#thunderbuddy_api
eager totemBOT
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open pondBOT
unique cedar
Hi there 👋 what do you mean by "verification/authentication" here?
In general, as mentioned here, the best approach for this is to setup the card for future usage:
https://support.stripe.com/questions/check-if-a-card-is-valid-without-a-charge
https://docs.stripe.com/payments/save-and-reuse
eager totemBOT
frank sequoia
Ya, but we won't ever be using the card on Stripe. We just need to verify that the card is valid and can be used. By "verification/authentication" i mean:
Verification: Confirming that the credit/debit card number is valid and structurally correct, typically using the Luhn algorithm.
Authentication: Ensuring that the card details (number, expiration date, CVV) are correct and match the records with the card issuer, confirming that the card is active and not flagged for any issues (e.g., stolen, expired).
I know I can essentially do what I'm looking for with Stripe via set up payment intent, but we won't ever actually be using the card on Stripe, we just need to verify it and I just wanted to check that this won't negatively impact my Stripe account.
unique cedar
If you're never going to charge the card, why do you need to validate it? That's a pattern card networks frown upon.
ornate zephyr
Hello 👋
Taking over as toby needs to step away
are you asking about this? https://docs.stripe.com/payments/vault-and-forward
frank sequoia
So we're a lending platform that works with various lenders (Synchrony, Wells Fargo and many more). We collect the data and then send that data to various lenders/providers.
Some of these providers require debit/credit card information. We would like to prevent any potential card issues by verifying the card first on our end before sending them to our partners.
@ornate zephyr yes, this looks like an excellent product. However, we have direct API integrations with many of these providers (over 30 at this point) and I have yet to see any of their APIs request tokenization of credit/debit card information.
However, it's not something I have asked either. I'm assuming our partner would have to have a Stripe account and setup and enpoint to receive the card information if we were to use this?
ornate zephyr
I think you'd need to clarify the usecase first.. When you say "our partner"/providers, would they have their own payment processor? If so, the doc I shared is what you'd need..
If your usecase is more or so about Stripe connect (where your partners are Stripe connected accounts) then that's different.
frank sequoia
Our partners have their own payment processor and card validations. We simply pass the information over.
So if we were to forwar card details, then we would need to implement Stripes frontent JS SDK to capture the information for tokenization? Would it be possible to tokenize card information at the API layer?
ornate zephyr
Would it be possible to tokenize card information at the API layer?
It may be possible but not something my team knows much about.. This requires PCI compliance and there's an approval process too.. I'd recommend working with our support team to understand the full requirements as they're experts on this:
https://support.stripe.com/?contact=true
frank sequoia
Ok, we are PCI, HIPAA and SOC2 compliant. I'll reach out. Thanks for your help!
Would I reach out to the sales team?
ornate zephyr
Hmm I'm not sure.
I think you can use the contact us link from this page: https://docs.stripe.com/payments/vault-and-forward
frank sequoia
I'm talking with the chatbot and I don't see a clear path to speak to someone that mgiht know
ornate zephyr
frank sequoia
Is there an ID to this support ticket that I can use to pass this convo along to them?