? https://dashboard.stripe.com/logs/req_lXyxZ7fGxcjGNG
It's unclear why the bank declined your PI (only the bank knows, and you should ask customer to reach out to their bank to figure it out). But generally creating token directly like this could leads to higher decline rate based on our experience.
uncut wolf
Certainly, I have a basic form where I request the name, card number, expiration date, and CVC. I then send this information to the /tokens API, which returns a token. Afterward, I save it using the API at api/v1/customers/{id}?source=token.
uncut wolf
react native app
somber pebble
Okie, using our React Native SDK?
uncut wolf
No, API only
somber pebble
That's the missing piece. Using our SDK you can switching over to use SetupIntent to collect cards (replace your 1,2,3 step). Doc here: https://stripe.com/docs/payments/save-and-reuse?platform=react-native&ui=payment-sheet
This would handle 3DS automatically for you, and also get you out of the PCI Compliance scope
Using your own form dealing with card details will likely lead you to SAQ-D, while using our SDK will only be SAQ-A. Outlined here https://stripe.com/docs/security/guide#validating-pci-compliance.
uncut wolf
Alright, if I understand correctly, the log of the paymentId I managed to provide you indicates an error because it's not properly processed. Is an additional step missing, correct?
With the SDK, will I be able to implement these missing steps in a straightforward manner?
somber pebble
No, the PI above is declined by the bank and that's all we know. We can't say your integration made it declined. We just can say, by experience, that your integration likely gets higher decline rate
Only the bank know the true reason they decline it (it's them who declined the transaction)
uncut wolf
ok now I understand, this sounds great, I will implement these changes. Thank you very much for the help, and I will be more careful about what I post. Thanks again!