#createitcarlos_api

1 messages ¡ Page 1 of 1 (latest)

idle dustBOT
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frigid flume
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Hello! To clarify, your customers aren't seeing errors, correct? They're providing card info, sometimes that card info includes an incorrect CVC or postal code, and the transaction goes through despite that?

plucky magnet
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Hi, @frigid flume from our understanding, no, it is not preventing or warning the user if the zip code is not correct. We did a test on our end where we made a payment, used a false Zip code and the payment passed

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As you can see from the pi_ both the zip and the cvc failed however, you will see the payment status was 'succeeded'.

frigid flume
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That sounds normal to me. Card issuers and banks often let transactions through that they deem valid despite having some incorrect information, such as an incorrect CVC or postal code.

plucky magnet
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So it would be on the card issuer or bank's side and nothing we can do from the Stripe side?

frigid flume
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The decision is being made on the card issuer/bank side, yes, but there are things you can do on the Stripe side of things in this area. What do you want to change about this?

plucky magnet
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Aside from throwing money into Radar. But then that wouldn't necessarily stop the issue, correct?

plucky magnet
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What do you suggest on the Stripe side?

frigid flume
plucky magnet
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Radar is an extra product cost isn't it?

frigid flume
plucky magnet
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Of course, yes, the fee questions don't come here.
So Radar would stop the verification, but would this stop the payment if the bank /issuer doesn't flag it? Or does Radar add something to the path?

frigid flume
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The way those block rules work is that we attempt the transaction over the card networks and get the response back. If the reply indicates the CVC/postal code is invalid we immediately reverse the charge. In effect it declines the transaction instead of letting it go through.

plucky magnet
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Would that show in the Stripe elements widget then as a decline to the customer?

frigid flume
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Yes.

plucky magnet
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Ok. So it does look like we have some Radar rules in place in our account turned on.
I see that the "Block if CVC verification fails based on risk score" is disabled, so is the zip code one. Are those the ones you are referring to?
If we enable those, do we set the risk score? In the pi_ I submitted here, the risk score was 'Normal'.

frigid flume
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Oh, yeah, that's a fairly recent change. Those rules used to not have the "based on risk score" part, but now they do. One sec, let me dig up the documentation about that...

plucky magnet
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OK, I see. I will have to talk to our finance department and my VP. I appreciate the info. I may be back on tomorrow or later this week. Would this channel still be open or will you close it?

frigid flume
plucky magnet
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Ok, I appreciate the info for today. Thank you