#paulc7053_api
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- paulc7053_api, 6 days ago, 38 messages
pulsar solar
Hi!
safe stream
👋
Could you please share more details ?
pulsar solar
I am confused about wether the user will be charged if they change the card within their Apple Pay/Google Pay
for example, a user subscribes with they Apple Pay
The underlying card in Apple Pay has expird and the user has attached a new card. Will my charges go through?
their**
This is how I handle the onConfirm within my ECE `const subscriptionRes = await fetch('/api/subscriptions/create', {
method: 'POST',
body: formData
});
const subscriptionData = await subscriptionRes.json();
const clientSecret = subscriptionData.clientSecret;
if (!clientSecret) {
console.log("No immediate payment required due to trial period.");
}
const { error } = await stripe.confirmSetup({
elements,
clientSecret,
confirmParams: {
return_url: returnUrl
},
});`
And I create the stripe subscription with export async function createStripeSubscription({ customerId, currency, productId, amount, interval = 'year', metadata = {}, trialDays = 7 }) { return await stripe.subscriptions.create({ customer: customerId, items: [{ price_data: { currency: currency.toLowerCase(), product: productId, unit_amount: Math.round(amount * 100), recurring: { interval } } }], payment_behavior: 'default_incomplete', payment_settings: { save_default_payment_method: 'on_subscription' }, expand: ['latest_invoice.payment_intent', 'pending_setup_intent'], metadata, trial_period_days: trialDays }); }
safe stream
The underlying card in Apple Pay has expird and the user has attached a new card. Will my charges go through?
Yes it should be updated automatically, as Stripe store Apple Pay token and not the underlying PaymentMethod
In worst case, it will requires another re-auth (3ds) I would say.
pulsar solar
In worst case, it will requires another re-auth (3ds) I would say.
what does that actually entail?
I don't know if you looked at the above code snippets, but when I create the stripe subscription in the backend, I use payment_settings: { save_default_payment_method: 'on_subscription' }. I am not sure if I should add the network token `payment_settings: {
save_default_payment_method: 'on_subscription',
payment_method_options: {
card: {
network_token: {
preferred: true
}
}
}
},
pulsar solar
Yeah, I didn't see it being mentioned anywhere. for some reason all LLMs talk about it
Could you please expand more on the possible re-auth thing?
safe stream
Actually, it's regardless of Apple Pay or normal card payment, but card bank issuers may request a 3DS auth sometimes even if the PaymentMethod is correctly saved at Stripe Side (or any other payment provider)
You can learn more about this here:
https://docs.stripe.com/billing/subscriptions/event-destinations#additional-action
Or you can enable Stripe to automatically emails customer to update their payment methods if one has failed
(Please refer to the section Manage failed payments)
pulsar solar
Or you can enable Stripe to automatically emails customer to update their paymen...
do these lead to a stripe-hosted 'change your card details' page, or I have to create that?
safe stream
If you opt for the email option, then yes Stripe will provide a hosted page.
pulsar solar
Okay, great!
Thanks a lot!
with the risk of being annoying so just to double check: stripe automatically updates the apple pay token when the user changes the card, did I get this right?
safe stream
Yes it should be updated intenally.
And for worst cases, make sure to activate the remediation emails and/or webhooks in order to collect new PaymentMethod if there is an issue.
pulsar solar
and what would I do within the function triggered by the webhook? Doesnt stripe already handle everything under the hood? I only store the stripe customer and subscription IDs
safe stream
You use the webhook, in case you want to create your remediation plane: send a custom email with a custom UI/dashboard to enter a payment method...