#ed_api

1 messages · Page 1 of 1 (latest)

primal nightBOT
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  • ed_api, 14 hours ago, 27 messages
covert yarrow
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Hi there,
you should be able to create a SetupIntent with an existing Payment Method. But if the payment requiers further steps like authentication etc., you would need to handle this properly client side with the user present.

rocky epoch
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OK and just to confirm my theory if I just did:

  1. PaymentMethod.create
  2. PaymentMethod.attach
  3. PaymentIntent.create

I would expect transaction to succeed but pay higher interchange because we're on IC+ right?

covert yarrow
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That is my assumption, yes. But unfortuantely we are not experts in how the Stripe Pricing/Fee structure works.

rocky epoch
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Great. And when I create a setupintent with an existing paymentmethod - I guess I am a little shocked I don't need to re-collect CVV because I had to do that with NMI & Finix

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So does Stripe store the CVV from the first PaymentMethod.create? How should I think about this?

primal nightBOT
covert yarrow
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We do not store the CVV. Oncve the Payment Method was confirmed initially Stripe tokenizes the PM internally for reuse.

indigo meadow
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Hi, taking over as my teammate needs to step away. Let us know what other questions you have here.

primal nightBOT
rocky epoch
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Thinking 🤔

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So vegvisirs comment is exactly my worry.

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What I believe he is saying is that during PaymentMethod.create:

  1. The ccnumber, exp month, exp year is tokenized
  2. but the CVV is dropped

So then when I go to create a new setupintent - I should be asked to provide the CVV, but I'm not - so this is why I'm mega-confused.

indigo meadow
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When you create the customer and the card you can check if cvc_check is set to pass to make sure that the CVC was sent and validated by the bank so that you don't have to ask for it again in the future. Given that you're using the SetupIntent, the bank knows that you won't have the cvc as no-one can store it.

If you do want to recollect cvc, you would use the Customer Session API and you can force CVC recollection via the PaymentIntent or the Elements instance: https://docs.stripe.com/payments/accept-a-payment-deferred?platform=web&type=payment#save-payment-methods