focussedgrind | Stripe Developers | Page 1

raw obsidianBOT Jan 18, 2024, 5:38 AM

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past zealot Jan 18, 2024, 5:38 AM

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In our app, users will be taking payments via credit card. We feel it is wiser to use credit card input field where user enter details and we try to resolve the request with Stripe. If the request fails, then we will try with other payment processor on our side.

If payemnt processing with Stripe fails, 
       then try to process with payment_processor_B

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The question is not about how to send request to Stripe.

The question is collecting and transmitting credit card info being payment processor agnostic.
And how to do this securely and being PCI complaint?
We don't plan to save credit card info. We just want to pass on credit card info from our mobile app when user enters it and send it to payment processing logic (above pseudocode which has the fall back logic).
3a. Also, this means we have to store the credit card info. Stripe provides some option to store credit card outside our system securely. but for our scenario where we have fallback, can we do the same?

dreamy crow Jan 18, 2024, 5:40 AM

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As part of PCI regulation, you're not allowed to collect or save the raw card details in your system at any point of the flow if you're not PCI level 1 certified or complete SAQ-D: https://stripe.com/docs/security/guide

Integration security guide

Ensure PCI compliance and secure customer-server communications.

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It's not possible to forward the card information to another processor unless you're able to collect raw card data

past zealot Jan 18, 2024, 5:41 AM

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so what optinos I have, to store credit card info , so that

I can try payment processopr B, if stripe fails. This is like a fallabck
We let users top up their account. So, if their balance is low, we want to auto top uptheir account. This wil be done upon user enabling this feature wtihin our app

dreamy crow Jan 18, 2024, 5:42 AM

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Are you PCI level 1 certified or complete SAQ-D? If you are not, you can't collect and store credit card information

past zealot Jan 18, 2024, 5:43 AM

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we don't want to store the credit card info. but we wanna achieve these two scenarios

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I can try payment processopr B, if stripe fails. This is like a fallabck
We let users top up their account. So, if their balance is low, we want to auto top uptheir account. This wil be done upon user enabling this feature wtihin our app

dreamy crow Jan 18, 2024, 5:50 AM

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I can try payment processopr B, if stripe fails. This is like a fallabck
This is not achievable since there is no raw card information can be shared to processor B. Stripe doesn't forward card data to other processors. You may consider using third party payment orchestration provider which helps to perform processor routing

We let users top up their account. So, if their balance is low, we want to auto top uptheir account. This wil be done upon user enabling this feature wtihin our app
What account are you referring to here? Are you using Connect? https://stripe.com/docs/connect/explore-connect-guide