Nanda-Kumar-MOTO | Stripe Developers | Page 1

inner bough Mar 21, 2022, 6:08 PM

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Hi there! Can you provide me a request ID where you are hitting this error?

slim merlin Mar 21, 2022, 6:09 PM

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payment intentid?

inner bough Mar 21, 2022, 6:09 PM

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The request ID (req_xxxxx): https://stripe.com/docs/api/request_ids

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A PaymentIntent ID works too if you already have that handy

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I can get the request iD from there

slim merlin Mar 21, 2022, 6:11 PM

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sure will provide

inner bough Mar 21, 2022, 6:11 PM

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Thanks!

slim merlin Mar 21, 2022, 6:16 PM

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req_MW4N7ahNTAbrY9

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basically I am using stripe in test mode

inner bough Mar 21, 2022, 6:16 PM

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Looking!

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Looks like your account wasn't correctly configured for MOTO with Direct Charges. I've updated it. Will you test again?

slim merlin Mar 21, 2022, 6:18 PM

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sure

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give me few minne

inner bough Mar 21, 2022, 6:19 PM

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no rush

slim merlin Mar 21, 2022, 6:22 PM

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The parameter payment_method_options[card][moto] cannot be used when specifying off_session.

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getting this issue now

inner bough Mar 21, 2022, 6:22 PM

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Yep, you can't specify off_session with MOTO. It is implied when you use MOTO that the cardholder is not able to complete authentication but they aren't technically off_session.

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(missed that you were passing that in your initial request, sorry)

slim merlin Mar 21, 2022, 6:25 PM

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the card holder is not in the payment flow coming to our scenario.

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then in that case we have to set off_session to true right?

inner bough Mar 21, 2022, 6:26 PM

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No, off_session is for when you as the merchant initiate the transaction on a recurring basis. This is still the card holder contacting you to initiate the transaction.

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By passing MOTO, we ask the card networks for an exemption from 3DS, just like we would with off_session. But you don't combine the params as they indicate slightly different things.

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You should use the proper one for what is happening. If the cardholder contacted you to initiate a transaction, then you should use MOTO.

slim merlin Mar 21, 2022, 6:28 PM

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In our case, always merchant initiates the payment transaction instead of the card holder.

inner bough Mar 21, 2022, 6:28 PM

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Okay, so why are you using MOTO here?

slim merlin Mar 21, 2022, 6:30 PM

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If card holder given the card to merchant, and that is 3D enabled card, then we want to bypass the 3D security

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and the card will be used in recurring transactions

inner bough Mar 21, 2022, 6:32 PM

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Got it and how are you collecting the card details initially?

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Like are these card details being provided over the phone/mail?

slim merlin Mar 21, 2022, 6:32 PM

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through Phone and another way is card older enter through a payment form

inner bough Mar 21, 2022, 6:33 PM

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Got it, thanks for clarifying!

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So, when you initially collect card details over the phone you will use MOTO.

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Then, for any future payments that use that paymentmethod, whether collected via phone or online payment form, you will not use MOTO but you will pass off_session: true

slim merlin Mar 21, 2022, 6:36 PM

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If the card is 3D security enabled, then without MOTO, I will get authetication_required error right?

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in future payment section

inner bough Mar 21, 2022, 6:37 PM

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Have you seen our docs on MOTO: stripe.com/docs/payments/payment-intents/moto?

slim merlin Mar 21, 2022, 6:37 PM

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yes

inner bough Mar 21, 2022, 6:37 PM

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MOTO cards will get a request to be exempted from SCA. So most often 3DS will not be required.

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However it is up to the issuer whether they want to enforce 3DS any way.

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So you will want to be able to bring your customer back on-session or collect new card details if needed.

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But this will be rare overall

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And yes, in that case you will hit authentication_required error.

slim merlin Mar 21, 2022, 6:42 PM

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Just I used test 3D card

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4000000000003220

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by using Moto flag true

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and setup_for_future_use = true

inner bough Mar 21, 2022, 6:44 PM

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Can you provide the request ID?

slim merlin Mar 21, 2022, 6:44 PM

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but the status for the ppayment_intent is "requires_action"

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req_tNjk2S6MhoEcrK

inner bough Mar 21, 2022, 6:46 PM

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Taking a look

slim merlin Mar 21, 2022, 6:56 PM

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any findings?

inner bough Mar 21, 2022, 6:57 PM

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So it looks like you are attempting to set up future usage on a previously saved card.

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Here you need to setup future usage on the initial PaymentIntent when you are collecting card details, or use a SetupIntent to collect the card details for future usage.

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So instead of creating the PaymentMehtod using the /v1/payment_methods endpoint, you would use a SetupIntent like in our docs here: https://stripe.com/docs/payments/payment-intents/moto#future-payments

slim merlin Mar 21, 2022, 7:00 PM

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In my product, creating payment method from JS code, then trying to charge the payment method using payment_intent API

inner bough Mar 21, 2022, 7:01 PM

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I think you can still use a PaymentMethod with that SetupIntent. Give me one sec to test on my end.

inner bough Mar 21, 2022, 7:17 PM

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Still doing some testing, but will circle back. Getting clarity on exactly what you should be doing here.

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Okay this threw me off for a while!

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You are actually using the wrong test card here :). That test card will always require Authentication.

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Instead, test with 4000002500003155

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That one will require Auth unless it is set up correctly.

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Yep okay works as expected with that test card.
1/ you create the PaymentMethod
2/ You use payment_method_options: { card: { moto: "True" } }, setup_future_usage: "off_session"
on the first PaymentIntent
3/ You charge that same customer/paymentmethod using off_session: true and removing the above params on future PaymentIntents.

slim merlin Mar 21, 2022, 7:30 PM

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Can I perform this flow?

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create a payment method using JS code

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Set the payment method while creating setupintent from API by setting moto flag true.

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Then try to charge the card by creating paymentIntent using API without MOTO flag

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is it work?

tranquil moat Mar 21, 2022, 7:44 PM

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Apologies I missed this thread for a bit. It sounds like the steps you listed are in line with the ones that bismark laid out.

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Wait, how are you currently creating the payment method without the setup intent?

slim merlin Mar 21, 2022, 7:47 PM

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using stripe.js

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createpaymentmethod

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function

#Nanda-Kumar-MOTO