miriam_45533 | Stripe Developers | Page 1

wispy crescentBOT Feb 20, 2024, 8:23 AM

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wispy sapphire Feb 20, 2024, 8:24 AM

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This channel is for technical integration questions. Feel free to share your questions and their details here if they are technical integration related

coarse narwhal Feb 20, 2024, 8:28 AM

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i think so. here they are (reposting the questions i have sent to our point of contact):

Its about the refund process with Stripe. We tested it today in test mode and noticed that some points i would like to confirm with you

When we issued the test refund, we received an email from Stripe asking about the users IBAN in order to issue the refund. Is this the default process?
If yes, is it possible to have a Jimdo branding (colours, logo) in this email to increase trust in the email? Also, there are some texts on this page which suggests to the user to get in touch with Jimdo via mentioned communication channels. We would need to adapt this text as well.
What is your general user experience with this process? Do users enter their bank account details as requested or is this often perceived as spam? I am concerned about users referring back to our Support Team to check whether this is a valid email.
Unfortunately, when testing, we were not able to process the refund completely by the "Continue" CTA but ended up in a loop. (We entered a valid IBAN and confirmed, but got stuck in the process

wispy sapphire Feb 20, 2024, 8:30 AM

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Can you share the example Payment Intent ID (pi_xxx), so that I can look into it futher?

coarse narwhal Feb 20, 2024, 8:33 AM

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checking

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"payment_intent": "pi_3OJz7m4vG9wHqMiB1NVjQbxt",

wispy sapphire Feb 20, 2024, 8:50 AM

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When we issued the test refund, we received an email from Stripe asking about the users IBAN in order to issue the refund. Is this the default process?
Stripe will attempt to refund the original bank account. If the customer’s bank can’t successfully complete the transfer, the funds are returned to Stripe and the refund transitions to requires_action. This can happen if the account holder’s name doesn’t match what the recipient bank has on file or if the provided bank account number has a typo. In these cases, Stripe emails the customer to inform them of the failure and to request that they resubmit their bank account details.

Here's the details about the refund of bank transfers: https://docs.stripe.com/payments/customer-balance/refunding

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For the remaining questions, I'm afraid I don't have the necessary expertise as this channel is for API integration questions

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Our support https://support.stripe.com/contact will be able to help

Stripe: Help & Support

Find help and support for Stripe. Our support site provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

coarse narwhal Feb 20, 2024, 8:54 AM

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thank you, we will have look at the provided documentation.

I have one more question on the payment reference Stripe provides with the VBAN. Is the payment reference used in the payment matching process at all? We would like to "hide" Stripes payment reference and display a customized one (which won't be necessary for the payment matching, but its more meaningful to users and will allow us to improve user communication around bank transfer payments on our end).

wispy crescentBOT Feb 20, 2024, 9:04 AM

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west gorge Feb 20, 2024, 9:07 AM

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Hey! Taking over for my colleague. Let me catch up.

coarse narwhal Feb 20, 2024, 9:09 AM

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Thank you 🙂

west gorge Feb 20, 2024, 9:13 AM

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Is the payment reference used in the payment matching process at all?
I'm not sure I understand what you mean by this question ?

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We would like to "hide" Stripes payment reference and display
Where you want to hide and show other reference ?

coarse narwhal Feb 20, 2024, 9:15 AM

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I will sent a screenshot, one moment

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This screenshot is taken from one of our test payment instructions with Stripe bank transfers. Its in german (sorry) but you can see the VBAN and the payment reference starting with GVXXXX. I would like to understand if the payment reference is used by Stripe in the payment matching process or if we can remove it from the payment instructions page.

Bildschirmfoto_2024-02-20_um_10.17.06.png

west gorge Feb 20, 2024, 9:21 AM

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Can you share the related PaymentIntent Id of that transaction ?

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You can update the statement descriptor of your Stripe Account in your Dashboard Settings:
https://support.stripe.com/questions/update-business-name-shown-on-customer-bank-statements

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But this looks like a reference generated somehow.

coarse narwhal Feb 20, 2024, 9:26 AM

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yes, this reference gets returned from Stripe

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it is not a statement descriptor

west gorge Feb 20, 2024, 9:30 AM

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Can you share the PaymentIntent id ?

coarse narwhal Feb 20, 2024, 9:30 AM

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pi_3OeIiI4vG9wHqMiB05kpvoqP

west gorge Feb 20, 2024, 9:31 AM

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thanks checking...

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The reference is provided by Stripe, it's unique, and your customer need to include it in each transfer

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in order to match the transfer easielly

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https://docs.stripe.com/payments/bank-transfers/accept-a-payment#:~:text=Stripe also provides you with a unique transfer reference number that your customer should include with each transfer to make it easier to match the transfer against outstanding payments

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So you can't provide a custom reference by your side

coarse narwhal Feb 20, 2024, 9:35 AM

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We were told that the payment matching happens on the IBAN which is also unique

west gorge Feb 20, 2024, 9:36 AM

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Yes in some country you need the reference too.

coarse narwhal Feb 20, 2024, 9:37 AM

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Do i understand corretly that in some countries the paymetn refernece is obsolet, in others mandatory?

west gorge Feb 20, 2024, 9:39 AM

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What I'm sure about is that you can't provide a custom reference by your end. However, I'm not sure honestly about the mandatory part regarding each Country, you can double check with Stripe Support regarding this https://support.stripe.com/contact as this channel is for technical integration question only.

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