joeyhero-offsession | Stripe Developers | Page 1

stuck holly Sep 23, 2021, 12:42 PM

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Are you passing off_session: true for the PaymentIntent? See https://stripe.com/docs/payments/save-and-reuse#web-create-payment-intent-off-session

Set up future payments

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acoustic pike Sep 23, 2021, 12:43 PM

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Confirmed. I do

vestal coyote Sep 23, 2021, 12:45 PM

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it's actually PSD2, not DSP2, and we have lots of documentation on it https://stripe.com/ie/guides/strong-customer-authentication .

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do you have an example pi_xxx PaymentIntent that declined?

acoustic pike Sep 23, 2021, 12:49 PM

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pi_3JcoKGBtIveTfe582vKzu275

vestal coyote Sep 23, 2021, 12:50 PM

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thanks, looking

acoustic pike Sep 23, 2021, 12:50 PM

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Thank you for your time

vestal coyote Sep 23, 2021, 12:50 PM

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ok so all that happened here is the bank refused to give the exemption.

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you're doing things correctly from that I see. you attempted an off-session payment , which qualifies as a merchant-initiated-transaction (https://stripe.com/ie/guides/strong-customer-authentication#merchant-initiated-transactions-including-variable-subscriptions)

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but the bank is allowed to refuse that , and in this case, they did, they declined the payment and asked for it to be authenticated.
https://stripe.com/ie/guides/strong-customer-authentication#exemptions-to-strong-customer-authentication

The cardholder’s bank will then receive the request, assess the risk level of the transaction, and ultimately decide whether to approve the exemption or whether authentication is still necessary.

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entirely normal and this is something that can happen and you need to contact the customer about to come and do the payment again! (the recovery flow we mention at https://stripe.com/docs/payments/save-and-reuse?platform=web#web-create-payment-intent-off-session ) .

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also your integration is slightly odd, you create a SetupIntent and then immediately do an off-session payment straight away? if you're doing that(accepting the card and charging it at the same time, while saving it), you should use a PaymentIntent with setup_future_usage instead of a SetupIntent. https://stripe.com/docs/payments/save-during-payment

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probably not related here, but just mentioning

acoustic pike Sep 23, 2021, 1:01 PM

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I understand. We will go through the documentation you sent us and evaluate how we should change our flow.

Thank you for your time

#joeyhero-offsession