[LBG] India - connect | Stripe Developers | Page 1

vale minnow Mar 14, 2022, 2:54 PM

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Hello. One moment

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Have you tried this in test mode?

vernal plinth Mar 14, 2022, 2:54 PM

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No

vale minnow Mar 14, 2022, 2:55 PM

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I believe it should work. Please try it in test mode first

vernal plinth Mar 14, 2022, 3:02 PM

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OK let me try

vernal plinth Mar 14, 2022, 3:19 PM

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Even when the Express account is rejected, I am still asked the password for the associated mail during onboarding for standard

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Should I wait a little ?

vale minnow Mar 14, 2022, 3:22 PM

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Doesn't look like you actually deleted it: https://stripe.com/docs/api/accounts/delete

Stripe API reference – Delete an account – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

vernal plinth Mar 14, 2022, 3:30 PM

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Seems to work 🙂

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I'll try on live (with partners account)

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Are you able to see my live objects if I send you one ? I have questions on rejected subscription payments

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And payment_intents

vale minnow Mar 14, 2022, 3:41 PM

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Yes. What's the object and question?

vernal plinth Mar 14, 2022, 3:54 PM

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A few weeks ago, we had problems with Subscriptions. We saw our churn explode because of unpaid subscriptions, 90% with "insufficient funds" bank reject messages. All our metrics went down, MRR, active subscriptions, etc. And the churn exploded. The best guess we did was the SCA, because we weren't SCA compliant. We operate in EU and were credit cards objects and not payment_methods that can be authenticated by the card issuer. Nothing was indicating that it would be SCA though, from reports like this one : https://dashboard.stripe.com/authentication?startDate=2021-12-13&endDate=2022-03-13 were not indicating SCA attempts at all. We bet on the hypothesis that as the card object itself can not be authenticated, the card issuer would never try to ask, therefore sending "default" reject messages. So we went SCA compliant creating payment_methods with off_session set to true. All our new payment_methods should now be SCA compliant. The same report shared upper shows that it has a positive effect. In fact, all our metrics are green, MRR going up again, active subscriptions as well, churn going down again. All good, but this makes me think that the bank reject messages are not reliable at all !

acoustic bay Mar 14, 2022, 3:55 PM

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Hey @vernal plinth, I'm stepping in here fro @vale minnow as he needed to step away. Can you share a specific subscription that saw one of these errors?

vernal plinth Mar 14, 2022, 3:56 PM

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I have a list of unpaid Subscriptions with a payment_method that should be authenticated, is there a way to know more about this ? Some samples (pi_3KbErSLJLkeHRLt11qLSJCp2, pi_3KcVxBLJLkeHRLt10zDce5Uz, pi_3KcSXMLJLkeHRLt11yaxjAOD,pi_3KcIWoLJLkeHRLt11zpIFO5N,pi_3KbV4RLJLkeHRLt11kDfXc3v,pi_3KcyBqLJLkeHRLt10DYPxP0M)

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Hi @acoustic bay, sorry for the long messages, I want to give as much info as I can to be efficient

acoustic bay Mar 14, 2022, 3:57 PM

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No that's great, thanks so much.

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Taking a look at one of the PaymentIntents

vernal plinth Mar 14, 2022, 4:02 PM

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ok

acoustic bay Mar 14, 2022, 4:07 PM

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So initially, SCA definitely could have been the issue. However, I can see that you are setting up these PaymentMethods with a SetupIntent now, so you are doing everything right.

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Insufficient Funds is one of the more common decline codes that an issuer uses.

