andrew_best-practices | Stripe Developers | Page 1

pine quarryBOT Aug 5, 2025, 8:32 AM

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andrew_best-practices, 2 hours ago, 6 messages

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jovial hedge Aug 5, 2025, 8:35 AM

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Hi there. I'll take a look for you!

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Do you have an ID I can take a look at? either a pi_… or a req_…?

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Note that the 3155 test card says that subsequent "on-session payments with this card always require authentication".

After setting up the card, are you sending off_session: true in the PaymentIntent?

supple granite Aug 5, 2025, 8:49 AM

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Yes one second

pine quarryBOT Aug 5, 2025, 8:51 AM

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supple granite Aug 5, 2025, 8:52 AM

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If you can give me a moment, I will try to recreate the scenario.

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If not, will you be able to keep this open for me to come back in the next 24hrs (it's currently out of business hours where I am, so I may need to wait for an engineer to come online)

jovial hedge Aug 5, 2025, 8:54 AM

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supple granite If not, will you be able to keep this open for me to come back in the next 24hrs...

Discord threads will be closed after a while, but you're always free to start a new one.
If you prefer, you can also open a ticket via the form here, and it will come to our team: https://support.stripe.com/contact/email?topic=api_integration

supple granite Aug 5, 2025, 8:57 AM

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Thank you

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I'm just testing now so let me see if I can get you that ID

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pi_3Rsgn6HugnJkF8aj1nG2c441

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So I used the 3155 card

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And the stripe component, which correctly presented the 3DS challenge

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I am using a 3rd party subscription management service, Maxio to store the card information, and I went into Maxio to simulate ending of the trial period and activating the subscription

graceful flicker Aug 5, 2025, 9:07 AM

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👋 taking over for my colleague. Let me catch up.

supple granite Aug 5, 2025, 9:08 AM

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I will now do a quick test, rather than manually activating, I will change the trial end-date to be in the next 15 min, so it will automatically try to bill the card and activate the subscription

graceful flicker Aug 5, 2025, 9:13 AM

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ok so the PI you shared is the one where you're setting up the PM for future usage

supple granite Aug 5, 2025, 9:13 AM

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That's correct

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Is there anything in the stripe dashboard that says the card is setup for off-session?

graceful flicker Aug 5, 2025, 9:17 AM

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the PI didn't go through 3DS though

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so the PM hasn't been attached to the customer for future usage

supple granite Aug 5, 2025, 9:19 AM

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Just to make sure we're on the same page, when you say PM you mean the Mandate?

graceful flicker Aug 5, 2025, 9:19 AM

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PaymentMethod

supple granite Aug 5, 2025, 9:20 AM

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Right - can you point me in the right direction for documentation of this setup for my engineers to look at?

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It sounds like it would have not worked regardless of the card

graceful flicker Aug 5, 2025, 9:21 AM

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before I do that, would you mind elaborating on your use case? let's forget about the implementation details for a second

supple granite Aug 5, 2025, 9:24 AM

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Yes - so we're a SaaS company, with a subscription service. It has a 30 day trial, and during the trial, customers can enter payment details (so we store it in Stripe). We utilise Maxio to manage subscriptions (https://docs.maxio.com/hc/en-us/articles/24176099326605-Gateway-Overview) and we pass in the Stripe IDs to Maxio when we configure the subscription.

Once the trial ends, Maxio then tries to charge the customer for their subscription (this is where we get the 3DS error)

Maxio

Gateway Overview

A payment gateway processes the payment requests submitted on your behalf by Advanced Billing as specified for each of your customer subscriptions. The payment gateway notifies Advanced Billing if ...

graceful flicker Aug 5, 2025, 9:25 AM

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so you're not using Stripe Subscriptions/Invoices but rather always charging with PaymentIntents?

supple granite Aug 5, 2025, 9:25 AM

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We are not using Stripe billing

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We are just setting up the customer with the card manually in stripe via the API

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The reason we chose this route is because Maxio's out-of-the-box javascript library for capturing the credit card has a slightly different flow for handling 3DS, and we thought it would be more straightforward to go direct to Stripe, and pass in the IDs to Maxio (which they support in their API)

graceful flicker Aug 5, 2025, 9:30 AM

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I'm really having trouble understanding the flow of your implementation

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are you using SetupIntents?

