gloomy arrowBOT Feb 28, 2024, 8:01 PM

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gloomy arrow · 2024-02-28T20:01:08.030Z

rubens-nobre_code | Stripe Developers | Page 1

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tawdry wolfBOT Feb 28, 2024, 8:01 PM

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delicate lance Feb 28, 2024, 8:02 PM

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Hello

civic fractal Feb 28, 2024, 8:02 PM

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Hi

delicate lance Feb 28, 2024, 8:02 PM

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If you are using Card Element here then you control the UI that displays the amount and you control the currency you set when you create your PaymentIntent: https://docs.stripe.com/api/payment_intents/create#create_payment_intent-currency

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So really this is all possible, yes, and you just have to write your own logic for it.

civic fractal Feb 28, 2024, 8:03 PM

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ok. but the API, can retrieve the current Currency conversion?

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Or I'll have to setup a price for each currency?

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Cus for now, I just have two prices for my product.
If my customer are in Brazil I show price in BRL.
if not I show the price in USD.

delicate lance Feb 28, 2024, 8:05 PM

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No you would have to handle the currency conversion yourself. We don't have an API that provides that information.

civic fractal Feb 28, 2024, 8:05 PM

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But some other countries are facing errors, most of them related to debit cards.

delicate lance Feb 28, 2024, 8:06 PM

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Would need more details to be able to help with that.

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What errors exactly?

civic fractal Feb 28, 2024, 8:07 PM

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I think that If a price is in USD, but the 'debit' card is from a user from 'Colombia' (for example), USD is not a valid currency in that country.

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So It will alwasy fail... am I right?

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cus is DEBIT

delicate lance Feb 28, 2024, 8:08 PM

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No, generally the issuing bank would convert the presentment amount to their local currency in that case and the customer would pay a conversion fee.

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But really that is up to the bank.

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We can't say for sure.

civic fractal Feb 28, 2024, 8:09 PM

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All my debit cards, is failing payments.. So I did a code do avoid and deny debit cards on my side.

delicate lance Feb 28, 2024, 8:10 PM

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What does "failing" mean though?

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Do you see a specific decline?

civic fractal Feb 28, 2024, 8:11 PM

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pi_3OlHLEChHlHBFg3w0SultdpR

delicate lance Feb 28, 2024, 8:12 PM

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Yeah that is just a generic do_not_honor decline from the issuing bank. So the only way to know 100% why it was declined is for the card holder to reach out to the issuing bank and ask them.

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We don't have any more information than that.

civic fractal Feb 28, 2024, 8:13 PM

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So. this is a kind of regular error. So I think that is not good for me, enable debit cards, cus users will start their free trial period and them I'll have the payment blocked.

delicate lance Feb 28, 2024, 8:13 PM

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If you collect cards ahead of time are you using a SetupIntent to properly set them up for future use?

civic fractal Feb 28, 2024, 8:14 PM

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Yes...

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even if.

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Cus most of banks till now... is not accepting a debit card for a susbcription

delicate lance Feb 28, 2024, 8:14 PM

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Okay then you are already doing everything you should. If you want to block debit cards that is your prerogative.

civic fractal Feb 28, 2024, 8:15 PM

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Do you know if other users can use debit cards for a Subscription model?

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selling globally I mean.

delicate lance Feb 28, 2024, 8:16 PM

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Sure, though I do believe debit cards have a higher decline rate overall than credit cards.

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Unfortunately I can't help you any further here. If you want to discuss declines you should reach out to our Support team via https://support.stripe.com/contact/login and chat with them. I've already confirmed your integration is set up correctly.

civic fractal Feb 28, 2024, 8:24 PM

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Did you check my integration, and SetupIntent is correctly being created??

delicate lance Feb 28, 2024, 8:25 PM

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Yes

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Ah actually you are attaching the PaymentMethod ahead of the SetupIntent from the Subscription

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But then it runs on your Subscription creation, see: https://dashboard.stripe.com/events/evt_1Oij38ChHlHBFg3wduw6ihYq

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So same thing really. The flow still validates the card.

civic fractal Feb 28, 2024, 8:26 PM

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I do a first call to check the kind of card. if is Credit or Not

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`const { paymentMethod, error: paymentMethodError } = await stripe.createPaymentMethod({
type: 'card',
card: cardElement,
billing_details: {
name: name,
email: email,
},
});

if (paymentMethodError) {
console.log('Erro ao criar método de pagamento:', paymentMethodError);
error_log(
JSON.stringify(paymentMethodError),
'_createCardToPay paymentMethodError',
JSON.stringify({
user_email: email,
customerId: customerId,
})
);
return null;
}

// Verifica se o tipo de financiamento é 'credit'
if (paymentMethod.card?.funding !== 'credit') {
console.error('Apenas cartões de crédito são aceitos.');
return "debito";
}`

delicate lance Feb 28, 2024, 8:29 PM

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Yeah that's fine.

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That works in terms of blocking debit cards

civic fractal Feb 28, 2024, 8:30 PM

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I only approve payments if funding is CREDIT.
But I'm not sure, if ALL kinds of credit cards returns 'credit'

delicate lance Feb 28, 2024, 8:30 PM

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No, debit cards would have funding: debit

civic fractal Feb 28, 2024, 8:30 PM

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Sure... but I'm declining, all that !== 'credit'

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is this correct?

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or it's better to do a if === 'debit' ???

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You got my point? There are how many responses for card.funding?

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I've found.

funding
string
Card funding type. Can be credit, debit, prepaid, or unknown.

delicate lance Feb 28, 2024, 8:33 PM

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Oh you are asking if there are multiple. Yeah there are things like prepaid

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Yep

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https://docs.stripe.com/api/payment_methods/object#payment_method_object-card-funding

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So depends on what you want really

civic fractal Feb 28, 2024, 8:33 PM

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So Pre-paid is a kind of Debit or Credit card? you know?

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Can a Card return 'unknow', and be a credit card?

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cus my curret code is blocking all payments that do not return 'credit', mays this is not the best approach.

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That kind of temporary credit card numbers, created from a lot of new digital banks...
Do you know if it returns 'credit' too?

delicate lance Feb 28, 2024, 8:36 PM

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prepaid is generally cards issued with a specific amount that aren't tied to a specific bank account (like a debit card).

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I don't know what the temporary credit card number cards are typically labeled as -- I'd recommend reaching out to our Support team about that and they should be able to track down that information.

civic fractal Feb 28, 2024, 8:37 PM

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ok. but you think that a pre-paid card have the same behaviour of a debit-card?

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If a bank deny a debit card, probably will deny a pre-paid too?

delicate lance Feb 28, 2024, 8:38 PM

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Can't say.

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Completely up to the bank.

civic fractal Feb 28, 2024, 8:40 PM

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mm, ok.
I think I'll do a try with a === 'debit'.
allowing all others to be accepted... and check what happens when I get a pre-paid or unknow funding

delicate lance Feb 28, 2024, 8:41 PM

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👍

civic fractal Feb 28, 2024, 8:41 PM

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So, thanks... have a nice night!

#rubens-nobre_code

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