#tulliaglaeser_api
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quartz ember
Hmm, there's no way to really predict declines like insufficient funds etc. You can verify a card is valid via a Setup Intent, yes
karmic temple
The Setup intent would be able to tell me if there is a problem with the payment method, such as expired card or invalid ? Just not for the insufficient funds ? Which part of the setup Intent object can tell me this ?
quartz ember
The 'confirmation' attempt of the intent would succeed, and you'd have a pm_xxx object you can actually attempt to charge. See: https://docs.stripe.com/payments/save-and-reuse?platform=web
karmic temple
But actually my customer would already have created all his payment methods. I don't want to create any new payment methods. I just want to verify that his created payment methods are still valid when he asks for the downgrade, ie. that they haven't expired, no longer have insufficient funds, or for example are no longer valid because the card has been stolen or for whatever reason
quartz ember
There's no real way to do that other than attempt to charge them
karmic temple
Because if I allow him to downgrade without checking, then potentially in 1 month I am supposed to downgrade him but I don't and he doesn't know why
quartz ember
Well we'd still attempt the downgrade (i.e. perform the update, generate the invoice, attempt payment, etc). If in the scenario the downgrade payment fails, then you can use recovery mechanisms to bring the user back on-session to pay the invoice
quartz ember
yes, but we could not foresee the failure
Unfortunately not no. You just need to account for them in your integration and build recovery systems. FWIW we can also send emails in those scenarios: https://docs.stripe.com/billing/revenue-recovery/customer-emails
karmic temple
ok, thanks