Matt11-off session | Stripe Developers | Page 1

silent summit Jun 24, 2022, 10:17 AM

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👋 happy to help

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that's a really great question

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setup_future_usage is telling the PaymentIntent API that you would love to save the card details for future usage

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this usage might be on_session meaning that the customer would be on your app while the payment will subsequently happen, or off_session meaning that you will be doing the payment obo the customer

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the off_session parameter on the other hand tells the PaymentIntent API that you are doing the payment obo the customer

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so the setup_future_usage: 'off_session' is used on the PaymentIntent(PI) that would save the PaymentMethod(PM) and in the subsequent PIs the off_session: true is used to use that saved PM knowing that the customer isn't around to authenticate

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it also tells the issuing bank that the customer isn't present and might give the possibility of SCA exemption

modest siren Jun 24, 2022, 10:22 AM

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Ok, can I try to explain to you my current platform situation?

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so maybe you can address me to the best solution?

silent summit Jun 24, 2022, 10:33 AM

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yes sure

modest siren Jun 24, 2022, 10:33 AM

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Thanks!
So, in this platform we have two types of plans:
1- one with 7 days trial period + 365 days subscription
2- with only 365 days of subscription
At the signup the customer can pick one of these and enter the card data into the stripe elements form.

If he select the 'trial' plan I create a SetupIntent with this API and parameters:

setup_intent = ::Stripe::SetupIntent.create({
                                              customer: user.stripe_customer_id,
                                              payment_method_types: ['card'],
                                              usage: 'off_session',
                                              payment_method: payment_method_id
                                            })

::Stripe::SetupIntent.confirm(
  setup_intent.id,
  { payment_method: payment_method_id }
)

otherwise for the other plan he need to pay immediately and I do like this:

payment_intent = ::Stripe::PaymentIntent.create({
                                                  amount: amount,
                                                  customer: user.stripe_customer_id,
                                                  currency: 'eur',
                                                  payment_method_types: ['card'],
                                                  setup_future_usage: 'off_session',
                                                  payment_method: payment_method_id
                                                })
::Stripe::PaymentIntent.confirm(
  payment_intent.id,
  { payment_method: payment_method_id }
)

I'm doing 'off_session' logic because when the 'trial' or the actual 'subscription' expires, we have an automatic nightly script that creates the first payment_intent for those coming from 'trial' or another payment_intent for those coming from a full 'subscription'.
So the user if of course off-session

silent summit Jun 24, 2022, 10:49 AM

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I don't see the reason behind you doing that to be honest

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there's a simpler solution

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you can create the subscription with payment_settings.save_default_payment_method: "on_subscription" (https://stripe.com/docs/api/subscriptions/create#create_subscription-payment_settings-save_default_payment_method) and expand on latest_invoice.payment_intent get the client_secret of that payment intent and send it to the front-end where you would use a PaymentElement or CardElement to gather the Payment Method data. once that is done everything would be setup for you

Stripe API reference – Create a subscription – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

modest siren Jun 24, 2022, 10:53 AM

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the customer don't want to use Subscriptions, we just switched from Subscriptions to one-shot payments 😄

silent summit Jun 24, 2022, 10:54 AM

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I'm doing 'off_session' logic because when the 'trial' or the actual 'subscription' expires

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I'm lost

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are you or aren't you using Subscriptions?

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if you're not there is no notion of trial

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nor time

modest siren Jun 24, 2022, 10:56 AM

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Sorry, I have the notion of trial and subscriptions inside my database.
I have this table with "from" and "to" dates that determine if a customer is active or not and the boolean "trial" that determine if the customer is inside the trial period or not

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so there's nothing to do with Stripe Subscriptions

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our platform has the logic and decide if a customer need to collect data or create a payment on stripe

silent summit Jun 24, 2022, 10:57 AM

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so there will never be a recurring payment?

modest siren Jun 24, 2022, 10:59 AM

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yes, when a "from-to" period expire the automatic script creates year "subscription" (for our database) and creates another payment

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but the customer don't want stripe subscriptions because he wants all the data inside our database to share them with our others payment methods

silent summit Jun 24, 2022, 10:59 AM

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but why not use Stripe Subscription in that case?

