#mgreenw - PM Creation

1 messages · Page 1 of 1 (latest)

real plinth
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HI 👋

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The Payment Method will be considered "consumed" if it is used in a charge without being attached to a customer.

plucky lark
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Does the payment method ever "expire" (other than the card expiring) or is it possible to "consume" it at any time (say 6 months) after it is created?

real plinth
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You can use it 6 months after creation but the issuing bank may require re-authentication from the customer.

plucky lark
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Would that authorization be different than what is required if the payment method is attached to a customer?

real plinth
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Not really. It's just the bank would want confirmation from the customer, similar to a 3D secure process

plucky lark
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we're taking pre-orders and not charging cards until orders are delivered so we're already unable to handle the 3D secure at this point

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in this case, is the a difference between using a setup intent vs the stripe.createPaymentMethod function?

real plinth
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Well if you create Customers and collect email addresses you can bring the customer back on-session.

plucky lark
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Would it help to use a setup intent with usage: "off-session"?

real plinth
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The Setup Intent is the recommended process as it is more explicit about what you are trying to do

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The whole purpose of that record is to create a Payment Method for later usage.

plucky lark
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Right ok

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do you know if stripe.createPaymentMethod will go bank authorizations on the client when called, or only setup intent flows?

real plinth
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That is up to the bank. It's a response Stripe receives from their APIs that trigger it and they have the discretion to require re-auth whenever they want.

plucky lark
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Ok thanks so much!