sandyk - charges vs payment intents | Stripe Developers | Page 1

vernal island Feb 7, 2022, 9:25 PM

#

Hello, apologies for the delay in reply to this question. There are other functionality advantages I believe, I will check our docs on this.

#

Is there any particular reason you are considering updating or is this part of the research in to if you should?

thin arch Feb 7, 2022, 9:27 PM

#

Thanks @vernal island ! This is part of researching into whether we should switch

thin arch Feb 7, 2022, 9:54 PM

#

@vernal island I guess a more specific question is this - the payment intent api "Declines payments with incorrect card details or no funds" and "Declines payments with bank authentication requests". These are current capabilities on the Charges Api as well?

vernal island Feb 7, 2022, 9:55 PM

#

Sorry I dropped off this for a bit, was jumping between a couple other threads.

#

What doc are you reading those on? I want to make sure I am not assuming what they mean

thin arch Feb 7, 2022, 9:57 PM

#

Understandable!

this is the link https://stripe.com/docs/payments/without-card-authentication?platform=web#integration-comparison.

Card payments without bank authentication

Build a simpler integration, with regional limitations

vernal island Feb 7, 2022, 10:14 PM

#

Ah so what that table is trying to communicate is that the Charges API cannot handle bank authentication requests so charges that require it just get a decline. The PaymentIntents API is equipped to handle that flow https://stripe.com/docs/payments/payment-intents/upgrade-to-handle-actions

thin arch Feb 7, 2022, 10:34 PM

#

got it, thank you! One last question and I don't know if you would know this or is in this chat's purview. Are there any US payment regulations that would require the use of the PaymentsIntent api? It seems like this is only for European countries - requiring 3D authentication on card payments

"These APIs help you handle dynamic payments (for example, additional authentication like 3D Secure) and prepare you for expansion to other countries while allowing you to support new regulations and regional payment methods." <-- what are these "new regulations and regional payment methods" as it applies to the US?

source https://stripe.com/docs/payments/payment-intents#apis

bitter thorn Feb 7, 2022, 11:12 PM

#

Questions about regulations are better suited for our Support team :https://support.stripe.com/contact/email
We're mostly code junkies on this server.

thin arch Feb 7, 2022, 11:14 PM

#

thank you 🙏

#sandyk - charges vs payment intents