#driesvints-customer

1 messages · Page 1 of 1 (latest)

topaz depot
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👋 happy to help

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And will new invoices for subscriptions for recurring payments use the customer balance to pay for themselves?
I'm not sure but we could test it out

near temple
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Thanks @topaz depot , I appreciate it 👍

For the update, we'd still need to generate a pay link or something, correct?

topaz depot
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yes you could use any type of Payment (Checkout, Payment Link, etc.) and use the metadata to inform your webhook that this should go into the customer balance

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and do the update in the webhook upon payment success

near temple
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And if a customer wants a get back from their balance I guess we can do the same process and refund them with the amount on their balance

topaz depot
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that will be probably a bit harder to achieve IMO

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you could do refunds but I don't know if that can be the answer to your problem

near temple
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yeah seems a payment intent would be required

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maybe cash balances are a better resort?

clever lagoon
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Hey, taking over here!

near temple
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seems like bank transfers aren't available to India customers (which we're trying to help)

clever lagoon
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What's the underlying issue you're trying to resolve?

near temple
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We're currently facing serious problems with India RBI regulations. On a weekly basis we get multiple customers who can't start subscriptions or pay for recurring payments of their subscriptions

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We've tried everything we can think of and basically are desperate to find a solution for these

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Our next idea was to start working with customer balances to handle the invoice payments

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But preferable would want to find a solution that didn't go so far

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I now see there's a cash balance concept as well which might be more what we need. But it seems bank transfers aren't available in India yet?

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If you have any idea on how to solve the failing payments for the RBI failures, that would be super helpful

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I can't really find a solution from the guide above. From what I understand, the mandate solution is only for one-off purchases. We're working with subscriptions and invoices.

clever lagoon
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Can you share an example failing PI?

near temple
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customer cus_JXMz6I6HNxUKem has some

clever lagoon
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When were some of the problematic subscriptions created?

near temple
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basically we've been getting these issues for quite some time already. Not sure exactly when they started but talking months already

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maybe even a year

clever lagoon
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Checking on that customer you shared

near temple
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Is there a way to detect that the failure was a RBI failure so we can specifically notify customers that are affected by it? That way we don't have to recreate subscriptions for every single customer

clever lagoon
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I believe they just show up like regular declines (like what you're seeing). Frustrating I know

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Payment attempts there were made with a Source object (src_1L7iPU2niB1UWjcESpZauvsU)

near temple
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oh man, that's a good spot

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Is there any way to get a list of all customers with active subscriptions that are using the source api?

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There's also:

Currently, all issuing banks only support INR for subscriptions.

But we use USD. We can't change our currency... nothing we can do there?

clever lagoon
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Ah, I missed that on the Invoice you sent 🤦‍♂️

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Yeah that's an RBI limitation, unfortunately

near temple
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I mean: we dó have customers in India which are using recurring payments for subscriptions right now so I guess that's not entirely true?

clever lagoon
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Hmm, is there an example?

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Coming back to the last PI (pi_3L7gkM2niB1UWjcE0bAsBgv9), decline code was transaction_not_allowed

near temple
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How can I filter customers in Stripe which have payment methods that are from India origin?

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Also, I really can't imagine India customers cannot purchase anything anymore that's not in INR?

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That would be bizar and super hurtful to their own economy

clever lagoon
near temple
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Okay. I'll need some time to look for a specific customer. I don't have full access to our production dashboard.

clever lagoon
near temple
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Gotcha

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So one-off payments would work.

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But again: that would mean that any recurring payment for any digital SaaS service would require that SaaS to offer its products in INR?

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I just cannot fathom that that's a requirement

clever lagoon
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The limitation is not that they're recurring, but off-session I believe

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(which recurring generally are)

near temple
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yeah but that indeed just boils down to what I'm saying above

clever lagoon
# near temple But again: that would mean that any recurring payment for any digital SaaS servi...

Basically, yep! https://support.stripe.com/questions/rbi-regulations-affecting-payments-from-india-issued-cards

RBI regulations affecting payments from India issued cards : Stripe...

