gary4091-future-payments | Stripe Developers | Page 1

keen token Oct 22, 2021, 3:16 PM

#

No, thats included when setting up the card initially, but not on future payments

#

you can optionally recollect CVC only using elements, though, to include with future payments:
https://stripe.com/docs/payments/save-card-without-authentication?platform=web#web-recollect-cvc

fluid latch Oct 22, 2021, 3:24 PM

#

Understood. However, what is the reason to collect CVC at the time of saving credit card for future payments ( https://stripe.com/docs/payments/save-and-reuse ) if CVC value is not sent to bank during future payments?

keen token Oct 22, 2021, 3:25 PM

#

It's used when authenticating the card up front

fluid latch Oct 22, 2021, 3:26 PM

#

So STRIPE has ability to authenticate CVC without contacting issuing bank?

#

In other words, without making actual charge or authorization?

keen token Oct 22, 2021, 3:29 PM

#

What do you mean? Authentication does involve the bank.

fluid latch Oct 22, 2021, 3:31 PM

#

Understood. I didn't know that Bank can Authenticate the card without receiving the actual charge or authorization on that card

keen token Oct 22, 2021, 3:32 PM

#

There is an authorization with the bank in that flow

fluid latch Oct 22, 2021, 3:32 PM

#

We were processing cards in-house for long time and the only way to Authenticate the card for us was to submit a charge on this card ($0.01)

#

So STRIPE has probably a special ability to Authenticate the card without making a charge

#

Thank you very much for clarification!

#

Can I ask you one more question?

keen token Oct 22, 2021, 3:48 PM

#

Sure!

fluid latch Oct 22, 2021, 3:50 PM

#

You said that CVC collected during SetupIntent will not be used when charging card later using PaymentIntent. Did I understand your correctly?

keen token Oct 22, 2021, 3:55 PM

#

Yes, correct

fluid latch Oct 22, 2021, 3:57 PM

#

So, anytime we confirm card payment with PaymentIntent for the card that was saver earlier (via SetupIntent), Stripe SEND credit card charge request to bank with BLANK CVC?

keen token Oct 22, 2021, 4:04 PM

#

Correct, which you would see by inspecting the checks on the payment method details of the future charge: https://stripe.com/docs/api/charges/object#charge_object-payment_method_details-card-checks-cvc_check

fluid latch Oct 22, 2021, 4:10 PM

#

In this case, does the bank may reject the payment when CVC is not sent?

#

In other words, if we don't re-collect CVC, will it mean that we have more rejected by bank charge? The reason I am asking is that:

#

I never enter CVC in my amazon account

#

only when card for set

keen token Oct 22, 2021, 4:12 PM

#

It's possible - issuers can reject for any reason they like really

#

Well, for help with questions like this I'd ask you to speak to our support team: https://support.stripe.com/contact

#

I can tell you how to recollect CVC in the SDk or check if it was checked, but can't really speak to optimization like that

fluid latch Oct 22, 2021, 4:13 PM

#

Amazon does not re-collect CVC, ebay does not recollect CVC

#

Understood!

#

Thank you so much for your help!

#

Sorry, you mentioned that you can help with re-collecting CVC

#

We have the following problem:

#

We are integrating STRIPE in the existing web checkout on our site

#

We save cards for future use and then customer can use saved card to checkout

#

On our current checkout CVC recollection is on one page (Payment Page), and order confirmation is on the next Page (Confirm Order Page)

#

Is it possible to recollect CVC value using Stripe ELEMENT on one page (Payment page), and confirm payment on the other page (Confirm Order page)?

visual venture Oct 22, 2021, 4:21 PM

#

catching up here one sec

fluid latch Oct 22, 2021, 4:21 PM

#

When we Create Payment with Recollected CVC token

#

When we call CreatePaymentIntent with recollected CVC token without setting Confirm to TRUE we get an error "The parameter payment_method_options[card][cvc_token] cannot be used when creating a PaymentIntent unless confirm is set to true."

#

However, we can't set Confirm to TRUE on this page because customer confirms the order on the NEXT page

#

sure

visual venture Oct 22, 2021, 4:55 PM

#

let me try something quickly

fluid latch Oct 22, 2021, 4:58 PM

#

thank you

fluid latch Oct 22, 2021, 5:27 PM

#

Just checking 🙂

fluid latch Oct 22, 2021, 5:43 PM

#

When we call CreatePaymentIntent with recollected CVC token without setting Confirm to TRUE we get an error "The parameter payment_method_options[card][cvc_token] cannot be used when creating a PaymentIntent unless confirm is set to true."
However, we can't set Confirm to TRUE on this page because customer confirms the order on the NEXT page

#

Is there a way to recollect CVC using STRIPE element on one page and CONFIRM payment intent on the other page?

alpine sparrow Oct 22, 2021, 5:44 PM

#

in theory, you collect the CVC on the page where the customer confirms/pay

#

if you want to collect it upfront, you have to store this id somewhere on your end and re-use it on the confirm at the next page

fluid latch Oct 22, 2021, 5:45 PM

#

We can't store CVC when collecting using ELEMENT

#

Also, PCI Complience does not allow to store CVC

alpine sparrow Oct 22, 2021, 5:46 PM

#

you can store the cvc token

fluid latch Oct 22, 2021, 5:46 PM

#

Yes

#

We do

alpine sparrow Oct 22, 2021, 5:46 PM

#

1/ Create the CVC token
2/ Store that token for a few sec in the next page
3/ pass that CVC token at the confirmation step

fluid latch Oct 22, 2021, 5:47 PM

#

Let me see

#

step 3) Will not work, because Stripe.JS stripe.confirmCardPayment accepts only card.cvc Element as parameter for payment_method_options and returns an error if we try to pass cvc Token as a value for cvc

alpine sparrow Oct 22, 2021, 6:02 PM

#

let me look

#

Damn you're right this won't work unfortunately. You either have to keep this on the same screen or you'll have to go back to your server to confirm first and then back client-side in case of failures

fluid latch Oct 22, 2021, 6:13 PM

#

Understood. Thank you very much!

alpine sparrow Oct 22, 2021, 6:13 PM

#

Sure thing, sorry for the trouble, it's definitely more work in a case like yours 😦

#gary4091-future-payments