#aion4481
worn compass
agile tundra
Hi 👋
How are you creating the Payment Element? Do you create the Payment Intent first?
I recommend creating the Payment Intent first and listing the payment methods you want to allow for each Payment Intent. That way you can exclude sepa_debit and prevent it from being available
https://stripe.com/docs/api/payment_intents/create#create_payment_intent-payment_method_types
flat crest
Hi, thank you for your consideration !
I create a Setup Intent indead.
It's 'payment_method_types' is filled with :
[ "bancontact",
"card",
"ideal",
"sepa_debit"]
agile tundra
Wait...I though you said you don't want your users to pay directly with Sepa Debit
But if you are using a Setup Intent they aren't paying directly
flat crest
No but they are registering a payment method that i will charge later.
flat crest
Yes but in production, I have users that use SEPA directly because they can dispute any payment made with this method and they are automatically refunded (and i even have a fee to pay for that)
agile tundra
Okay but since the payment method created will be SEPA anyway, you are still just as exposed when you use iDeal or Bancontact
The only protection you have with those payment methods is if they are used directly
But back to the API question, which is the only one I can really speak to
What happens if you do not include sepa_debit in the payment_method_types in your Setup Intent?
flat crest
It is such a bad news for me because My service is a renting service and users pay at the end of the service (depending on the time spent). My other option would be to use auth and capture but it is not available for iDeal or Bancontact.
Anyway, if I do not include sepa_debit in the payment_method_types, the payment intent i will create with the payment method will fail (I dont have the exact error right now, but it say that SEPA debit must be enabled)
agile tundra
I can only really offer advice on using the APIs here. For the specifics on what, if any, liability shift you get when using a sepa_debit payment method when it is created from an iDeal or Bancontact account I would recommend reaching out to Support
https://support.stripe.com/contact
For the Setup Intent I suspect the problem is that the actual payment method that while be created when the Setup Intent is confirmed is a sepa_debit payment method so that type has to be included.
flat crest
Thank you a lot for your answers and your reactivity. It is much appreciated !