#supreeth_code
pseudo warrenBOT
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regal mantle
for example this payment ^ it looks like it was never retried!
timber epoch
Can you send me the in_ ID of that invoice? Happy to take a look. As long as the collection_method on the invoice is charge_automatically, we should apply your automatic retry settings. One thing to keep in mind is that that Invoice.Pay call won't itself invoke an automatic retry, automatic retries are based on the automatic charge attempts that Stripe makes around the invoice.
timber epoch
Ah it looks like the specific decline had the advice code do_not_try_again , so the bank basically told us not to automatically retry with that PM. https://dashboard.stripe.com/logs/req_hcGwBQpQOIxlLh
Are you seeing this with other invoices as well? That may have been bad luck on that example, looking for what else may prevent it
regal mantle
whats interesting is that the customer reached out to us saying that they received a message from the back...
Dear Customer,
We regret to inform you that the transaction of Rs. 2208.22 on your HDFCBank Credit Card ending with xxxxxx has declined.
Reason: Effective 1st Oct 2021, the Bank is required to decline all recurring transactions on cards initiated by merchants who are non-compliant with the new RBI guidelines.
To ensure clarity, here's what you need to know:
- Applicable on Recurring / Standing Instructions transactions from merchants who comply with the new RBI guidelines,
Transactions up to Rs. 15,000 will be processed automatically without an OTP.
Transactions above Rs. 15,000 will necessitate OTP verification via pre-debit (before the payment notification).
Is stripe not compliant with RBI in india ?
pseudo warrenBOT
regal mantle
I have another invoice - in_1S9bQyLoz3M8FCeuyi91aFVj if you want to check
timber epoch
We are, there are special details for handling that though.
https://docs.stripe.com/india-recurring-payments
Also it looks like I missed the other major setting you need to set here: auto_advance is false by default for one-off invoices and automatic retries only happen if that is set to true. So you can either set that to true when creating your invoices or you can update it when finalizing the invoice (which should also automatically make a payment attempt I believe)
https://docs.stripe.com/api/invoices/finalize
regal mantle
we add invoice items after creating an invoice - auto_advance to true auto-finalizes immediately ?
rustic pecan
Hi, taking over as my teammate needs to step away. Let me catch up.
regal mantle
no probs! Thank you
rustic pecan
I think the issue is due to RBI: https://docs.stripe.com/india-recurring-payments?integration=subscriptions#subscription-revenue-recovery
Payments from India-issued cards are attempted only once. This behaviour is independent of your payment retry settings.
rustic pecan
We do not retry due to hard decline codes: https://docs.stripe.com/billing/revenue-recovery/smart-retries#non-retryable-decline-codes
Looking at that example
regal mantle
but the same card transactions have gone through before right ?
rustic pecan
Which previous transaction?