#Jonas Reif - flexible payments
wicked cedar
Installment payments we already have a couple options for like Afterpay https://stripe.com/docs/payments/afterpay-clearpay
Actually all consumer cards support it in Mexico https://stripe.com/docs/payments/installments
Looking in to your question more broadly though. Are you looking to do one or both of those at the moment?
Apologies, that was poorly worded, I'm not necessarily saying your use case is addressed with those installment options.
plain quail
Thanks for the quick reply.
I think a Intallment Provider like afterpay or Klarna does not make sense for us. They are quite expensive for customer. But more important they are not supported in all countries where we offer our products (e.g. switzerland).
One example:
A user is redirected to a Stripe Checkout page.
Here he can choose between making a one-time-payment of 300€, or he can make a split/installment payment of 100€ for 3 months.
If he chooses one-time-payment then all available payment methods are shown to the user. After payment he is beeing charged just once.
If he chooses split/installment payment (then the price data are updated) and only all payment methods which supports recurring payments are shown (e.g. sepa, card etc) and he is charged 3 times.
So its kind of a way to show different "Prices" in Stripe Checkout.
The same principle will also apply to subscriptions: Would be awesome if there is a way to show different prices for a subscription in Stripe Checkout.
One use case: You want to offer a yearly subscription with yearly payment and a yearly subscription with monthly payment.
wicked cedar
Gotcha, thank you for elaborating. Yeah unfortunately I think you are right that we don't have built-in ways to do that without at least a bit of custom code.
Trying to think a bit more on this.
On your last point, you actually can do something like that in Checkout with upsells https://stripe.com/docs/payments/checkout/upsells
sly schooner
As for the installment payments, you can build support for something like this yourself using subscription schedules: https://stripe.com/docs/billing/subscriptions/subscription-schedules/use-cases#installment-plans
But Checkout does not support schedules today, so there is no way to present that payment plan to your customer via checkout
plain quail
Thanks 🙂
I think the Upsell is great., but not what we are looking for in this specific Use Case.
The problem on "a bit code" is, that you then are also not able to use some features like StripeTax, Coupons, AddressValidation etc..
sly schooner
If you mean for one time payments, the yes today Stripe Tax is only supported via checkout for one time payments. For this you'd want to use one of the available split payment methods
But if you're building your own installment plan via a subscription schedule, then subscriptions do support automatic tax/stripe tax
warm hinge
plus even I enable klarna or afterpay in stripe I can not see it in my shopify store !
plain quail
Subscription Schedule might be a good way.
How could you enable StripeTax on SubscriptionSchedule?
sly schooner
its on each phase of the subscription
or you can set it as the default for all phases: https://stripe.com/docs/api/subscription_schedules/create#create_subscription_schedule-default_settings-automatic_tax
plain quail
ok great, thanks 🙂
Is there also somewhere a demo/tutorial to use Subscription Schedules with Stripe PaymentElement or PaymentElements not working with Subscription Schedules?
sly schooner
So it would be the same as with a normal schedule, but unfortunately thats not currently fully documented
But at a high level it works like this:
First option would be collectingthe payment method up front with a setup intent like seen here: https://stripe.com/docs/payments/save-and-reuse?platform=web#web-collect-payment-details
then setting that as the customer default or creating the subscription schedule using that payment method for the subscription: https://stripe.com/docs/api/subscription_schedules/create#create_subscription_schedule-default_settings-default_payment_method
sly schooner
The other option is a bit involved:
1/ Create the schedule without a payment method, and use expansion to get the subscription and get the latest_invoice ID:
https://stripe.com/docs/api/expanding_objects
2/ Finalize that invoice ID and get the payment_intent
https://stripe.com/docs/api/invoices/finalize
3/ Update that payment intent to set setup_future_usage=off_session to have the payment method attached and ready for use on future recurring payments and get the client_secret from the response
https://stripe.com/docs/api/payment_intents/update#update_payment_intent-setup_future_usage
https://stripe.com/docs/api/payment_intents/object#payment_intent_object-client_secret
4/ Use that client_secret to confirm the payment intent in your client application
https://stripe.com/docs/payments/accept-a-payment?platform=web&ui=elements#web-submit-payment
5/ After that payment succeeds, you need to set the newly attached payment method as the customer default or the default for the subscription
The other escape hatch here is using Checkout to create a subscription and then convert that to a schedule afterward using from_suscription but there will be no information about the schedule or fixed iterations of installments shown to your customers at Checkout so you would need to communicate expectations to them clearly
https://stripe.com/docs/api/subscription_schedules/create#create_subscription_schedule-from_subscription