nash - Setup Intents vs. Payment Intents | Stripe Developers | Page 1

candid thunder Feb 28, 2022, 10:49 PM

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Hello! For the scenario you describe using a Payment Intent with setup_future_usage would be best: https://stripe.com/docs/api/payment_intents/create#create_payment_intent-setup_future_usage

thin tulip Feb 28, 2022, 10:50 PM

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Hmm, ok so for when a customer doesn't have the bill due, we'd just use Setup Intent. But if the bill is due, switch to Payment Intent with setup_future_usage. Is that right?

candid thunder Feb 28, 2022, 10:53 PM

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Yep!

thin tulip Feb 28, 2022, 10:54 PM

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OK, related question, would we run into scenarios where the user still needs to authenticate with 3DS when we charge future recurring transactions? Even if we set setup_future_usage to off_session?

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Reason I ask is because there are test cards like 4000002760003184 that do so, and I want to make sure we handle properly.

candid thunder Feb 28, 2022, 10:55 PM

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Yep, card issuers can request 3D Secure at any time for any reason. Using a Setup Intent or a Payment Intent with setup_future_usage significantly decreases the chance off-session payments will require authentication, but it doesn't eliminate it (nothing can).

thin tulip Feb 28, 2022, 10:56 PM

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Cool. So how would we handle such a scenario?

candid thunder Feb 28, 2022, 10:56 PM

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You should always be prepared for an off-session payment to fail because it requires authentication. In those cases you need to bring the customer back on-session to try the payment again.

thin tulip Feb 28, 2022, 10:56 PM

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So we'd send him an email with a link to authenticate?

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Any documentation that describe this specific scenario?

candid thunder Feb 28, 2022, 10:57 PM

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It's not usually a link to authenticate, it's often best to bring them back to a payment page of some sort that allows them to try again with the existing method of payment while on-session or provide a new one if they wish.

thin tulip Feb 28, 2022, 10:58 PM

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I see. So a 'your card failed' email with a link to a payment form where they can re-enter to go through 3ds.

candid thunder Feb 28, 2022, 10:59 PM

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Yep!

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An off-session payment that requires authentication is really just a decline, so it should be handled more or less the same way.

thin tulip Feb 28, 2022, 10:59 PM

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aha

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OK, awesome.

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Thank you.

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Do you have any stats in relation to how many 3ds fail off sessions?

candid thunder Feb 28, 2022, 11:01 PM

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Nothing we can share, but even if we could they wouldn't be useful to you. It depends on many factors specific to your situation, so there's no blanket guidance or ballpark I can give you.

thin tulip Feb 28, 2022, 11:01 PM

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Cool. Thanks again 🙂

#nash - Setup Intents vs. Payment Intents