#sahillakhwani_api
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gritty bolt
Hi there. Is this a question about a payment you've made with Stripe?
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terse ravine
This is about how Indian credit cards are handled
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terse ravine
From what I know, the Indian government mandates a 2FA which is usually through SMS, but Stripe doesn't seem to be attempting that, and hence the payment is failing
keen kestrel
hey there! do you have the ID of an example payment (pi_123) to share so we can take a look at what happened?
terse ravine
Not really, this was a complain from a customer
Can you please just let me know how Indian cards are processed?
keen kestrel
what should happen is that 3DS happens when the subscription is created (i.e. on the first payment), which then creates an e-mandate
then after that, the customer needs to confirm each recurring payment via a pre-debit notification sent through their bank
we have a guide that can be accessed here[0], although the page is currently redirecting incorrectly to another page in our docs (we're working on correcting that and it should be fixed soon)
terse ravine
We create and try to pay the invoice from our system. So when is the user expected to confirm the payment?
keen kestrel
generally India-based customers/users receive pre-debit notifications 48 hours before an upcoming subscription renewal payment
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keen kestrel
but this customer doesn't appear to have any payment method on file
terse ravine
Can I know there was one added and then removed?
drifting citrus
hi there, taking over for my colleague, can you send me an example invoice ID (in_1234) to take a look at?
terse ravine
drifting citrus
sorry, I need an invoice ID to investigate. it will be in the format in_1234abc
terse ravine
in_1SGA0jLoz3M8FCeuhWXYD28z
What I want to know is how Indian credit cards are handled?
In our system, we create an invoice for our customers and then try to pay them stripeClient.Invoices.Pay (Go SDK)
drifting citrus
this is our documentation on handling Indian credit cards: https://support.stripe.com/questions/background-on-indian-government-regulations-affecting-card-payments
thank you for the invoice ID, I'll take a look and see
it looks like the payment method on that customer was detached in this request https://dashboard.stripe.com/logs/req_A2Hss6R43HqOnv
terse ravine
ok, asuuming a payment methods is attached and the payment less than INR 15,000, the payment should just go fine? Is the user notified by Stripe before 24hrs of the payment?
drifting citrus
the cardholder should be notified by the issuing bank 24 hours beforehand
if you have further questions about this I'd recommend reaching out to Stripe Support https://support.stripe.com/?contact=true , as I'm not very familiar with Indian regulations on this
terse ravine
This links redirects me to some documentation