sreekanth_api

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• sreekanth_api, 1 day ago, 80 messages
• sreekanth_api, 2 days ago, 46 messages

[grim sparrow]

hi

for customers we are showing saved cards in the ui to select existing card to make payment... we are handling the payment with const paymentIntent = await stripe.paymentIntents.create({
amount: req?.body?.amount * 100,
currency: "GBP",
payment_method: req?.body?.paymentMethod,
customer: req?.body?.customerId,
off_session: true,
confirm: true
});

for some card error is coming as last_payment_error: {
charge: 'ch_3P9068JKyfLg4PX00d3ZbBcT',
code: 'authentication_required',
decline_code: 'authentication_required',
doc_url: 'https://stripe.com/docs/error-codes/authentication-required',
message: 'Your card was declined. This transaction requires authentication.',
payment_method: [Object],
type: 'card_error'
},

how to handle this in backend ?

[azure leaf]

You are charging them correctly, using confirm: true and off_session: true. It's just that the issuer bank declined this transaction. How did you collect this Payment Method Id ?

Using SetupIntent?

[grim sparrow]

no, based on customerid we are fetching

we are adding customer and his card details before payment... to the stripe

During signup, we collect the user's card details. When the user wants to make a payment, we present their saved cards using a custom UI. The user can then select one of their saved cards and proceed with the payment.

[azure leaf]

I see. When you collect the user's card via signup, how did you do that?

I think you are using Card Element. It's not well suited for 3DS

You would want to change to the SetupIntent flow and Payment Element

[grim sparrow]

const token = await stripe.tokens.create({
card: {

    number: req.body['card[number]'],
    exp_month: req.body['card[exp_month]'],
    exp_year: req.body['card[exp_year]'],
    cvc: req.body['card[cvc]'],
    name: req.body.cardholder_name,

  },
});


console.log("card token", token);

const customer = await stripe.customers.create({
  name: req.body.cardholder_name,
  email: req.body.email

  // source: token // Specify the source parameter with the card token
});
const card = await stripe.customers.createSource(
  customer.id,
  { source: token.id }
);


console.log("carddetails",card);
const updatedCustomer = await stripe.customers.update(customer.id, {
  invoice_settings: {
    default_payment_method: card.id
  }
})


res.json({
  message: "customer creates successfull",
  success: true, customer: updatedCustomer,
  card: card
});

[azure leaf]

Yes this is Token and Source, which doesn't support 3DS

Please look at PaymentElement + SetupIntent https://docs.stripe.com/payments/save-and-reuse?platform=web

[grim sparrow]

okay thanks, let me check this

here user can setup his cards details during setupintent flow?

here how can we charge customers with already saved cards with custom ui ?

[azure leaf]

Yes, and you will have the Payment Method Id inside the confirmed SetupIntent

then do the same thing you are doing

[grim sparrow]

We have other flows where users can add cards without using setup intents. If we implement this setup intent for adding cards, will it affect those flows if we integrate this ?

[wild jungle]

no, but you should change those flows to use SetupIntents.

[grim sparrow]

is there another method to determine if a card requires authentication for payment?

so, that we will not show those cards in the custom ui, he can pay using payment elements with payment intent

[wild jungle]

no

you can't know this upfront.
you should always be using a compliant integration that supports 3D Secure.

[grim sparrow]

if card needs authentication?. how it will work for subscription ?

it will ask for authentication only for first time ?