Find help and support for Stripe. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

near temple
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thanks for that. Didn't read that yet so let me read through it

clever lagoon
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There's quite a few article on the support site that breakdown the limitations and impact on merchants

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Good starting point. The docs are more how Stripe can help you work within the limitations

near temple
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In case of low recurring payment success rates, you can opt to automatically send invoices to your customers to bring them back on-session.
So, we tried sending a hosted invoice page (send_invoice) but received reports from customers that still had their payments fail. Again here I don't have a specific link but can ask for one when someone on my team comes online that has more access than me.

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Just want to say that I really appreciate all the help so far. This has been really insightful already

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What's your timezone btw? Just so I know how much time I have left today to shoot you a message.

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The person on my team lives in US so might be a while before I get an answer

clever lagoon
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So, we tried sending a hosted invoice page (send_invoice) but received reports from customers that still had their payments fail. Again here I don't have a specific link but can ask for one when someone on my team comes online that has more access than me.
Would love to see any example of that. My assumption is that the sub was created prior to October 1st

clever lagoon
near temple
near temple
glass crane
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it was yes

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to be clear the hosted invoice page creates Sources and uses them to pay the Invoice's PaymentIntent because it uses legacy code, I wish it didn't and it's feedback we raise a lot

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but I don't that's relevant to that PaymentIntent, which is just a normal card decline and not related to the specific integration

near temple
near temple
glass crane
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I don't think using the Sources API has any direct impact here, and send_invoice is meant to be the solution and if it didn't work I'd assume we'd notice it

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it's just confusing wording in https://stripe.com/docs/india-recurring-payments#limitations , it's probably trying to tell you that you can't use legacy integrations that create Tokens/Sources and pass them to the Charges API for recurring payments (when not using our Subscriptions) and have to instead process the payment with a PaymentIntent

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the API the card instrument token uses(Token tok_xxx/Source src_xxx/PaymentMethod pm_xxx) generally doesn't matter, it's what you do with the instrument, which in this case is passing it to a PaymentIntent which has a state machine to work with 3D Secure

near temple
glass crane
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it's not ideal that we create legacy Sources and pass them to PaymentIntent confirm(that's an escape hatch built years ago to make migration easier), it's just that way because the code on the hosted invoice page hasn't got updated

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I honestly don't know, this whole India area is a huge topic and not something I have much training on

near temple
glass crane
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good question, I don't remember

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I think they're not since I remember that annoying me, I'd have to test it though

near temple
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No worries at all. But can you maybe ask around if someone that does to jump in here and help out? I'm specifically looking for feedback/solutions with this India RBI thing because it's currently really affecting our business 😔

near temple
glass crane
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I'll test it in a while, answering some other threads, or you can test it in test mode too

near temple
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Appreciate you helping out btw 👍

glass crane
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part of my and ynnoj's job when not on Discord is answering support tickets that come in and get escalated to us from that intake form

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so it's not just sales no

near temple
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gotcha, fully understand

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Think you both are doing a great job 🙂

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I just need to get into contact with someone from Stripe to get a real thorough insight into this whole India RBI thing

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I'll try support or one of my other contacts

glass crane
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yeah you really need to pair with someone on this

glass crane
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ok I tested it and paying with a card on the hosted invoice page does save the payment method to the customer object

near temple
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Right, I suspected that

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That's a bit unfortunate as it creates a source type card on the customer.

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Something we always tell our own users to absolute avoid 😓

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Btw, something else. We're looking into a topping up system so India customers can top up their accounts and use that to pay for their invoices. Cash balances seems what we need but from what I understand India isn't supported for it yet? https://stripe.com/docs/payments/bank-transfers

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We can also look into rolling our own system with one time payments and customer balances but a dedicated system like cash balances would be better here.

arctic edge
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Yeah looks like it is only available in Japan at the moment and unfortunately I am not seeing anything about if/when it will be rolled out in India

near temple
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the thing is that we are based in the US and our India customers have issues. So I guess it needs to be rolled out to the US?

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It's just that our India customers need to have the ability to make the transfers and none of the 4 available bank transfer types are India-based

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But yeah, I guess this just isn't available yet for outside Japan

near temple
arctic edge
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Apologies for missing this question for a bit. For a specific failed payment, it would be helpful to provide the invoice or payment intent ID to our support team. They are better at looking in to failed payments from hosted pages like this https://support.stripe.com/?contact=true