#borys - currencies

1 messages · Page 1 of 1 (latest)

cinder fractal
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Hello. One moment

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What payment failures are you seeing exactly? Just want to know exactly what the root issue is here

bronze kayak
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it is a billing subscription payments, the payments are being rejected with "Payment declined by the issuing bank" status, our subscriptions are created with payment_behaviour: "error_if_incomplete"

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before doing full support for SCA i would like find reproducible steps so i'm sure i fixed the issue

cinder fractal
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For this error message: "Payment declined by the issuing bank", I would encourage the customer to reach out to the issuing bank to find out what's the issue. The bank will be able to give more clarity for the root cause

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Or has that been done?

bronze kayak
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yea customer replied that it was all ok on his side, and also that the same card is used for other subscription payments.
we tried to recreate subscription with a trial, and during this trial user added creditcard using stripe checkout page in setup mode, after trial ended payment didn't succeeded

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we worry that other Indian customers (so far we had just few) will face same issue during their recuring cycle, and we want to be proactive and catch RBI issues sooner

cinder fractal
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Ok I see. So with your current flow, you don't support SCA?

bronze kayak
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yep we do not support it currently

cinder fractal
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Got it. And your customers' cards are from Indian issuing banks?

bronze kayak
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yep for example "HDFC Bank Limited"

cinder fractal
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Ok I see. So I just chatted with my colleague about this. E-mandate should still apply even if you're charging in other currencies (as long as the cards are from Indian issuers). To avoid increasing amounts of future payment failures, we highly recommend supporting this new flow as soon as you can: https://stripe.com/docs/india-recurring-payments

India recurring payments

Learn how the Reserve Bank of India (RBI) e-mandate guidelines affect you and how to update your integration to support them.

bronze kayak
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cool thank you for confirming that not only SCA is needed. Also on that page there are test cards, I was trying to use the very last card in this flow:

  1. created a stripe customer
  2. created a checkout setup session
    2.1 added that card via checkout page
  3. created a subscription
    3.1 updated subscription and invoiced the pending change

the test payments succeeded, should have they failed tho? I probably missing smth when using api

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the invoices for #3 and #3.1 where > 100USD and subscription creation and update was with "off_session": true

cinder fractal
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Can you share the request IDs for these API calls?

bronze kayak
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yea sure, let me go through it again to have it in order

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here are the requests

  1. create customer req_aY5gyowbT0Honu
  2. checkout session req_utzrat55x9LcOZ
  3. create subscription req_0SxywCV2VOXUXe
    3.1. update subscription req_WzIwIdC1MgrLUq
  4. create invoice from pending changes req_DO9GtN1Y1APCS9
  5. invoice pay (via dashboard) req_3M3mxVNu1CvdlA
cinder fractal
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Ok let me take a look

nova bay
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Hello! I think this may have succeeded because you manually paid the Invoice from the Dashboard instead of letting the Invoice finalize and attempt payment normally. Can you try again without using the Dashboard and see if it works as expected?

pallid jay
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@bronze kayak unarchived this for you

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was trying to reproduce as close to the real scenario as possible based on the comment from @nova bay
testing the last credit card 0065 from https://stripe.com/docs/india-recurring-payments that suppose to fail for any transactions that are done off-session (if I understand correctly)

  1. created trial subscription req_6Y1btk7tC30Bfd, added that 0065 card via stripe checkout in setup mode req_aGba9c3GZafyA8 , when trial ended the payment succeeded
  2. on a different customer with 0065 card, created an invoice from pending items req_hHRzn3fzz9b9OS after an hour invoice was finalized automatically and payment succeeded too

maybe these test cards will only fail if it actually goes through recurring billing (like the subscription renews on the new cycle), I haven't tested such use case

or everything is ok, and in these situation I tested the payments supposed to succeeed

thank you for you help!

pasted your msg

bronze kayak
pallid jay
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you can leave it!

cinder fractal
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Hello again. Taking over for hmunoz here

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Yeah I recommend testing on subscription renewal to see if the behavior is the same

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You could use a test clock for that

bronze kayak
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oh didn't know about that awesome!

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thank you!

bronze kayak
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omg this test clock feature is amazing

advanced the time so the new billing cycle started, but the payment still succeeded with the default payment method set to 0065 card

balmy cape
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Glad to hear you like test clocks!

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Are you not expecting this to work?

bronze kayak
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yea I am trying to find a way to test a failure scenario for RBI regulation

on the https://stripe.com/docs/india-recurring-payments page there is a card 0065 that has "During a recurring payment, this card simulates the scenario of the cardholder canceling the mandate." description so i thought that if i use it, and simulate charging customer with such card the payment would fail

I want to find a way to simulate such failure so i am sure that I fixed our product to support customers with Indian issued cards

balmy cape
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Hmm ok looking again

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Can you share the invoice where the recurring payment happened with that card?

bronze kayak
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invoice id: in_1KsuCM1WJGsEk3QvQB7N3kPz
invoice #: 14B11152-0003
or should i share the invoice pdf?

hexed ferry
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Hi @bronze kayak 👋 I'm taking over for synthrider. No need to share anything else as of yet, but give me a few minutes to get caught up.

hexed ferry
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Okay, I'm up to speed. At first glance this looks like an error on our end but I'll need to repro and file a ticket internally. Can you contact Stripe Support so that I can attach the ticket to an email thread and keep you updated?

https://support.stripe.com/contact/email

Make sure to mention my Discord handle (two-shoes) in the description of your first message and I can get back to you with updates as they occur.

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