aby_docs | Stripe Developers | Page 1

modern ventureBOT Jul 17, 2024, 8:47 AM

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deft horizonBOT Jul 17, 2024, 8:47 AM

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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.

aby_docs, 1 day ago, 20 messages

copper ridge Jul 17, 2024, 8:51 AM

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Hi, let me help you with this.

hushed hamlet Jul 17, 2024, 8:52 AM

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Thank you 🙂

copper ridge Jul 17, 2024, 8:52 AM

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You don't need to be PCI-compliant for that, you can use SetupIntents to save and reuse a PaymentMethod in the future: https://docs.stripe.com/payments/save-and-reuse

modern ventureBOT Jul 17, 2024, 8:53 AM

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hushed hamlet Jul 17, 2024, 8:53 AM

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I assume that first we would need to use that RAW card information we have to create one payment through Stripe, and then later on save that payment method for future usage in Stripe, so when we want to initiate the MIT, we have all the necessary data in Stripe, right?

copper ridge Jul 17, 2024, 8:54 AM

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The biggest problem with off-session payments is if 3DS is triggered. If you use SetupIntents when collecting the PaymentMethod, it minimizes the chances 3DS will pop-up when you try to charge this PaymentMethod in the future. However, the customer will need to be on-session to complete the initial 3DS, if needed.

hushed hamlet Jul 17, 2024, 9:05 AM

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Sure, thank you for that. But if I already have the data en my backend?

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I mean, we will collect the card information outside of Stripe, then first I should create a payment with that RAW card data information right?

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Or should I create the setupintent straight away?

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With the payment information I have, the card without CVV

random fern Jul 17, 2024, 9:08 AM

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👋 taking over for my colleague. Let me catch up.

hushed hamlet Jul 17, 2024, 9:09 AM

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Thanks

random fern Jul 17, 2024, 9:11 AM

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are you PCI-DSS compliant?

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oh sorry

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just read the initial message

hushed hamlet Jul 17, 2024, 9:14 AM

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No worries

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Basically I wanted to understand once we have the card details on our backend, how the process would look like until we are able to process a MIT

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I assume that with that card details I should pass that RAW card data through API to create one first payment in Stripe, then once that payment information is in Stripe, I can use those payment details to process future payments

random fern Jul 17, 2024, 9:16 AM

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so basically to answer your question you don't need to create the Payment Method first

hushed hamlet Jul 17, 2024, 9:16 AM

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So then I can initiate a MIT with just the card information we have on our backend?

random fern Jul 17, 2024, 9:17 AM

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yes

hushed hamlet Jul 17, 2024, 9:18 AM

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Even if we don't have the CVV?

random fern Jul 17, 2024, 9:18 AM

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can you collect CVV separately by your customer?

hushed hamlet Jul 17, 2024, 9:19 AM

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We have been told that we can initiate a MIT with the card information, (even without CVV) and by sending the ID of the previous transaction, that's why I understood that first there must be a previous transaction in Stripe before being able to initiate the MIT

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The flow we are working on right now, we were not thinking to collect the CVV, unless is totally necessary

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But I guess if it's needed, we could collect it when collecting the card details and store it as well in our backend

random fern Jul 17, 2024, 9:24 AM

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CVV or CVC is important for the issuing bank

hushed hamlet Jul 17, 2024, 9:25 AM

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Yes

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So then the payment will not work without that CVV?

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Sorry for so many questions but we are struggling with understanding what would be the flow we must follow

random fern Jul 17, 2024, 9:26 AM

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hushed hamlet So then the payment will not work without that CVV?

that's up to the issuing bank to decide

hushed hamlet Jul 17, 2024, 9:29 AM

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understood

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So then once Stripe checked that we are PCI compliant we should be able to process MIT with the information we have, right?

random fern Jul 17, 2024, 9:32 AM

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AFAIK I think so

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you just need to add the payment method data https://docs.stripe.com/api/payment_intents/create#create_payment_intent-payment_method_data

Create a PaymentIntent | Stripe API Reference

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

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when creating and confirming the PaymentIntent

hushed hamlet Jul 17, 2024, 9:35 AM

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Oh I see

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So it's just a normal payment intent but being us the ones who provide the card number

random fern Jul 17, 2024, 9:36 AM

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yes and you also need to mention that it is off_session: true

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since your customer isn't on_session

hushed hamlet Jul 17, 2024, 9:36 AM

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That is for avoiding 3DS to be triggered right?

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At least as much as possible

random fern Jul 17, 2024, 9:37 AM

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technically yes, but it's just to let the issuing bank know that you are doing an MIT transaction

hushed hamlet Jul 17, 2024, 9:37 AM

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Wonderful

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Then that's we were looking for

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Thank you very much for your patience

random fern Jul 17, 2024, 9:39 AM

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sure let me know if you need any more help

hushed hamlet Jul 17, 2024, 9:40 AM

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We will perform some testing and if we need help we will reach out.

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Thank you, appreciate your help!

random fern Jul 17, 2024, 9:42 AM

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sure thing

#aby_docs