#cory - RBI payments
boreal sentinel
dreamy prairie
If we only have a few customers in India, is it really worth updating the system seeing how it isn't really fleshed out yet?
I dont want to jump the gun and update a complex system when it's not fully developed yet
if that makes sense
boreal sentinel
Hey there, you can find our guidance for these payments here: https://support.stripe.com/questions/rbi-regulations-guide-for-direct-payments-users
In general, you must not use off session payments, as these are expected to fail
As long as you conduct your payments as on session to allow 3ds support, that should be all thats needed.
dreamy prairie
Ok, we updated for 3DS support when the UK stuff came about
Is that good enough?
How can I tell if someones payment is failing due the RBI regulations? I have someone from india who's payment is failing but I don't know if it's the regulations or not
boreal sentinel
Yes, its the same integration -- you just need to avoid using off-session payments
boreal sentinel
This is when you have previously authenticated a card and are charging your customer while they are offline, and you want to do so wihtout authenticating again
https://stripe.com/docs/api/payment_intents/create#create_payment_intent-off_session
This is not possible for indian cards because authentication is required for every payment
dreamy prairie
oh ok yea we have 3DS already setup
back to my previous question
How can I tell if it failed due to the new regulations?
oh I forgot to say
Does off session count as subscription?
Currently they sign up and are subscribed on monthly basis
and are automatically charged each month
does that auto-charge count as "off-session"?
I remember with the UK, it was that, as long as they had the initial 3DS secure signup, the rest would be auto-authorized, is that he case here?
Sorry lots of questions, just trying to figure this out, very confusing
timber flame
Hello! Taking over for @boreal sentinel, catching up now...
How can I tell if it failed due to the new regulations?
The payment will be declined because authentication is required.
Does off session count as subscription?
Currently they sign up and are subscribed on monthly basis
and are automatically charged each month
does that auto-charge count as "off-session"?
Yes, those recurring charges count as off-session because the Customer is not present.
dreamy prairie
it just says, "declined by issuing bank"
timber flame
I remember with the UK, it was that, as long as they had the initial 3DS secure signup, the rest would be auto-authorized, is that he case here?
No, that is not the case here. Nor is it the case for UK, really. In the UK you can set up a method of payment for future use; that often triggers an initial 3D Secure prompt which significantly reduces the chance 3D Secure will be required later, but authentication can still be required for any later payment at any time.
dreamy prairie
oh wow
timber flame
Have you read through all of the content here, including the information on the four linked pages as well? https://support.stripe.com/questions/rbi-regulations-context-and-faqs
dreamy prairie
Yea I read through it
man, so customers will have to re-pay every month? Doesn't that negate recurring subscriptions essentially?
Once banks in India migrate to new systems, we will be able to support our users in registering e-mandates and issuing pre-debit notifications to customers. We will also trigger dynamic authentication, allowing your customers to complete 3DS only when required (e.g., for transactions above the RBI’s threshold).
timber flame
It makes the situation difficult, yes.
dreamy prairie
So really, it is best to wait if you have limited number of customers in India
timber flame
That's entirely up to you.
dreamy prairie
ok thx for the info