#mattjohnson - SCA Payments

1 messages · Page 1 of 1 (latest)

civic adder
valid cypress
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Okay. So one question I have, is can I only use one of those, or do I need to use both?

civic adder
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Not sure I understand. One of what?

valid cypress
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Our current flow looks something like this:

  • Add items to cart. This includes subscriptions and products from multiple vendors. Some of our vendors are international, which has led us to doing some of what we are doing.
  • The user gets a total for everything they are purchasing and then has the option to enter a new card, or use one of the saved cards (Sources).
  • We take their card and create a Source and tie it to a new or existing Customer.
  • We add each item to an invoice with as an invoice line item.
  • The invoice gets paid
  • We receive the invoice.paid webhook, and from there we create stripe subscriptions for each item that was a subscription, giving a 100% discount for the first billing period since it was paid for in the invoice.
  • At this step, we also loop through the invoice items and pay each vendor what we owe them, taking a percentage
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So my question about PaymentIntents and SetupIntents is how does this work into this flow. If a user checks out with a subscription and a product in the same cart, do they need to pay us with a "PaymentIntent" and then we set up the sub with a SetupIntent, which might require the user to enter a card twice?

civic adder
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Invoices and Subscriptions already use Payment Intents and Setup Intents behind the scenes, so it sounds like you may only need to adjust how you collect card information (switch from Sources to Payment Methods) and handle how you confirm payments client-side (to support next actions/authentication/3D Secure on Payment and Setup Intents).

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To clarify, the Invoice you're talking about is a Stripe Invoice, right? Or is it your own custom invoice?

valid cypress
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Okay thank you. Yes it is a stripe invoice. This is definitely where my knowledge of stripe gets very hazy

civic adder
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I'm happy to help clarify things further if I can!

valid cypress
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We do currently have support for client side next actions, and I can confirm that the 3DS test cards work on our test store. But we also currently are using Sources, so I'm not sure how this plays into it

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I was under the impression that we were SCA compliant until we had the one case where it said it wasnt

civic adder
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For backwards compatibility Sources can be used as if they were a Payment Method in most cases, although we do recommend switching to Payment Methods for new transactions/customers/etc.

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If you can provide the ID of the transaction that didn't work as expected I can take a look.

valid cypress
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Okay so it sounds like this might be a fairly painless process to transition to Payment Methods.

civic adder
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Based on what you've said so far, yeah, hopefully. I am curious about the one that failed and caused the notice though.

valid cypress
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And I wish I could give you an ID but I could never find one. We got a support request saying they couldnt pay, it looks like their bank is declining the transaction, and we got a notice in the dashboard, but I could never find a failed payment. Not sure if I'm just looking in the wrong place or what

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civic adder
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Do you have the Customer ID?

valid cypress
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No it doesnt show up there. I do see other failed payments, but not that one

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Maybe there is a different issue causing that one card to not work. I just cant think of what it would be

civic adder
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Yeah, it's hard to say without seeing the transaction... 🤔

valid cypress
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Looking...

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All I can find is the invoice

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in_0K7zVTtqfAMkpBymdykjAdcQ

civic adder
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Looking...

valid cypress
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This was his request to us:

I’m trying to purchase [Product], but can’t seem to complete the checkout.
Using the saved card, the page just refreshes without any indication.
When trying a new card, I get the following error message:
“We were unable to complete your transaction.
Please fill out all the required fields.
Please try a different form of payment or call the number on the back of your card for details. You may also email [email] if you need assistance completing your purchase.”
I am 100% sure I’ve filled in all the fields.
Could it be a problem with using a Singapore-issued credit card on a Italian mobile internet?

civic adder
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As far as I can tell this Invoice wouldn't be related to the SCA banner you saw in the Dashboard.

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However, if something failed to finalize this Invoice that could possibly have caused another issue?

valid cypress
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Okay. I'm wondering if this specific issue is JS related then? Like it never even got to the next step and attempted to pay the invoice

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Looks like this was his attempt at adding a new card, but something happened before it could get used

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req_393OQfydYJpejP

civic adder
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Possibly. It's hard to say based on just the Invoice; I'm only seeing that one single creation request coming to us.

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Yeah, that Token was never used for anything as far as I can tell.

valid cypress
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Looks like there was a second attempt at adding the card:
req_X0BdmHa9yjDeqZ

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But again, dont think that was used either

civic adder
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That one hasn't been used either.

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Looking through your recent request logs nothing jumps out as me as something that would have caused the 3D Secure/SCA flag. You're using the SKUs API, which is also pretty old, but I don't think that would cause issues with payments based on what I'm seeing.

valid cypress
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Okay thanks for taking a look. I'm a little more confused than I was when I started honestly. I thought this was SCA related and changing source to payment method would solve this problem...

civic adder
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That doesn't appear to be the case based on the Invoice and requests you showed me. I recommend you write in to support and ask them why the SCA banner appeared on your account: https://support.stripe.com/contact

valid cypress
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Okay thanks for the suggestion, I'll try that

civic adder
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Happy to help! If you need anything else let us know!