#nicoyamx_error

1 messages ¡ Page 1 of 1 (latest)

modern marlinBOT
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glacial matrix
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hi there!

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can you share the Request ID (req_xxx)?

modern marlinBOT
finite plume
sudden oak
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Hey! Taking over for my colleague. Let me catch up.

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You are not requesting 3DS when collecting the Paymentmethod:
req_L9SneImejx9rn9

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You should use SetupIntents in order to correctly collect the PaymentMethod

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It will auth the payment and handle the 3DS when the bank issuer requests it

finite plume
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Ok

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When should I call this: here is my flow:

create-payment-intent
createPaymentMethod
create-customer
paymentIntents.update (attach customer to payment method)
confirmCardPayment

sudden oak
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Ok
When should I call this: here is my flow:

create-payment-intent
createPaymentMethod
create-customer
paymentIntents.update (attach customer to payment method)
confirmCardPayment
Ah you are accepting a Payment and Save the PaymentMethod, in this case, you should refactor your code to look exactly like this guide:
https://stripe.com/docs/payments/save-during-payment

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The flow will be as following:

  1. Create Customer
  2. Create PaymentIntent with that Customer
  3. Confirm PaymentIntent
  4. Update the Customer's invoice setting to use that PaymentMethod as default.
modern marlinBOT
finite plume
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Is it mandatory to create the customer first then the paymentIntent?

sudden oak
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What is the blocker here? because you can create both the Customer and the PaymentIntent after collecting the PaymentMethod (using confirmation tokens)

finite plume
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Ok but how come I have so many card decline then? 372 the last 7 days

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Seems like European banks are not accepting the transactions, I have some customers that are able to pay but 60% cannot, they are all getting declined like do not honor errors

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Isn't it a BIN issue ?

normal grotto
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When the issuing bank asks for 3DS, it is required that the customer authenticates the payment

finite plume
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const paymentIntent = await stripe.paymentIntents.create({
amount: Math.round(amount),
currency: currency.toLowerCase(),
payment_method_types: ['card'],
payment_method_options: {
card: {
request_three_d_secure: 'challenge'
}
}
});

normal grotto
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We can't help with decline related questions here.

finite plume
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And I have enable the 3DS on radar as well