#eddy_ece-applepay
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stuck mason
Unfortunately, blocking prepaid card on Apple Pay interface is not supported natively on Stripe integration.
One way I can think of is to use deferred intent flow, which you will create and inspect a ConfirmationToken to inspect if the card is a prepaid. If the customer uses a prepaid card, your system can prompt the user for a new payment method again.
Here's the guide of deferred intent flow: https://docs.stripe.com/payments/build-a-two-step-confirmation
You can find the funding information under payment_method_preview.card.funding once the ConfirmationToken is created: https://docs.stripe.com/api/confirmation_tokens/object?api-version=2025-10-29.preview&rds=1#confirmation_token_object-payment_method_preview-card-funding
chrome wave
But this would be a terrible UI/UX, people will pay then get a rejection, how we can do this?
stuck mason
Blocking prepaid card on Apple Pay interface is not supported on Stripe integration currently. I'd recommend using the deferred intent suggested earlier.
chrome wave
but duolingo is using stripe and they actually do block them
and I'm not saying this from a native app, they use it on their web checkout page
solemn barn
eddy_ece-applepay
@chrome wave they might be using PaymentRequestButton which is an older integration (deprecated) which supported this. We haven't added this to ExpressCheckoutElement yet sadly but I recommend reaching out to our support team at https://support.stripe.com/contact to flag your interest in this feature!
chrome wave
So you're saying I should be able to do this with PaymentRequestButton?
Stripe radar + block rules won't automatically help?
solemn barn
yes to #1 but it's a deprecated feature so I would discourage you from using this
#2 works but it is not a good experience like you rightly called out
chrome wave
Thank you, will try #1 - understood it's not recommended but honestly if it can lower our failure rate from 99% to 20-30% it would be great.
By using #1 can we block specific BIN?
solemn barn
no specific BIN no, just the ability to block prepaid using https://docs.stripe.com/js/payment_request/create#stripe_payment_request-options-applePay-cardFunding I think
chrome wave
We can't create a setup intent, block bin numbers and use the checkout element?
or payment intent element with apple pay
solemn barn
Sorry this is super vague 😓
We don't have a concept of "blocking a certain BIN" in the API, we don't expose the BIN by default (you have to be approved to access it)
Also ApplePay doesn't really guarantee that the DPAN they generate has the same BIN as the original card. They try but I don't think it's guaranteed
chrome wave
All good thanks for your help guys. Best support team
solemn barn
Thank you 🙂