nyxi_connect-paymentmethoddomain | Stripe Developers | Page 1

normal geyserBOT May 30, 2024, 4:58 PM

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gleaming hawkBOT May 30, 2024, 4:58 PM

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Below are links to other discussions we've had with you in the past week in case you want to review that information. If your question is related to one of these previous discussions, please provide a comprehensive summary of the current state and what you need help with now. We help many users simultaneously, so a summary allows us to resolve your issue as soon as possible.

nyxi_paymentmethod-multibanco, 17 hours ago, 32 messages
nyxi_docs, 1 day ago, 24 messages
nyxi_paymentelement-updates, 1 day ago, 37 messages
nyxi_automatic-payment-methods, 2 days ago, 91 messages
nyxi_docs, 6 days ago, 11 messages
nyxi_pi-autopms, 6 days ago, 62 messages

normal geyserBOT May 30, 2024, 4:58 PM

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halcyon halo May 30, 2024, 4:59 PM

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That's expected, there are separate domains for everyone so one for your platform and one for the connected account's own calls with their own API keys. Trust the API, don't use "view Dashboard as" for things like this

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nyxi_connect-paymentmethoddomain

frigid latch May 30, 2024, 5:00 PM

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Okay. Is there a way to globally enable the payment domains just for the platform (so I don't have to do this for each account)? I used to not have to do this, even for Apple Pay when using direct charges

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But Stripe Elements in the current config complains about the domain not being added

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Even though I load it with our platform public key

halcyon halo May 30, 2024, 5:05 PM

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No that's impossible and that worked exacly the same way for ApplePay since the day this launched

frigid latch May 30, 2024, 5:06 PM

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I probably just cloned the payment method from platform to connect for Apple Pay then

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because I know for sure I've processed thousands of Apple Pay in connect context but never did this domain dance

halcyon halo May 30, 2024, 5:08 PM

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yeah that has existed since early 2015.

frigid latch May 30, 2024, 5:10 PM

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Did you remove payment intents from the dash? I've looked for a good two minutes now and I can't find them

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I guess it's Transactions that lists payment intents?

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Sorry, I was looking at at completely wrong date range and I could only find processed payments 😄

halcyon halo May 30, 2024, 5:13 PM

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all good, the Dashboard UI changes always confuse me too 😂

frigid latch May 30, 2024, 5:14 PM

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The good old "users don't want change"

halcyon halo May 30, 2024, 5:15 PM

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yup

frigid latch May 30, 2024, 5:15 PM

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So this leads me to another question, actually. In our previous non-automatic-payment-method config, we only accepted card + mobilepay, and if the user chose card (a non-wallet one), we would save the card on the platform customer object, then clone it to the connected account and use it to pay then. This way, the user could save their card and reuse it any other time (with any connected account) when paying again later.

With the stripe elements approach, where I just use confirmPayment() and let the elements select payment mthod and what not, how can I save a card then?

halcyon halo May 30, 2024, 5:16 PM

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(I'll be right back, testing something)

frigid latch May 30, 2024, 5:16 PM

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no problem

normal geyserBOT May 30, 2024, 5:16 PM

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halcyon halo May 30, 2024, 5:18 PM

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Okay so just rewording your question to make sure I get it
Question: I am using Direct Charges, creating the PaymentIntent on the connected account and I would like to accept a card payment and save the card for future payments on the platform, is that possible?
Answer: Sadly it's impossible (assuming I got the question right)

frigid latch May 30, 2024, 5:21 PM

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Yes, I guess that is right

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That's unfortunate

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For this case we're doing right now, it's not important to save, but I wanted to move some other payment flows we have where there are a lot of repeat buyers, so having their card saved is good for conversion.

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Will have to reconsider then

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Suggestion, unrelated: Put a warning/info-box near the font sizes here, as they should not go below 16px on mobile for input fields. If you do, iOS will always zoom in on the text field, which is super annoying and cannot be turned off: https://docs.stripe.com/elements/appearance-api?platform=web#commonly-used-variables

halcyon halo May 30, 2024, 5:30 PM

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ah good point

frigid latch May 30, 2024, 5:30 PM

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Example

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I also cannot get bank* transfers to show up here, even though I enabled it in all places I can find for both the connected account and the platform's connected accounts' payment settings

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(I don't need it in this case, just curious to test it out)

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It seems it can only be enabled on the connected accounts directly, so I'm unsure what more I need to do.

halcyon halo May 30, 2024, 5:36 PM

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Do you have an exact PaymentIntent where it doesn't appear?

