#bit - sepa
vague kite
polar merlin
hi
vague kite
hey there
polar merlin
this is a huge problem for us, we have 100% of disputes, different clients, same bank... every dispute it's 7.85 € fee, and we have to deal with credit notes
and it's not the customer disputing, but the bank itself
when asking our customers to ask the bank why they did it, the bank refuses to give an explanation to them
vague kite
How are you integrated today?
polar merlin
it's all custom, with elements
we don't have any problem with credit cards
only with sepa, and only with one bank
vague kite
You can get the bank code from the charge.payment_method_details after the payment, but I'm not sure if this is available prior to that
Payment ELement or separate elements?
polar merlin
yes, I saw that... that's why I'm sure the bank it's the same... the bank code it's always that specific one
I guess "separate elements"... because I developed everything in js, creating the paymentintent, generating the secret key, etc
- obviously the server side code (.net)
but I wonder if there's some kind of filter I can set on Stripe, to prevent customers trying to pay with SEPA and that bank, to start the payment process
even because it doesn't gets rejected... it gets accepted, and then disputed
2 or 3 days after
vague kite
You're using the Iban Element?
vague kite
Excellent, in that case you have an option
You can set up a listener on the change event on the element, and the events will include the bankName when available
Then you can block payment for those customers, if that's your choice
polar merlin
ohh nice !
it returns the "bankName" I see
but not the bank code
but it's fine, I can get the exact name from dashboard
on the already failed ones
very good !
thank you so much
vague kite
no problem - hope that helps you with the issue you're having!
vague kite
So long 🐟
polar merlin
I can't find the exact name of the bank 😦
on the dashboard I can only see the bank code and branch code
I already added the event handler, so I only need to know how to access the bank name
if I give you the mandate id, would you have a way to check ?
vague kite
Hmm i do see that's a bit of a mismatch, which is feedback I'd like to file with the team here
Can you share an example payment intent ID?
polar merlin
pi_3KWnffDdn72I1qqY0a2hMkD7
vague kite
Hmm ok with the caveat that this is not a Stripe resource, I found this reference: https://www.upiqrcode.com/en/italy/codiceabi/1/2008/10/104/47970/12707/
polar merlin
yes I had a similar one
with all the bank codes with relative bank names
however, I don't know if it's exactly the same way it appears
also I have to find out if there are other similar banks containing the same substring
vague kite
I'm not sure either to be honest, let me try to get some info about this
polar merlin
like if I do "unicredit", maybe there's a "unicredit S.p.a" and a "Unicredit Second"
"unicredit union", etc...
ok, thanks 😉
vague kite
Yea i was going to say matching on that might be a hint
How do you complete your payments?
Do you use confirmSepaDebitPayment client-side?
In which case you should be able to use createPaymentMethod once the Element is complete (from the change event) to inspect the exact bank code:
https://stripe.com/docs/js/payment_methods/create_payment_method
https://stripe.com/docs/api/payment_methods/object?lang=php#payment_method_object-sepa_debit-bank_code
polar merlin
okkkeeey I see
vague kite
You can either do this alongside your flow or insert it as a step and switch your confirmation to pass the generated payment method ID:
https://stripe.com/docs/js/payment_intents/confirm_sepa_debit_payment#stripe_confirm_sepa_debit_payment-existing-payment_method
That way you can compare the exact codes, either all the time or when the partial string in the name matches only, up to you
polar merlin
nice ! so many solutions... please leave this thread open for a while, so I can take a look at it while finishing
vague kite
👍
vague kite
my pleasure - tricky but interesting!
polar merlin
heheh true 🙂 I understand you
I made a copy of this chat, for my future reference
by now, since I saw that there's only one "unicredit" I simply implemented a match
so I can publish and stop this issue
I'll keep your notes in my folder for future reference, or if I'll need to further improve it
I can't express all my gratitude to you and this fantastic channel of Stripe - it's amazing that developers can talk to other developers
without having to go trough call centers with ppl that does not understand anything I'm telling them
this really makes a huge, huge difference
vague kite
Thank you for saying so, I'm happy i was able to help you solve this ❤️