#tristanoneil-paymentintent
runic crystal
@pale iris handleCardAction is mostly a really bad integration path overall that we offer to developers that absolutely want to confirm server-side no matter what. This goes with confirmation_method: 'manual' that we strongly discourage overall too.
Subscriptions do not support for that flow at all (since it's discouraged).
This feature is associated with https://stripe.com/docs/payments/accept-a-payment-synchronously which is the flow I discourage anyone from using. Maybe you were using it for your one-time payment integration?
pale iris
I see. Yes, we're processing one time payments using this param. We actually just moved to synchronous processing because it simplified a lot of our integration code and made it easier to provide users with immediate feedback. Is there an overview of why synchronous processing is discouraged?
runic crystal
it works only with cards, no other payment method. It doesn't work with any other product (invoice, subscription, checkout, tax, etc.) so overall it's extremely limiting
the main reason people use it is because they are use to an old flow where you collect card details client-side then charge server-side and are done. This doesn't fit 3DS. And doesn't fit the majority of other payment methods (async bank debit, full page redirect, pay in store in cash, etc.)
Usually people who do this don't want to do webhooks, and this is mostly required to use webhooks anyways.
I've been helping devs with this for years, I can tell you that moving to that flow is a design mistake and you'll regret it. Though I understand it does seem safer/easier overall
pale iris
I see, we also handle ACH and soon BACS. It might be the nature of our business but we actually process synchronously here as well, we end up refunding if in the end the payment doesn't go through.
But if we can expect to run into hurdles with the Stripe API because it discourages this then perhaps we may need to rethink.
and when I say "refunding" I mean within our systems.
runic crystal
you can't do ACH and BACS synchronously. It takes days to know from the bank if the payment succeeded
the only thing you can do is charge the bank account and wait
pale iris
right I know. we process everything in our systems synchronously and then essentially rollback if the payment doesn't go through. but we're not selling goods or services so I think we're in a unique position.
runic crystal
sure but it's impossible to do that with ACH
if you charge today on ACH, Stripe will tell you it succeeded in 7 days.
pale iris
yes I understand
full wedge
@pale iris do you have any further question about this?
pale iris
@full wedge I'm good. thanks!
full wedge
great, ty!