Batsare - SEPA

[hazy wolf]

Hi! Can you clarify your question?

[frank widget]

I can help, I made the same with SEPA mandates. You have to create "source" and not a "payment intent" to give the mandate properties to Stripe

  def make_default
    customer = Stripe::Customer.retrieve(context.customer_stripe_id)

    customer.source = context.bankaccount.id
    customer.save
  end

  def sepa_debit
    { iban: iban }
  end

  def metadata
    { app_id: id }
  end

  def billing_details
    {
      email: user.email,
      name: user.full_name,
      phone: user.phone_number,
    }
  end

  def mandate
    {
      currency: DEFAULT_CURRENCY,
      notification_method: 'email',
      acceptance: {
        type: 'online',
        date: Time.now.to_i,
        ip: user.current_sign_in_ip,
        user_agent: user.current_user_agent || DEFAULT_USER_AGENT,
        online: {
          ip: user.current_sign_in_ip,
          user_agent: user.current_user_agent || DEFAULT_USER_AGENT,
          date: Time.now.to_i,
        },
        status: 'accepted',
      },
    }
  end

  def create_stripe_payment_method
    Stripe::Source.create(
      sepa_debit: sepa_debit,
      type: 'sepa_debit',
      owner: billing_details,
      metadata: metadata,
      mandate: mandate,
      currency: DEFAULT_CURRENCY,
    )
  end

Here my Ruby code to create a SEPA stripe source with a mandate

Why not use Payment Intent ?

[frank widget]

Because the mandate should be filled by the user, and can not be automated with an Intent

The Stripe API didn't have inputs to do give mandate data on payment intent, only in source

https://stripe.com/docs/api/payment_intents/create#create_payment_intent-mandate_data

I know, but it doesn't work

This documentation is wrong

I'd already mention this to Stripe (without any response or changes)

Oh ...

In your example, you pass mandate ID ?

[strong ruin]

can you explain?

what error did you get?

[frank widget]

It work for me

[strong ruin]

you don't need to pass the mandate ID

if you collected the mandate when you created the PaymentMethod and saved it to the customer object, we know the mandate and it will just work

[frank widget]

Okay but i use "on_behalf_of" for payment intent

i need to run a new setup intent for each connected account ?

[strong ruin]

you would yes

since the mandate is tied to the merchant account processing the payment

so you can't do a SetupIntent on the platform, then process the PaymentIntent on_behalf_of various connected accounts, it just doesn't work

[frank widget]

You cannot collect yourself the mandate online or offline data then give them on a payment intent. I'd tried many times last year, and it never works, no mandate was registred. So perhaps it have been fixed since my last attempt 1 year ago, I didn't retry since, I works with Stripe source now.

[frank widget]

No error given, just no mandate data saved on Stripe.

[strong ruin]

@frank widget can we not talk about this in this thread?

if you have your own question please ask it in the main channel and I'll open a thread with you, it's confusing to have multiple unrelated people discussing issues in one thread :p

[frank widget]

Oh sorry, this question was not for me ?

[frank widget]

How can i verify if mandate exist for connected account ?

[strong ruin]

It's best to store that context in your own database so you know which connected account + payment methods are available

in the API itself it's not easy, the only way to know if a mandate exists for a given payment method is to look for SetupIntents that succeeded for it : https://stripe.com/docs/api/setup_intents/list#list_setup_intents-payment_method (and then check if https://stripe.com/docs/api/setup_intents/object#setup_intent_object-mandate exists)

[frank widget]

Okay, thank you.
For the credit cards, I don't need to redo a setup intent for each account connected ?

[strong ruin]

no