soto-prepaid | Stripe Developers | Page 1

vivid herald Apr 14, 2022, 4:53 PM

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Hi there! Mostly HSA/FSA is dependent on your MCC for whether those cards are supported. I'd recommend talking more to our Support team about MCC and HSA/FSA support specifically: https://support.stripe.com/contact/login. We don't have a lot of recommendations on pre-paid cards in general... they shouldn't really behave differently than credit cards in terms of failures. Do you have an example PaymentIntent where you are seeing the PaymentIntent succeed but the card fail? I'm not sure what exactly you mean by that but an example may help

hoary light Apr 14, 2022, 5:00 PM

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Yes I do. For instance if I use a prepaid card with 0 balance, the payment still will go through but then the card is declined, which does not happens with a normal debit or credit card.

It is hard to reproduce this because the only way I can do it is with the production site, since I don't have a staging prepaid card failed number.

vivid herald Apr 14, 2022, 5:00 PM

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Do you have a production example?

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What do you mean "the payment goes through but the card is declined"?

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Declines are synchronous

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So payment would fail if there is a decline

hoary light Apr 14, 2022, 5:04 PM

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Well actually in this case, create a subscription and attach the payment method to the subscription.

If I attach a normal credit or debit card, the failure is catch with the subscription creation, however if I attach a prepaid card it does not catch the decline.

vivid herald Apr 14, 2022, 5:05 PM

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That is not true so you must be doing something different here.

hoary light Apr 14, 2022, 5:05 PM

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By bad here, I didn't specify subscriptions for this case.

vivid herald Apr 14, 2022, 5:05 PM

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Credit vs. prepaid functions exactly the same in that both will run a check with the issuer when they are attempting to be authorized and then we will succeed or fail the payment based on the issuer's auth or decline.

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I'm happy to help troubleshoot if you are seeing differing behavior but actual examples would be really helpful here.

hoary light Apr 14, 2022, 5:06 PM

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the thing is that I am struggling to test since I don't have a staging prepaid card

vivid herald Apr 14, 2022, 5:06 PM

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You can also find prepaid card examples in our test card docs: https://stripe.com/docs/testing#cards

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5105105105105100 for instance

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But that really shouldn't matter here.

hoary light Apr 14, 2022, 5:08 PM

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That one doesn't work because it is a card for successful cases, I need one for decline cases, just like this one 4000000000009995 (insufficient_funds)

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but this one does not work because it is not prepaid

vivid herald Apr 14, 2022, 5:09 PM

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Okay yeah we don't have a specified prepaid decline card.... but the behavior should be no different than any of the decline cards.

hoary light Apr 14, 2022, 5:10 PM

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that's what I don't understand, because we have had cases in which the behavior changes, at least with our setup

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this situation only happens with prepaid cards.

vivid herald Apr 14, 2022, 5:10 PM

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Are you using a SetupIntent?

hoary light Apr 14, 2022, 5:10 PM

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nope, I am using subscriptions.

vivid herald Apr 14, 2022, 5:10 PM

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Sure but how are you collecting cards?

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Like are you collecting them and attaching to a customer ahead of attempting payment?

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Can you share an example subscription that I can look at?

hoary light Apr 14, 2022, 5:11 PM

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payment method

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sure thing!

vivid herald Apr 14, 2022, 5:11 PM

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There is likely a different reason here that you are misconstruing with prepaid being responsible

hoary light Apr 14, 2022, 5:11 PM

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I'll share with you the process, just a minute

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got it

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So it is an HTTP request and these are the parameters

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We update the customer payment method

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Then we create the subscription

vivid herald Apr 14, 2022, 5:15 PM

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Can you provide a Subscription ID from one of your tests that I can look at?

hoary light Apr 14, 2022, 5:15 PM

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sure thing!

vivid herald Apr 14, 2022, 5:15 PM

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And how much is the promo?

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Is the first invoice free here?

hoary light Apr 14, 2022, 5:16 PM

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is a fixed amount of 10$ off out of a 30$ fee

vivid herald Apr 14, 2022, 5:16 PM

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Got it

hoary light Apr 14, 2022, 5:17 PM

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Subscription ID sub_1Knr0jIOU333jqng7MEHCiVr

vivid herald Apr 14, 2022, 5:22 PM

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Okay so I have a hypothesis of what is confusing you

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In your flow you collect a PaymentMethod and attach it to your Customer object in order to set the invoice_settings default.

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When you attach PaymentMethods to Customers, sometimes a card validation is triggered. See: https://support.stripe.com/questions/check-if-a-card-is-valid-without-a-charge

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So my guess is that you are misconstruing times where that validation is skipped, and then the card eventually fails on the Subscription payment when a card validation is always done, with prepaid being the reasoning.

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Whereas really this can happen with prepaid or credit regardless.

hoary light Apr 14, 2022, 5:26 PM

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Got it!, that helps a lot!.

Thank you so much @vivid herald . This is really helpful. Once I finish solving the issue I'll get back to post the solution that made the trick. 😅

#soto-prepaid