frigid latch May 30, 2024, 5:36 PM

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Yes hold on

halcyon halo May 30, 2024, 5:36 PM

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Did you attach an existing Customer to it? If not, that's expected

frigid latch May 30, 2024, 5:36 PM

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aha ok it needs a customer

halcyon halo May 30, 2024, 5:37 PM

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see https://docs.stripe.com/payments/bank-transfers/accept-a-payment?payment-ui=elements#element-create-a-customer

frigid latch May 30, 2024, 5:37 PM

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Makes sense

halcyon halo May 30, 2024, 5:37 PM

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I only know because I spent an hour debugging why I couldn't see it either while complaining to my team and we found the doc saying so 😂

frigid latch May 30, 2024, 5:37 PM

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Haha. I guess I just assumed it would reconcile it on the payment intent directly without a customer object

halcyon halo May 30, 2024, 5:38 PM

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yeah we could but then you'd get a new VBAN each time which could be super costly or cause issues

frigid latch May 30, 2024, 5:38 PM

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You get an IBAN per customer?

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Or VBAN, which I assume is virtual IBAN?

halcyon halo May 30, 2024, 5:39 PM

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yes

frigid latch May 30, 2024, 5:39 PM

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I am very keen to move our platform payments (for our product) to bank transfers, as we have a lot of problems with credit cards, especially because the payments are sometimes fairly large

halcyon halo May 30, 2024, 5:39 PM

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that's how you can do recurring payments where they just send the money to the same bank account for example

frigid latch May 30, 2024, 5:40 PM

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Yeah right now we do manual bank transfers and I go into stripe and mark teh invoices as paid

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which is alot of work

halcyon halo May 30, 2024, 5:40 PM

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yeah I bet

frigid latch May 30, 2024, 5:40 PM

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For some of the bigger clients that don't want or can't pay with credit card

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Upside is I pay no fee to stripe, hehe

halcyon halo May 30, 2024, 5:41 PM

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seems like a downside to me 😂

frigid latch May 30, 2024, 5:42 PM

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It's not an insignificant amount of money though. If you charge both for the transactions (which to be fair, the bank also does, but we usually just put that fee on the payee) and the extra percent or whatever it is for the "Billing" product.

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It may not be worth it

halcyon halo May 30, 2024, 5:44 PM

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yeah that's fair, the fee is not as high for bank transfers though right? https://stripe.compricing/local-payment-methods

frigid latch May 30, 2024, 5:44 PM

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that's SEPA bank transfer right?

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because that's capped at like 4.5 EUR per transaction

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which is reasonable

halcyon halo May 30, 2024, 5:46 PM

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yeah that's what I meant. It's not "cheap" but it's definitely cheaper than our card pricing since there's a cap

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my bank charges me $30 for an outgoing wire transfer for example as a consumer

frigid latch May 30, 2024, 5:47 PM

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halcyon halo my bank charges me $30 for an outgoing wire transfer for example as a consumer

But that's theft, let's be real

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😄

halcyon halo May 30, 2024, 5:48 PM

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I mean I don't disagree 😂

frigid latch May 30, 2024, 5:48 PM

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But I will still be charged the Billing product percentage on top of the fee, yes?

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for bank transfer

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it's 0.5%

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I think? Can you check if we're on scale or starter? acct_17xDxxL7ilRdQXxE

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It may be grandfathered in from some previous price level because the account is so old

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I could speculate in just adding an "administrative fee" to cover the cost while keeping it automated. It's still allowed when it's not a card payment.

halcyon halo May 30, 2024, 5:55 PM

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I can't check sorry I know nothing about pricing

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you could still do a one-time payment separate from the Invoice if you wanted to avoid that fee

frigid latch May 30, 2024, 5:55 PM

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okay cool

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Hmm. It's all hooked up on the subscription logic already, just using cards or me marking the invoices paid manually

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So I'd have to build all that myself if I wanted to do normal charges without Billing

halcyon halo May 30, 2024, 5:57 PM

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yup but you already do for bank transfers today

frigid latch May 30, 2024, 5:57 PM

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I still rely on the generated invoices, sent out by billing, I just mark them paid manually

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Not sure I follow what you mean

halcyon halo May 30, 2024, 6:01 PM

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How do you get your end customer to pay you? You must be sending your own email saying "pay me on my bank account, ignore the Stripe Invoice" right?

frigid latch May 30, 2024, 6:06 PM

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halcyon halo How do you get your end customer to pay you? You must be sending your own email ...