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you could use both

modest siren Jun 24, 2022, 11:00 AM

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it's not up to me to decide

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we were using them in the past and now we are not

silent summit Jun 24, 2022, 11:00 AM

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actually the ultimate way of doing this is to use Stripe Subscriptions and listen to the webhook events we send and update your database accordingly

modest siren Jun 24, 2022, 11:01 AM

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sorry but it is not a way we can take 😄

silent summit Jun 24, 2022, 11:01 AM

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ok I can hear that, but it's really a waste of time/money/resources to reinvent the wheel

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I will help you out

modest siren Jun 24, 2022, 11:01 AM

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I know and I told them

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you're right

silent summit Jun 24, 2022, 11:01 AM

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and will guide you through whatever integration that you want to implement

modest siren Jun 24, 2022, 11:02 AM

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but unfortunately I need to find a solution with payment_intents

silent summit Jun 24, 2022, 11:02 AM

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I was just a bit upset for you, that you would have to build a scheduler and cron jobs and a lot of unnecessary things to accomplish something you already have access to

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yes we will

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just give me a sec

modest siren Jun 24, 2022, 11:02 AM

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silent summit I was just a bit upset for you, that you would have to build a scheduler and cro...

thanks 😄 it was a lot of work of course

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but I tell you, everything is already working but I need to understand if I can improve it a little bit. Because, rarely, we face a weird behaviour with 3DS

silent summit Jun 24, 2022, 11:04 AM

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yes I understand

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let me take a few minutes then to write my detailed answer for you

modest siren Jun 24, 2022, 11:05 AM

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wait, I'll tell you one more thing

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the "3DS issue" is that I see a lot of payments with "requires_actions" even if the card was already linked to customer, and I would like to minimize them. This is why I asked about off_session: true and setup_future_usage: 'off_session'

silent summit Jun 24, 2022, 11:07 AM

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yes I knew you were going to say that

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this happens when the issuing bank decides that the "off_session" payment method is not "safe" and requires the authentication of the customer

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in that case you'd have to ask your customer to come back to your platform and do the payment "on_session"

modest siren Jun 24, 2022, 11:08 AM

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I already do that

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so there's no flag that helps me to avoid this? 😄

modest siren Jun 24, 2022, 11:09 AM

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silent summit yes I knew you were going to say that

this is why you are a Stripe expert 😄

silent summit Jun 24, 2022, 11:09 AM

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modest siren so there's no flag that helps me to avoid this? 😄

no

silent summit Jun 24, 2022, 11:10 AM

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modest siren this is why you are a Stripe expert 😄

it's the most common use case when it comes to 3DS and off_session

modest siren Jun 24, 2022, 11:10 AM

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I think that after this mega refactor I can work in Stripe too 😂

silent summit Jun 24, 2022, 11:11 AM

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modest siren so there's no flag that helps me to avoid this? 😄

it's really up to the issuing bank's discretion to either permit or not the payment without 3DS

modest siren Jun 24, 2022, 11:11 AM

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silent summit it's really up to the issuing bank's discretion to either permit or not the paym...

ok but why with stripe subscriptions this problem did not exist? or exited less times than now?

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or maybe I didn't noticed because I cannot see payments but only invoices from dashboard?

silent summit Jun 24, 2022, 11:16 AM

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modest siren ok but why with stripe subscriptions this problem did not exist? or exited less ...

It's not related to the product

silent summit Jun 24, 2022, 11:16 AM

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modest siren or maybe I didn't noticed because I cannot see payments but only invoices from d...

maybe

modest siren Jun 24, 2022, 11:17 AM

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oh ok thanks 😄

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so that's it I think. I need to inform the client

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thanks a lot @silent summit . this is not the first time we chat and I think it isn't the last either 😄

#Matt11-off session