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Nothing is jumping out to me as being wrong from your end.

vernal plinth Mar 14, 2022, 4:11 PM

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Is there a way to dig further in this ?

acoustic bay Mar 14, 2022, 4:12 PM

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Yeah, I'd contact Support about this. They can help with decline analysis.

vernal plinth Mar 14, 2022, 4:12 PM

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We don't have a rich target that is true but I am persuaded banks are blocking for unknown reasons

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Speaking about setupintent

acoustic bay Mar 14, 2022, 4:17 PM

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It is possible. Oftentimes the best way to get more info is actually to ask your cardholders to contact their banks as that is the only way to get the true reasoning from the issuer for why they declined.

vernal plinth Mar 14, 2022, 4:17 PM

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Ok

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I'll contact support to know more about this, but I don't think they really helped when I asked about it last time

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About setup intents, I noticed something. For every payment_method added, there is 2 setup intents canceled a few minutes after the one that succeeded

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I found this by looking at fingerprints logs, some sample : oq03cc1AKCRtndU4, mzkeEqVVcRogLfHQ, xdT5LZmml0AAFFQf

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Those fingerprints are source of paid but also unpaid subscriptions

acoustic bay Mar 14, 2022, 4:20 PM

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Can you provide the SetupIntent IDs for those 3?

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I'll look at the canceled ones to see if I can see anything

vernal plinth Mar 14, 2022, 4:23 PM

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seti_1KbnfFLJLkeHRLt1WAGCiUBG, seti_1Kc7jDLJLkeHRLt1gdtSp9ZQ, seti_1Ka8N2LJLkeHRLt1bPtPydFl

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That's the 3 unique succeeded ones

acoustic bay Mar 14, 2022, 4:26 PM

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Yeah so all 3 of those look to have successfully set up 3DS. This doesn't guarantee that the card won't decline for a different reason upon payment though.

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Sorry, I'm still not seeing anything here that doesn't just look like normal bank declines to me...

vernal plinth Mar 14, 2022, 4:28 PM

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How can you tell that 3DS has been asked from the logs of the setupIntent ?

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From this event ? evt_1KbnidLJLkeHRLt1i9GECHQz

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"status": "requires_action" and three_d_secure_2_source keys maybe ?

acoustic bay Mar 14, 2022, 4:34 PM

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Yep exactly, if it has a status: requires_action then that indicates 3DS is required.

vernal plinth Mar 14, 2022, 4:35 PM

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About the setupIntents, why a successful seti (seti_1KbnfFLJLkeHRLt1WAGCiUBG) is always followed by two seti canceled (seti_1KbnjNLJLkeHRLt1NUJxH3WM, seti_1KbnjOLJLkeHRLt1HQDBPWbE)

acoustic bay Mar 14, 2022, 4:42 PM

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Ah okay. You are using a trial period.

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With a trial period we provide you a SetupIntent upon Subscription creation.

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Take a look at req_1a9sCf5FGVePoR

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You can see we return you a pending_setup_intent

vernal plinth Mar 14, 2022, 4:45 PM

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Ok so that is normal behavior ?

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The first seti that is successful is to save the payment_method, and the others for subscriptions, but why 2 ?

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We only create 1 sub

acoustic bay Mar 14, 2022, 4:48 PM

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Oh interesting. Didn't notice those were from the same Sub creation.

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Let me look more

vernal plinth Mar 14, 2022, 4:49 PM

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Yeah it's not that obvious to link everything for a same customer

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Kind of stumbled upon it by chance

acoustic bay Mar 14, 2022, 5:04 PM

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Alright so this does look to be a bug.

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We shouldn't be creating multiple SetupIntents here.

vernal plinth Mar 14, 2022, 5:04 PM

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How so ?

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is that an error on our integration ?

acoustic bay Mar 14, 2022, 5:04 PM

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There should only be one pending_setup_intent created upon the Subscription creation.

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Nope, nothing wrong on your end.

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And no real impact to you.

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Just extra SetupIntents on your account.

vernal plinth Mar 14, 2022, 5:05 PM

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Coming back

acoustic bay Mar 14, 2022, 5:08 PM

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We are filing internally to get this bug fixed up. But yeah, shouldn't actually have any impact.

#[LBG] India - connect