#Sailesh-PaymentIntent
clever sapphire
Hey I think I was incorrect about the trasnfer_group ting
I redeployed and it's working fine, what doesn't work is our original setup which was:
payment_intent_data: {
application_fee_amount: <AMOUNT>
transfer_data: {
destination: <INDIAN_USER,
},
},
let me know if you still want a payment ID?
odd saddle
OK, so you are making a destination charge here. what's your original request?
clever sapphire
If our teacher (the destination) is from India, are we not allowed to do that?
""As per Indian regulations, only registered Indian businesses (i.e. sole proprietorships, limited liability partnerships and companies, but not individuals) can accept international payments. More info here: https://stripe.com/docs/india-exports"" is the error message
odd saddle
I need the PaymentIntent ID so I can see what request were you making.
clever sapphire
hmm how do I find it? The request throws an exception
so it doesnt show up in stripe payments dashboard
odd saddle
Or can you share the request ID (req_xxx)? Here's how you can find it: https://support.stripe.com/questions/finding-the-id-for-an-api-request
odd saddle
OK, the price is in a foreign currency (e.g., USD), and that's why you need to fulfill the Indian regulations.
clever sapphire
So if I understand correctly, if we have a class in USD and the creator of the class is from India, then we need to be registered in India to do a destination charge to them?
If they create the class in their local currency, like rupees, then we wouldnt need to register?
odd saddle
It's the destnation account (i.e., the destination that you specify in the request) who needs to be registered as Indian businesses in order to accept payments in other currencies.
clever sapphire
Ok so the destination account in our case is the one who initiates "creating" the class (the product).
So hypothetically he could make his class in INR, or register as a business to accept payments in other currencies
If he made his product INR, but then a user from US tries to pay it, will that be considered payment in other currency or does Stripe convert it?
odd saddle
In this case, this transaction is not made in foreign currency so this regulation dosn't apply. However, it's strongly recommended to localize the presentment currency for the overseas customers to achieve higher charge success rate, as the doc described blow.
When your customer is based outside India, it’s a good idea to localise your presentment currency to match that of the customer’s card (for example, USD, EUR, JPY, and so on). This ensures a higher likelihood of a successful charge by the customer’s card issuing bank, as opposed to presenting in INR, which in some cases may be declined with a generic decline code, due to a mistaken perception of a fraudulent charge.
Got it - can you clarify further if that would be considered accepting payments in other currencies?
If teacher is India, makes a class in INR.
US user wants to buy the class, and pays in USD.
Will this charge be rejected in the current system since teacher is not registered?
odd saddle
The charge could be rejected but the reason is the presentment currecnty, not the business registration.
clever sapphire
No I'm saying the US user would pay in USD, wouldnt the currency match the card then?
odd saddle
If the Indian mercahnt want to accept the foreign currency, then they needs to regsiter as business as per Indian regulations.
clever sapphire
Sorry I'm still not following. We create a product, and then the customer creates a session they go through.
The product is the one that has a currency specified, not the session, as far as I can tell. So in this case, if the product is created with INR, but a US user is seeing it, how is the presentment currency calculated?
odd saddle
No problem, let me walk you through the two use cases here.
clever sapphire
To make it a concrete example:
Teacher is in India - creates a stripe product for 200 INR.
US user wants to purchase, so sessions API is called with the product ID.
odd saddle
It all depends on the currency the associated with the product
- If the currency is in INR -> The Indian merchant doesn't require to be registered as businees -> The US user can try to purchase it in INR but the purcahse may fail
- If the currency is in USD -> The Indian merchant requires to be registered as businees -> The US user can purchase it in USD
clever sapphire
Ah ok, but if the currency is in USD isn't is possible an Indian user will try to purchase it in USD and it could fail?
Or is it more a problem specifically for INR
odd saddle
I'll recommend to create two prices, one in INR and one in USD, for local and international customers respectively.
clever sapphire
So two separate products?
odd saddle
You can have multiple prices for one product.
clever sapphire
Ah yea sorry
but then when a user checks out, we would detect which price to show based on their country?
not to show sorry, which price to use as the session
odd saddle
Stripe can't help you decide which price (INR or USD) to use, you have to specify it when creating the checkout session.
So when you detect the customer is from India, you can pass in the INR priceId.
clever sapphire
Yea that's what I'm asking - but hypothetically let's say we had users from all over the world. How many prices should we be creating haha?
odd saddle
It's really up to you, depending on how much localization you want to build into your application.
clever sapphire
We aren't concerned with localization in the sense of what we show users, we just need the payments to succeed and ideally not need every teacher to register as a business
Because I understood what you said to mean if the currencies don't match it's high likelihood they fail?
odd saddle
Yes, that's possible.
clever sapphire
So do production companies that have international payments have products with tons of prices?
Seems very high lift?
Wait even if this class had two prices, one in INR and one in USD, then the teacher would still need to register as a business since they are accepting USD?
odd saddle
Yes you are right, you need to register as businees if you want to accept any foreign currencies, not just USD.
clever sapphire
As in incorporating and all that stuff? Like an LLC essentially
Dang.
So the production recommendation here is for all products to have prices for tons of different currencies right?
And then have all individuals register as businesses?
odd saddle
it depends, if your customers are from a few countries, then you can create currencies for those countries only,