joe-sataapon_api

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[dusty bane]

I’m working on integrating credit card payments with Stripe. Our current flow is:

1. The backend creates the payment method.

2. The backend creates the Payment Intent (we control 3DS/non-3DS behavior and we skip confirm ourselves).

3. For 3DS transactions:

   3.1 The backend calls capture or cancel immediately.

4. For non-3DS transactions:

   4.1 The frontend handles 3DS (if applicable).

   4.2 The backend listens to the payment_intent.amount_capturable_updated event and then calls capture or cancel.

5. For both 3DS and non-3DS flows, we listen to the payment_intent.succeeded and payment_intent.failed events to update the final status of the capture.

I have a few questions:

1. When creating the Payment Intent, is that the point at which the bank places a hold on the amount?

2. When we call capture, does Stripe return a response immediately and then continue processing asynchronously (e.g., notifying us via webhook)? I want to confirm whether the response from Stripe is immediate.

3. Similarly, when we call cancel, does Stripe return a response immediately and then process the cancellation in the background, notifying us via webhook?

4. For non-3DS transactions, should we call capture immediately after receiving the response from the Payment Intent, or is it recommended to rely on the webhook (payment_intent.amount_capturable_updated) before capturing?

5. Does the payment_intent.amount_capturable_updated event indicate that we should now initiate capture?

6. Does the payment_intent.succeeded event confirm that the capture was successful?

7. Does the payment_intent.failed event indicate that the capture failed (even though this is a rare case)?

I want to confirm that the capture flow is happen in asynchronous, this is important to our integration.

[autumn leaf]

Hi will get to your question soon, but are you creating payment method on backend? Are you PCI compliant?

[dusty bane]

Yes, we are.

[autumn leaf]

1. Because you are confirming the same time of creating Payment Intent (I suppose you use confirm=true), yes that's when the bank received the transaction and place a hold
2. Depends on the parameter here: https://docs.stripe.com/payments/payment-intents/asynchronous-capture#opt-in-async-capture
3. Should be immediate
4. Recommend to listen to the webhook
5. Yes
6. Yes
7. Yes

[dusty bane]

Thank Orakaro.

[dusty bane]

May I know what is the difference between automatic_async and manual?

[celest raptor]

Hi! Stepping in for my colleague. manual is related to auth and capture where you place a hold on an eligible payment method to reserve funds that you can capture later. More details here: https://docs.stripe.com/payments/place-a-hold-on-a-payment-method

automatic_async is similar to automatic but it reduces the latency of PaymentIntent confirmations by making the capture operation take place in the background. More details here: https://docs.stripe.com/payments/payment-intents/asynchronous-capture

[dusty bane]

For manual does the capture call happen in asycronouse?

[celest raptor]

Sort of because you need to manually do the capture.

[dusty bane]

Could you help close this thread?

[celest raptor]

Sure I can do that. Any questions before I close it?

[dusty bane]

Hello @autumn leaf ,

I forgot to mention that before calling capture, we need to perform a fraud check on our side, so we need to set capture_method=manual.

My question is: when I later call the capture endpoint, does Stripe respond immediately?

[celest raptor]

What do you mean by immediately?

[dusty bane]

when we call capture, does Stripe return a response immediately and then process the capture in the background, notifying us via webhook?

Sure I can do that. Any questions before I close it? -> please close immidatly

[celest raptor]

It should be immediate.

Sorry so do i close it now?