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to collect the PaymentDetails?

supple granite Aug 5, 2025, 9:30 AM

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We are using SetupIntents

graceful flicker Aug 5, 2025, 9:30 AM

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I can only see PaymentIntents and Raw Pan collection

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coming from your platform

graceful flicker Aug 5, 2025, 9:31 AM

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supple granite We are using SetupIntents

or are you doing this on your own?

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yes ok, I can see it now

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ok so for example you attached this PM pm_1Rsgl5HugnJkF8ajd0d7uKyq to this customer cus_SoJNaL4zL7BcP7 using this SI seti_1Rsgl4HugnJkF8ajNd4MFIxC

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what do you do next?

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ok so this PI pi_3Rsgn6HugnJkF8aj1nG2c441 was then created by Maxio?

supple granite Aug 5, 2025, 9:34 AM

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That's right

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It will have been created by Maxio

graceful flicker Aug 5, 2025, 9:34 AM

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if you look at ther request https://dashboard.stripe.com/test/logs/req_9Zlk0zoAQwuphI

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you can see that they haven't used off_session: true

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but rather setup_future_usage: "off_session"

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and the 3155 card always authenticate on setup

supple granite Aug 5, 2025, 9:35 AM

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Ahh ok - I think this will be a question for my developer then

graceful flicker Aug 5, 2025, 9:36 AM

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they can join discord and we can have multiple people discuss in the same thread if it's easier for you

supple granite Aug 5, 2025, 9:36 AM

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Yes it's out of business hours at the moment. If we come back tomorrow, will I be able to reference this conversation?

graceful flicker Aug 5, 2025, 9:37 AM

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yes sure

supple granite Aug 5, 2025, 9:37 AM

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Will I just paste teh discord chat link to a new request?

graceful flicker Aug 5, 2025, 9:38 AM

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if you're opening the thread we automatically link the newest threads you were in as you can see at the end of the StripeBot welcome message

supple granite Aug 5, 2025, 9:39 AM

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Ah I see it! Thank you.

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That might be easiest, if I talk to the developer to double check the API calls. So it looks like we've used the wrong parameter in the original request

graceful flicker Aug 5, 2025, 9:40 AM

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your SI integration is not wrong

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it's the request that Maxio is generating on your behalf https://dashboard.stripe.com/test/logs/req_9Zlk0zoAQwuphI

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supple granite Aug 5, 2025, 9:41 AM

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Ahh - ok so I may need to raise a support ticket to Maxio

graceful flicker Aug 5, 2025, 9:42 AM

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whether you're initiating that or they are, I can't tell. but yes it's in that request where you need to have the off_session: true instead of setup_future_usage: 'off_session'

supple granite Aug 5, 2025, 9:44 AM

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Thank you so much - this is enough for me to go off for now, and I will have a chat to my team and raise a ticket with Maxio as well. It sounds like they need both parameters?

I want to make sure I word this correctly to Maxio support.

graceful flicker Aug 5, 2025, 9:45 AM

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It sounds like they need both parameters?
no they only need off_session: true

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since you are setting up the future usage

supple granite Aug 5, 2025, 9:46 AM

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Ok - does setup_future_usage do anything then, or is it redundant in both the 3DS and non-3DS use-case?

graceful flicker Aug 5, 2025, 9:47 AM

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setup_future_usage is not needed when the PM is already created using SetupIntents with usage: 'off_session'

supple granite Aug 5, 2025, 9:48 AM

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Ok thank you very much. We can finish here for today, this is enough for me to go on from here.

#andrew_best-practices