#cardouken_docs
gaunt schoonerBOT
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lusty delta
hi there!
muted rune
hey
lusty delta
so you are talking about live mode declines with Apple Pay payment methods?
can you share a specific PaymentIntent ID (pi_xxx) that was declined?
muted rune
sure, here's one: pi_3QAREpLg39QVbFmi2AUi7fx8
basically it's just a theory right now but we have a lot of DO_NOT_HONOR declines with apple pay visa payment methods and most of them seem to be following a pattern where the initial payment was for $0 which is when we set up a setupintent for off session payments later (3-4 weeks later)
the docs mention that a setup intent confirmation initiates a $0 CIT but I'm not sure if that's happening or how I could confirm it's actually the case
since no charge is created if the initial payment amount is $0
gaunt schoonerBOT
muted rune
setupintents are being confirmed when we create them, but I'm not able to find out whether the $0 validation happens or if that's something that's just being done in the background by Stripe each time or not. note that we create the setup intent with one-off payments, not subscriptions.
so far I went ahead and enabled radar rules for setup intents as well hoping this might maybe fix part of the issue
fresh basin
Hey! Taking over for my colleague. According to that PaymentIntent, the bank issuer declined the payment.
And the customer needs to reach out to their bank for more information on why the charge was declined
If you want to narrow more your decline rates... I invite you to reach out to Stripe Support at https://support.stripe.com/contact, my team don't know much about declines.
Sorry, but this channel is for technical integration questions only.
muted rune
hey @fresh basin, yeah, I'm just a bit concerned that there might be some issue with the cryptogram expiry because this is mainly happening with visa cards using apple pay where the initial payment was $0
yes, this is a technical question, sorry if I phrased it wrong
my question is whether there's anything specific we should be doing to create the $0 CIT validation if we're not using payment intents, specifically related to apple pay
fresh basin
my question is whether there's anything specific we should be doing to create the $0 CIT validation if we're not using payment intents, specifically related to apple pay
You mean setupintent ?
muted rune
the docs state:
You can initiate a CIT for your Tokens API integration in either of the following ways:
Create a SetupIntent as described in the free trial scenario to initiate a 0 USD validation that creates a reusable DPAN (or MPAN) based payment method for off-session payments.
Create a PaymentIntent with setup_future_usage=off_session.
and
You can also create a SetupIntent directly to save the Apple Pay PaymentMethod for future usage. SetupIntent confirmation initiates the same CIT 0 USD validation to consume the cryptogram.
and i'm not sure if this part is done automatically or not: SetupIntent confirmation initiates the same CIT 0 USD validation to consume the cryptogram.
muted rune
> my question is whether there's anything specific we should be doing to create ...
yes. setup intents are working fine for all other usecases for deferred payments but the 0 USD CIT is throwing me off since it's not clear anywhere in the request/response logs whether that's actually happening and if we need to do anything further for apple pay when creating setup intents with $0 charges or not. it doesn't seem to happen when the initial payment was greater than $0
fresh basin
Could you please share the guide you are referring to? to make sure I'm following the exact part
fresh basin
Cool thanks!
and i'm not sure if this part is done automatically or not: SetupIntent confirmation initiates the same CIT 0 USD validation to consume the cryptogram.
Yes, you need just to create the SetupIntent and confirm it
muted rune
ok, this is already happening and seems to be working fine so I guess i'm back to square 1 with finding out why it's only happening with apple pay using visa cards and $0 initial payment 😦
fresh basin
Try requesting merchant token:
https://docs.stripe.com/payments/save-and-reuse?platform=web&ui=elements#request-apple-pay-merchant-token
If you are using it for recurring payment:
https://docs.stripe.com/js/elements_object/create_payment_element#payment_element_create-options-applePay-recurringPaymentRequest