#juanreyes_api
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- juanreyes_code, 5 days ago, 9 messages
coral swallow
Hi synthrider! I want to understand better how the PaymentMethod relates to the PaymentIntent. Is a PaymentMethod required in order to create a PaymentIntent?
Also, can one create multiple PaymentMethods for a specific PAN?
Or will we get an error if we attempt to create another PaymentMethod for a PAN?
Those are some of my questions. Any help on this would be greatly appreciated.
@pale epoch?
pale epoch
hey there, what's your goal in terms of customer flow here?
speaking technically yes you need a payment method to complete a payment intent, but you don't necessarily need to create one explicitly, and in most cases you won't
the details provided via Stripe.js client side are used to create the payment method during confirmation
can one create multiple PaymentMethods for a specific PAN?
Yes, payment methods do not deduplicate by default, the same card can be saved as a new payment method multiple times
If you want to manage this, you can do so using the card fingerprint to identify existing PMs
coral swallow
So, here's what I have in mind. We're interested in the MCR option for PINless Debit. So, we need to know the available networks for a card. This sounds like we'd need to create a PaymentMethod object to get that information. Correct? Or is there another way for us to know the available networks for a card?
Once we know the available networks on our end, we pick a network, and then proceed with the PaymentIntent creation.
Technically, if we wanted to avoid storing a PaymentMethod ID on our end for a card, and we also wanted to check the available networks, could we, in theory create a PaymentMethod every time, just to get the available networks for a debit card?
I'm thinking of scenarios where available networks may change for a card.
coral swallow
MCR is Merchant Choice Routing. It just means that we get to decide the network through which to route the transaction.
We're currently trying to implement PINless Debit Routing to our existing integration. It really all comes down to checking the available network for a card and selecting one of the options. This allows us to send debit transactions through PINless debit networks when we want.
pale epoch
WHat countries are you doing payments in?
coral swallow
US
and others
What I want to understand is how to proceed with the technical aspects, some of which I've shared in my previous messages.
pale epoch
You can set a preference for the domestic vs international routing for multi-network debit cards:
https://docs.stripe.com/api/payment_intents/create#create_payment_intent-payment_method_options-card_present-routing-requested_priority
(Shown for AU for example here: https://docs.stripe.com/terminal/payments/regional?integration-country=AU#routing-multi-network-debit-cards )
But this is not applicable to the US as far as i know
coral swallow
I can check that documentation. For now, it seems to me that we need to create a PaymentMethod first (which returns the available networks). And then create the PaymentIntent. From what you've shared, it sounds like a PaymentIntent can be created without creating a PaymentMethod first. Also, in case we want to re-check the available cards for a network, we could create another PaymentMethod for the same card.
If this is true, this helps me with next steps.
pale epoch
What kind of available networks are you referring to in the US? In France there is cartes-bancaires for example.
In the US, Terminal only uses the credit rails for co-branded debit cards
coral swallow
So, the card brands: Visa, MasterCard. And US debit networks such as Star and Pulse.
So, for a card, we could get Visa and Pulse as available networks.
Let me share with you the documentation I'm using for PINless debit.
Could you confirm that my understanding is correct here? #1374840210503762001 message
pale epoch
Ok so this is not public functionality -- I can't discuss here. You should reach out to your Stripe contact or whomever granted you access to this for guidance.
coral swallow
I see.
pale epoch
I think your understanding is correct, but can't help debug that if you're having issues.
coral swallow
Thank you @pale epoch! Perhaps I should've led with the docs page for the functionality, hehe. Again, thanks!
pale epoch
NP!