We attach the bank info to the Stripe PDF

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then just grab that invoice and send it out from our own mail system

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so stripe does all the pricing logic, scheduling, proration, discount etc

halcyon halo May 30, 2024, 6:07 PM

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how do you attach the bank info?

frigid latch May 30, 2024, 6:07 PM

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custom_fields

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on the invoice.created webhook

halcyon halo May 30, 2024, 6:08 PM

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so you could totally do that and attach the Stripe VBAN instead of a PaymentIntent you'd create in that case right?

frigid latch May 30, 2024, 6:08 PM

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So you suggest just having the incoming payment cover outstanding invoices automatically?

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How is that different from what Stripe already does for me if I just used billing "like it was meant to" ?

halcyon halo May 30, 2024, 6:09 PM

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Sorry this seems so clear in my head

frigid latch May 30, 2024, 6:09 PM

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I never did bank transfers on stripe, I'm sorry 😄

halcyon halo May 30, 2024, 6:10 PM

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You are currently using your bank, get a wire transfer and then mark as paid in Stripe.
I am saying: do exactly the same flow, but instead of using your bank, create a PaymentIntent in your Stripe account for that Invoice (with your own code). And when you get that PaymentIntent paid, mark the Invoice as paid.
Exactly the same as before but the wire transfer goes to Stripe

frigid latch May 30, 2024, 6:10 PM

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But wouldn't that... mean the same amount of work? I wanted to not have to go in and manually mark invoices as paid

halcyon halo May 30, 2024, 6:11 PM

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I mean you would write code to do this. You wouldn't do it manually as a human

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Listen for payment_intent.succeeded, look up the real Invoice id in metadata you'd have set when it's created, mark it as paid.

frigid latch May 30, 2024, 6:12 PM

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Okay, that's what I mean with

frigid latch May 30, 2024, 6:12 PM

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frigid latch So you suggest just having the incoming payment cover outstanding invoices autom...

this

halcyon halo May 30, 2024, 6:12 PM

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yeah I wasn't sure what those words meant

frigid latch May 30, 2024, 6:13 PM

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okay, but yes, I could do that I guess

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Our bank is ancient. All I get is a CSV (which I have to log in and download to get) and it only has date, amount paid,message

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so I parse that and search for invoices, then mark them as paid if the value matches

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which works well, but it's a hackjob

halcyon halo May 30, 2024, 6:15 PM

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yep that's what I assumed since it's common and so using it on Stripe would help even if you do the extra PI as a dance

frigid latch May 30, 2024, 6:15 PM

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I think having a VBAN for each customer is going to be a pain for some of the bigger companies though

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they have maybe like 40 accounts which get invoiced to the same parent company

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and they process all the invoices manually to our single bank account

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not sure how they would react if our business ID suddenly has 40 different bank accounts

halcyon halo May 30, 2024, 6:16 PM

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ah yeah that wouldn't work in that case 😦

frigid latch May 30, 2024, 6:17 PM

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I mean it is a "their problem" though

halcyon halo May 30, 2024, 6:18 PM

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lol fair but you're going to constantly get wire transfers to the wrong VBAN
I guess you could have a separate Customer for a stable VBAN and then move the money to the right one to reconcile the funds but that doesn't sound fun

frigid latch May 30, 2024, 6:20 PM

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halcyon halo lol fair but you're going to constantly get wire transfers to the wrong VBAN I g...

Could this not still be solved with metadata?

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I guess incoming transfers dont have metadata

halcyon halo May 30, 2024, 6:20 PM

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Oh it can all be solved. Just at this point it seems as much work as what you already have :p

frigid latch May 30, 2024, 6:20 PM

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(that I control)

halcyon halo May 30, 2024, 6:20 PM

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You could do a custom reference when they pay the Invoice but users will be users so if they send you 1000€ twice in a row, you'll have to guess

frigid latch May 30, 2024, 6:21 PM

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Keep the money, generate a new invoice

halcyon halo May 30, 2024, 6:21 PM

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and if they under/overpay (really common too) it's also a lot of work to find which Invoice it was paid for

frigid latch May 30, 2024, 6:21 PM

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problem solved

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😄

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can I debit their accounts instead, somehow?

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with this ? https://docs.stripe.com/payments/sepa-debit

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10k EUR limit is too low though

halcyon halo May 30, 2024, 6:22 PM

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you can negotiate higher limits, especially with your history on Stripe. You'd ask our support team: https://support.stripe.com/contact/email

frigid latch May 30, 2024, 6:24 PM

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This could work though

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And I can still just add a fee for it, if I want to avoid the 0.5% thing

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Which I already pay on all the card payments anyway

halcyon halo May 30, 2024, 6:24 PM

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for sure!

frigid latch May 30, 2024, 6:25 PM

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I'll think about it

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for now my handy script does the job

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Gotta go. Bye for now

#nyxi_connect-paymentmethoddomain