cojocaru3-cartesbancaires | Stripe Developers | Page 1

lime gorge Jun 13, 2022, 9:38 AM

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Hi there!

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First question: Is this required or optional?
Stripe will automatically prefer CB for eligible cards if the card brand choice parameter isn't set

abstract condor Jun 13, 2022, 9:43 AM

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Thanks, just to confirm:

Since June 2016, EU regulation mandates merchants and acquirers to follow consumers’ card brand choice for payments made with co-badged cards (for example, cards branded with both Visa and Mastercard and a local scheme such as Cartes Bancaires).

In practice, this means that merchants must allow customers to select their preferred brand in a payment form. Merchants can set a default brand choice as long as customers have the option to change that choice.

Second quote - will Stripe allow customers to change the scheme somehow? If so, can I find an example where they can change it? I suppose it should be in the Billing Portal somewhere?

lime gorge Jun 13, 2022, 9:56 AM

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Hum, to be honest I'm not sure. Looking into this...

gray meadow Jun 13, 2022, 10:10 AM

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yeah the problem is the integration for that assumes you're using more legacy ways of integrating where you create the PaymentMethod first and then pass it to a backend to charge, and not the current flows where you confirm directly on the frontend.

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I honestly don't know what the expected integration is, I'd suggest writing an email to https://support.stripe.com/?contact=true so we can dig in with the product team on the expectations.

Second quote - will Stripe allow customers to change the scheme somehow? If so, can I find an example where they can change it? I suppose it should be in the Billing Portal somewhere
well no, it's a per-payment setting I believe. It's not actually talking about a default in Stripe, it's talking about you having a default in your system and then you can pass that as payment_method_options on each charge you process, for instance.
Unfortunately all those docs are not written for the default integrations that most merchants have.

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my guess though is if you want to support this explicitly you need to use a more complex integration where you e.g.

create subscription with latest_invoice.payment_intent
on the frontend, call https://stripe.com/docs/js/payment_methods/create_payment_method
check the available networks
call https://stripe.com/docs/js/payment_intents/confirm_card_payment#stripe_confirm_card_payment-existing

instead of the default of just calling confirmCardPayment directly with Elements

abstract condor Jun 13, 2022, 10:21 AM

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Thank you for this detailed reply, I will send an e-mail as you advised.

That's what I was thinking about integration, but was hoping maybe it's not needed 😄

I haven't really seen anyone providing a dropdown to choose payment scheme, but I also don't have CB.

gray meadow Jun 13, 2022, 10:24 AM

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I don't think we have any such dropdown in any of our hosted payment surfaces

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I think basically on the backend we process over CB rails if we can as the default, if you as the merchant want to give an option you have to build your own UI for that

abstract condor Jun 13, 2022, 10:28 AM

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Honestly I'd prefer not do add it, if it is optional, but I'm not sure if it's optional or required.

gray meadow Jun 13, 2022, 10:29 AM

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I'd assume it's optional since we wouldn't let you build a default integration that is somehow not compliant

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