julio_3ds-offsession | Stripe Developers | Page 1

ornate ferryBOT Oct 6, 2025, 6:17 PM

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tacit ravine Oct 6, 2025, 6:18 PM

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julio_3ds-offsession

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@naive sage if the customer is on your app at the time of payment, it's entirely expected that 3DS is required. That's how it works

The way you described your ask though, you say you charge later and not when the customer is around. Is that correct?

naive sage Oct 6, 2025, 6:19 PM

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no sorry, i know that is the way but well it looks really weird for the client to have to do two 3d secures on the same checkout. the issue is we need a setup intent because we need to identify if the card has monthly options and if so offer them to the user with dynamic prices to account for a comission that we charge if they want to pay in installments

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so i would love if you have an idea on how to do this

tacit ravine Oct 6, 2025, 6:20 PM

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what does that mean "if the card has monthly options" exactly?

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Are you talking about MX installments (meses sin interes) specifically? https://docs.stripe.com/payments/mx-installments

naive sage Oct 6, 2025, 6:22 PM

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yes those, but we dont use them as without interests because we do inform them and charge them a comission if they want to pay with installments

tacit ravine Oct 6, 2025, 6:22 PM

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Sorry I don't know what that means 😓

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are you making your own "payment plan" basically?

naive sage Oct 6, 2025, 6:22 PM

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yes we have our own payments plan. let me try to explain

tacit ravine Oct 6, 2025, 6:23 PM

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Why would a customer agree to pay in installments for a fee when it's offered for free with Stripe. Is it because your terms are better than their bank's terms?

naive sage Oct 6, 2025, 6:25 PM

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the user wants to pay, if the card offers msi, knowing that we have to pay a fee and that fee would make us not be able to handle the installments we tell the customer. we will offer monthly payment but we will charge you as an extra, the msi comission so that we can pay with that comission the fees stripe charges us.

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i dont know how to explain it, just image this. "considering stripe charges a fee if you want to purchase the listing of 1000 mxn on installments we will charge you 1100 and put those with msi that way we dont lose as much on stripe fees

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does that last sentence make sense to you?

tacit ravine Oct 6, 2025, 6:26 PM

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I get it, just feels off to me :p

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it'd be like saying "happy to have you pay, but Stripe charges a fee so I'll raise my price". I get the logic, but usually you bundle the fee in your pricing

naive sage Oct 6, 2025, 6:27 PM

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yeah it is, but well i am not from the business side

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so for this business logic we cannot just use a pyament intent and call it a day. and are using setup intent but well with setup intent i am guessing the double 3d secure is inevitable?

tacit ravine Oct 6, 2025, 6:29 PM

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Not sure, looking into it. On web it'd be easy but I don't know the mobile SDKs well. Give me a few minutes

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Are you doing a custom UI for the installment?

naive sage Oct 6, 2025, 6:41 PM

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yes, we use the checkout form that is initialized as a setupintent and the card is saved here. then we have an endpoint to validate if the card offers msi and if such we return them the options. once they either chose pay instant or one of the payment options we have an endpoint finalize that creates the payment intent using their selected card that is the default one

tacit ravine Oct 6, 2025, 6:43 PM

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So you have your own UI for picking the installment and price right? You don't use our Mobile SDK for this

naive sage Oct 6, 2025, 6:44 PM

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thats right, we use the mobile sdk to handle the setup of the payment info so that we dont touch that info directly in any way, and after the setup we just use the card that was setup to create a payment intent at the end of the checkout flow

tacit ravine Oct 6, 2025, 6:48 PM

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yeah I can't think of a viable path here unfortunately because the end customer is on session. And I don't think there's any way in our UI to do what you are after. And you can't turn off 3DS here because it is required for the real payment.

ornate ferryBOT Oct 6, 2025, 6:49 PM

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tacit ravine Oct 6, 2025, 7:02 PM

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Sorry I asked 2 other people on my team and we can't find a flow that would work for you here and skip 3DS. What you want is some kind of "2 steps confirmation flow" that also supports changing the PaymentIntent amount which we don't seem to support today unfortunately

I recommend you reach out to our support team: https://support.stripe.com/contact. Feel free to mention this Discord thread https://discord.com/channels/841573134531821608/1424822884941172830 so they can look and confirm there is no know solution here that fits your needs

#julio_3ds-offsession