eener_docs | Stripe Developers | Page 1

winged spokeBOT Apr 7, 2025, 4:36 AM

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rich glen Apr 7, 2025, 4:42 AM

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Hi there, The card issuer determined whether to approve or decline the transations, so we will recommend providing as much information as possible (i.e., including CVC) to reduce decline rate.

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https://docs.stripe.com/declines#issuer-declines

Declines

Learn about payment declines and how to lower your decline rate.

winged spokeBOT Apr 7, 2025, 4:52 AM

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valid ore Apr 7, 2025, 5:27 AM

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We will only use this token creation just to determine the card funding type for a display in our app. Will it be okay to not provide it if it does not involve any transaction yet?

errant holly Apr 7, 2025, 5:31 AM

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So you are not charging but only to collect the card information? You should then use SetupIntent, and when it is confirmed, you can look at the Payment Method's funding type

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https://docs.stripe.com/api/payment_methods/object?lang=curl#payment_method_object-card-funding

The PaymentMethod object | 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.

valid ore Apr 7, 2025, 5:49 AM

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We are not creating the payment intent yet at that point so we thought of just retrieving the funding type using the card token creation. Will that approach suffice?

errant holly Apr 7, 2025, 5:55 AM

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Yes, SetupIntent != PaymentIntent, it doesn't charge

valid ore Apr 7, 2025, 6:24 AM

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Is it not advisable to use the token creation instead? Is the funding type in SetupIntent more accurate than in the created card token?

errant holly Apr 7, 2025, 6:36 AM

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Not exactly accurate but Token is legacy and we are moving away from it

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More of recommendation

valid ore Apr 7, 2025, 6:48 AM

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Ok that will be noted for our future updates, but since we're using the token for now to just determine the card funding, is it fine to not provide the cvc at that point if we are not charging yet?

errant holly Apr 7, 2025, 6:51 AM

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Yes, though I am pretty much on strongly discourage using token in 2025 🙂

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