#mebezac-recurring-payments
topaz igloo
languid apex
- Successful one-off payment
https://dashboard.stripe.com/payments/pi_3KadEz2R3kkGxJkD16LCRWi9 - Failed subscription renewal: https://dashboard.stripe.com/payments/pi_3KZwtE2R3kkGxJkD0xH9Ha8W
same customer, same card
topaz igloo
Hi 👋 sorry, not familiar with what their referring to by "unspecified" off the top of my head. Thanks for providing those payment intents, please bear with me while I take a look at them.
languid apex
no worries, thanks!
languid apex
Hey, just checking that you're still looking into this?
topaz igloo
Yup, sorry about the delay, had a burst of questions mid-shift-change so things got hectic.
languid apex
no worries
If you need any more examples of failed payments:
- https://dashboard.stripe.com/payments/pi_3KZaYa2R3kkGxJkD0JLh1YI8
- https://dashboard.stripe.com/payments/pi_3KZYvp2R3kkGxJkD13TqlOcm
- https://dashboard.stripe.com/payments/pi_3KbnWP2R3kkGxJkD0wgkKkbX
- https://dashboard.stripe.com/payments/pi_3KbQBF2R3kkGxJkD0DeGjnTn
- https://dashboard.stripe.com/payments/pi_3KbPfi2R3kkGxJkD1OQiIjd2
- https://dashboard.stripe.com/payments/pi_3KZaYa2R3kkGxJkD0JLh1YI8
- https://dashboard.stripe.com/payments/pi_3Kbly62R3kkGxJkD0ARh4DkN
- https://dashboard.stripe.com/payments/pi_3KZb082R3kkGxJkD1o5AwgMs
- https://dashboard.stripe.com/payments/pi_3KbPHR2R3kkGxJkD0fJJnmDU
- https://dashboard.stripe.com/payments/pi_3KbW0S2R3kkGxJkD1iXWDo5o
topaz igloo
I'm not seeing unspecified mentioned anywhere on the related charge objects or in the conversations between us and the card networks, so I'm not sure what they're referring to.
languid apex
Doesn't help us resolve the issue, but does at least make me feel better that we're not dumb and missing something obvious that we messed up in our integration 😅
Something a team member of mine just found: https://www.santander.co.uk/assets/s3fs-public/documents/confirmation_of_payee_phase_2_commitment.pdf
Could Confirmation of Payee (CoP) possibly be related to our issues?
I don't know if you know much about that and if it could possibly be related at all?
topaz igloo
Haha, yeah, definitely don't think this was caused by anything you did.
languid apex
They also appear to be declining one-off charges that are too big?
topaz igloo
Digging through recent conversations that my team has had, we think it may be related to this change by MasterCard
https://help.qualpay.com/help/mastercards-decline-code-grouping-and-mac
Maybe Santander hasn't updated their flows to handle this change
languid apex
oooh, this is a very good lead, thank you!
topaz igloo
We're seeing an 82 decline code, which based on that doc maps to Policy Declines
languid apex
Is there a sub code from that list that you're seeing?
topaz igloo
No I'm not, but based on my reading of the doc I was assuming that those 6 codes are now all lumped into the 82 code rather than continuing to exist as their own unique codes.
But I may be reading that wrong.
languid apex
We've had a terrible time trying to contact anyone at Santander about this. I've got an email going with our old account manager (Stephanie Tran who is now in Issuing in London). They said they would try escalate my issue, hopefully someone has a contact at Santander? We've be relying on our non-tech savvy customers calling their bank because Santander refuse to talk to us because we're not customers of theirs.
I think you've cleared up the dev-facing question I had of Santander claiming we need to set "unspecified" (nobody knows what Santander is talking about) 👍
topaz igloo
Yeah, sorry I can't be of more help, but we have no insight or control in how issuers/card networks handle declines. Also, as my teammate mentioned, banks don't really listen to us 😦
languid apex
Gotcha, thanks for all your help!
You did provide some assurance and some good leads to chase down 🙏
have a good rest of your day!
topaz igloo
Happy to assist, hope you have a great day as well!