gaurav_best-practices | Stripe Developers | Page 1

slate mortarBOT Nov 18, 2024, 9:09 AM

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astral cedar Nov 18, 2024, 9:10 AM

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hi there!

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we are using the Create a Card API,
what do you mean by this exactly?

magic slate Nov 18, 2024, 9:11 AM

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https://docs.stripe.com/api/cards/create

Create a card | 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.

astral cedar Nov 18, 2024, 9:11 AM

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so you mean "create Payment Method" API.

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how are you accepting payments? Checkout Session, Payment Element, something else?

magic slate Nov 18, 2024, 9:11 AM

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no, we are not using Checkout Session, Payment Element

astral cedar Nov 18, 2024, 9:12 AM

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so how are you collecting the card information from the user?

magic slate Nov 18, 2024, 9:12 AM

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yes

astral cedar Nov 18, 2024, 9:12 AM

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you send the raw card numbers directly to Stripe?

magic slate Nov 18, 2024, 9:12 AM

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we are PCI compliant

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yes

astral cedar Nov 18, 2024, 9:12 AM

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oh, I see.

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creating a Payment Method doesn't trigger a card validation, so no 3DS will be trigger at that time. but then if you try to attach the payment method to a customer, or try to charge the customer, then 3DS may happen. it's completely up to the bank. so your intregration should handle 3DS.

magic slate Nov 18, 2024, 9:14 AM

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yes currently we are using this, but for non 3ds and payment intent flow for 3ds

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so now wanted to use payment intent for both 3ds & non 3ds

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bascially we have a prefence at our end if mercant select non 3ds then we use creating a Payment Method otherwise intent flow

astral cedar Nov 18, 2024, 9:17 AM

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I'm not sure I follow. when using PaymentIntent, you may or may not get 3DS, it's completely up to the bank to decide.

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you should use the same flow for all cards, and then it's up to the bank to ask 3DS or not.

magic slate Nov 18, 2024, 9:17 AM

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ok,

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also for payment method addition flow where no amount collection is required, so what flow we should follow.
I mean customer can login to our app and simply add a payment method in their account which we will be using for future off_session txn

astral cedar Nov 18, 2024, 9:20 AM

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you want a save a card for later use, while sending the raw card numbers to Stripe?

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if so, you would create the Payment Method, then attach it to a customer with a SetupIntent.

magic slate Nov 18, 2024, 9:21 AM

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yes

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and want to avoid 3ds in future

astral cedar Nov 18, 2024, 9:21 AM

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that is not possible

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again, it's completely up to the bank

magic slate Nov 18, 2024, 9:21 AM

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ok so what flow you recommend ?

astral cedar Nov 18, 2024, 9:23 AM

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the recommendation is that when you make a payment and you get status: requires_action (3DS is requested), you tell your user to come back to your website/app, and re-confirm the PaymentIntent on the frontend so they can complete the 3DS flow.

magic slate Nov 18, 2024, 9:24 AM

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ok, but I don't want customer to come again

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I want to trigger 3ds if needed at the time of card addition itself

astral cedar Nov 18, 2024, 9:25 AM

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I want to trigger 3ds if needed at the time of card addition itself
that's not possible

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ok, but I don't want customer to come again
then you won't be able to charge that customer when 3DS is requested.

magic slate Nov 18, 2024, 9:25 AM

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no, I think it's possible

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people are using this flow

astral cedar Nov 18, 2024, 9:25 AM

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maybe you mean placing a hold on the card?

magic slate Nov 18, 2024, 9:26 AM

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no, can we use payment intent or setup intent for this?

astral cedar Nov 18, 2024, 9:26 AM

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for what?

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SetupIntent is to save a card for later. PaymentIntent is to charge the card now.

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both may or may not trigger 3DS.

magic slate Nov 18, 2024, 9:26 AM

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to add a paymnent method with 3ds if required

astral cedar Nov 18, 2024, 9:27 AM

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yes, if you want to save a PaymentMethod for later use, then use a SetupIntent as explained earlier. And 3DS may or may not be triggered at this point.

magic slate Nov 18, 2024, 9:28 AM

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ok,

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and can we create a SetupIntent and charge an amount immediatly ?

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like during signup I can collect card details and after 2-3 minutes during subscription purchase, I can charge via saved payment method

astral cedar Nov 18, 2024, 9:30 AM

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and can we create a SetupIntent and charge an amount immediatly ?
no, in this case it would be a PaymentIntent with setup_future_usage set: https://docs.stripe.com/api/payment_intents/create?lang=go#create_payment_intent-setup_future_usage

magic slate Nov 18, 2024, 9:32 AM

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ok,but during signup, I don't know which plan customer will select

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so I can't create payment intent because I need to provide exact amount right?

astral cedar Nov 18, 2024, 9:33 AM

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correct

magic slate Nov 18, 2024, 9:34 AM

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ok, so is there any recommended flow?

astral cedar Nov 18, 2024, 9:37 AM

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recommendation for what exactly? can you be more clear?

if you want to make a one-time payment: PaymentIntent
if you want to make a one-time payment while saving the payment method for later: PaymentIntent + setup_future_usage
if you want to save a payment method for later without making a payment immediately: SetupIntent
and in all of these cases, 3DS may or may not be requested by the bank. so that's something your integration needs to handle.

magic slate Nov 18, 2024, 9:38 AM

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I want to save a payment method and then make recurring payment

astral cedar Nov 18, 2024, 9:41 AM

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what do you mean by recurring payment? you want to start a Subscription?

magic slate Nov 18, 2024, 9:41 AM

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yes a Subscription

astral cedar Nov 18, 2024, 9:42 AM

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ideally you would directly create the Subscription object with it's price, and then use the PaymentIntent created by the Subscription to charge the customer.

magic slate Nov 18, 2024, 9:42 AM

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ok

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can we use the Setup Intent to complete 3DS authentication and then immediately initiate the payment with the added payment method

astral cedar Nov 18, 2024, 9:47 AM

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yes you can. but the issue with this the customer might have to do two 3DS flow in a row.

magic slate Nov 18, 2024, 9:48 AM

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no I want only one 3ds at the time of Setup Intent

astral cedar Nov 18, 2024, 9:49 AM

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I understand, but like I said many times, it's not up to you or to Stripe. this is up to the bank, so it may happen.

#gaurav_best-practices