#sable_error
calm pikeBOT
👋 Welcome to your new thread!
⏲️ We'll be here soon! Typically we respond in a few minutes, but sometimes we might take a bit longer if the server is busy or if you have a particularly tricky question.
⏱️ We close idle threads, which makes them read-only. Once a thread is closed it won't be reopened, but you can always start a new thread if you have another question.
🔗 This thread will always be available, even after it's closed. You can find it again using Discord's search, or you can save this link: https://discord.com/channels/841573134531821608/1380027822852014211
📝 Have more to share? Add more details, code, screenshots, videos, etc. below.
⛔️ Stripe developers have stepped away for a short while
Please leave your questions here, and we’ll respond as soon as we're back! If you need help urgently, you can contact Stripe support for help.
vocal stratus
I ran out of room in the form.
This issue isn't with just canadian pre-authorized debits. I cannot get EPS, iDeal, or banconnect payment methods to wrok, I get the same error when creating the checkout session. I have read through every documentation and article I have been able to find. I also use the payment method configuration troubleshooting tool to enter the amount, location, and currency, and the tool says the the payment method will show.
here is an example request ID req_qxOBhOcixzOJ7s
calm pikeBOT
mental thunder
Hi there, thanks for waiting.
EUR is the only supported presentment currency for EPS, iDeal, or banconnect, so you'll want to create a checkout session with price_data[currency]=eur instead.
vocal stratus
What's the purpose of adaptive pricing? In the documentation, it says that it unlocks iDeal, banconnect, and EPS. Those three only allow presentment in the local currency.
I have access to them with adaptive pricing on and off
How would someone pay through iDeal, which only allows EUR for NL bank accounts, in a different currency with adaptive pricing?
mental thunder
Here's how it works.
- You should at least enable a payment method (i.e., card) that support USD presentment
- Your customer in Europe will then have the option to select EUR as the presentment currency, so that they can use EPS, iDeal, or banconnect,
vocal stratus
So in order for adaptive to work with one of those three, I have to include a USD payment method that I do not want to support?
mental thunder
If you don't want to support accepting payment in USD, why do you set price_data[currency]=usd ?
vocal stratus
The fees differ between payment methods. iDeal for example has an $0.80 cent fee. Cards have a 2.9% +$0.30 fee
mental thunder
What prevent you from setting price_data[currency]=eur if you don't want to accept card and USD?
vocal stratus
I want to receive funds in USD. if I accept EUR then the currency conversion is charged to me instead of to the payor (with adaptive pricing).
Regardless of the reasoning, I'm just trying to figure out the technical requirements, as the documentation is very lacking in details.
mental thunder
No, you can't receive funds in USD without exchange for accepting payment in EUR.
vocal stratus
yes, hence the point of adaptive pricing.
So, back to the question of the requirements. In order for a EUR-only payment method to be presented for a checkout session in which i specify the currency is USD (via adaptive pricing) , I have to include at least one USD-based payment method. Is that correct? And are there other restrictions, or is that the only one? (assuming of course the payor is in the correct country, the payment methods are enabled in the payment method configuration, etc.)
The main issue with allowing a USD payment method alongside a EUR payment method is calculating surcharges. I can only charge a surcharge in the amount of the actual fees incurred. if I offer a payment method that has different fees, I cannot calculate the appropriate surcharge to add. So if I mix a USD payment method with a EURO payment method, the fees are different, and unless Stripe ends up allowing fees to be charged to the payor, I can't mix-and-match payment methods with differing fees and be able to charge a compliant surcharge amount.
mental thunder
No, there's no way to avoid currency exchange even if you use adaptive pricing. https://docs.stripe.com/payments/checkout/adaptive-pricing?payment-ui=stripe-hosted#exchange-rate
vocal stratus
What about this part above what you linked
"You don’t directly pay any additional Stripe fees for Adaptive Pricing, as all such fees are paid for by your customers. The Stripe-provided exchange rate you present to your customers includes a conversion fee of between 2-4%, increasing their purchase price by a corresponding amount. "
If I pay a currency conversion fee, and the customer pays an extra 2-4%, why would anyone use adaptive pricing, that makes absolutely no sense, and is contrary to the documentation.
If a currency conversion fee is taken out of the payment when using adaptive pricing, then Stripe is grossly misrepresenting the fee structure.
mental thunder
No you don't need to pay the conversion fee (i.e., You pay 0%). What I meant is that the currency exchange is still involved, and it's your customer pays the extra fees
vocal stratus
Alright. We're on the same page there.
mental thunder
The adaptive pricing feature provides an option for your customer to pay in the local currency, if they accepted the extra fees. So there's always a possibiity that they want to continue the payment in the original currency, and for that you need to provide a payment method options that supports the original currency.
vocal stratus
yes, but as I explained, it's impossible to accurately calculate a surcharge when there are differing payment method fees, which is the entire reason of not including a USD payment method with iDeal, banconnect, and EPS.
Let's take a step back. I don't really care all that much about getting adaptive pricing to work to support EPS, banconnect, and iDeal. I'll accept the answer of in order to get that to work, a USD-based payment method must also be included. I just won't use non-USD payment methods.
This ticket is about not being able to get canadian pre-authorized debtis to work. The part about EPS, iDeal, and banconnect was just a sidenote.
I'm not trying to do anything fancy with adaptive pricing when doing CA pre-auth debits
mental thunder
Can you tell me more about the problem that you faced with canadian pre-authorized debtis? What's the request ID?
vocal stratus
req_qxOBhOcixzOJ7s
I wrote it all out in the initial ticket and the first message in the thread. I can re-explain any of it if it didn't make sense
mental thunder
OK, that's the same problem that I explained earlier, you need to include a payment method type that support the original currency (i.e., USD).
mental thunder
If you think card processing fee is high, you can consider enabling ACH Direct Debit
it says "USD (in rare cases)"
vocal stratus
yes, the rare case being most canadian bank accounts are in CAD
my customers in canada have USD bank accounts
ACH Direct Debit docs say it is available for US customers, not Canadian customers
mental thunder
Yes, it's a payment method that supports USD, and that will allow you to create the checkout session successfully.
I'd also like to highlight that adaptive pricing supports the following payment methods https://docs.stripe.com/payments/checkout/adaptive-pricing?payment-ui=stripe-hosted#configure-local-payment-methods and Canadian pre-authorized debits isn't in this list yet.
vocal stratus
Again, I am not trying to use adaptive pricing with Canadian pre-authorized debits
docs say it supports CAD and USD
it's not working when specifying USD
Yes, it's a payment method that supports USD, and that will allow you to create the checkout session successfully.
But if ACH Direct Debit isn't supported for Canadian customers with Canadian bank accounts, that won't help anything
