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- kaka_docs, 6 days ago, 8 messages
hexed nexus
There are certain criterias for Instant Bank Payments to appear as a payment option: https://docs.stripe.com/payments/link/instant-bank-payments#eligibility
That could be reason why it does not display all the time
urban violet
What's shown here are the merchant criteria. Our merchant already meets those conditions. What we'd like to understand are the user-side requirements.
hexed nexus
Transaction limits: Eligible transactions must be below an amount dynamically set by our risk systems. By default, Instant Bank Payments are presented only for transactions under 5,000 USD.
There is this condition as well, transactions have to be under 5,000 USD.
urban violet
But after testing, we found that it doesn't appear in some countries either such as Germany, China.
It can be displayed in Canada and Germany.
hexed nexus
Could you give me an example Payment Intent or Checkout session where the Instant Bank Payment Option is not shown?
we found that it doesn't appear in some countries either such as Germany, China.
It can be displayed in Canada and Germany.
Sorry, so which countries does it not appear in?
You mentioned Germany for both
urban violet
pi_3TF8jlCzh28542mo1Im1IKL0
We only tested Germany and China and found they don't appear. We haven't tested other countries, so we'd like to inquire about this.
sacred basinBOT
fallen sail
👋 taking over for my colleague. Let me catch up.
this PI's currency is gbp
so it doesn't qualify for Instant Bank Payments
so Link does show up but only for Card Payments and not Instant Bank Payments
urban violet
Sometimes neither is displayed, sometimes only card payment is displayed.
fallen sail
can you share a PaymentIntent ID when Link doesn't show up?
urban violet
pi_3TF915Czh28542mo1FfqqPF0
fallen sail
link is available for this PaymentIntent
it seems that you are testing in livemode
is that correct?
urban violet
yes
fallen sail
please don't, instead you should test in a sandbox
fallen sail
you need to recreate this using a sandbox account
and give us access to the testing page so we could troubleshoot
urban violet
It can be displayed in the sandbox environment.
fallen sail
ok, I'm checking something
urban violet
Thank you
fallen sail
can you try to change your network? switch to a mobile hotspot for example?
urban violet
Sorry, I used a VPN to switch to a German IP for testing. I can't use a mobile hotspot.
fallen sail
the idea is that we run some a/b testing experiments for all merchants/customers to learn and improve conversion. in this case you got assigned, partly on your IP address, to an experiment where we holdback Link
fallen sail
Sorry, I used a VPN to switch to a German IP for testing. I can't use a mobile h...
in this case, you can try to disconnect from the VPN and reconnect, usually that reassigns you a new IP address
or try on another browser
or another chrome profile
urban violet
So under normal circumstances, can Link and Bank be displayed in all countries?
fallen sail
for USD yes
urban violet
It displayed in Safari browser
I have another question: can I tell from the API whether the user used a bank account in Link or a card?
fallen sail
no, this is only visible on the dashboard
urban violet
How can I tell the difference in the dashboard? I ran a test transaction and only saw Link — I couldn't tell whether it was a bank account or a card.
fallen sail
sorry I meant that you can see it's Link in the dashboard, in the API you would see card
urban violet
So I can't track the number of users who used a bank account.
fallen sail
not through link no
urban violet
👌
Just to confirm — if the payment is made through Link, I can't track the proportion of users who used a card versus a bank account.
fallen sail
yes
urban violet
thank you