stripe-connect-platform-fraud | Stripe Developers | Page 1

viscid harness Jun 30, 2022, 10:00 PM

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Hi there, sure thing go ahead and share the invoice ID.

daring night Jun 30, 2022, 10:00 PM

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in_1LFShOHZhKpqBVFyNoadBRVJ

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This customer is unforunately using legacy Checkout.

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If the card is a bad number, Stripe Checkout is blocking it, but the problem we are seeing I think is people with a list of real credit card numbers who make multiple purchases with different cards. Radar is blocking the payment, but we are still creating the Customer and also now handling the webhook well.

viscid harness Jun 30, 2022, 10:03 PM

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So yeah that looks like it was blocked by Radar for high risk

daring night Jun 30, 2022, 10:03 PM

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I am checking the code now, but I think we
1.) Create Customer
2.) Create Subscription
But we are left with the Customer.
Do you recommend we delete the Customer?

viscid harness Jun 30, 2022, 10:03 PM

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Gotcha

daring night Jun 30, 2022, 10:03 PM

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What is the best way to handle a payment blocked by Radar?

viscid harness Jun 30, 2022, 10:03 PM

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Yeah so this is mostly up to you for how you want to do clean up here. Or if you want to ask the Customer to try again with another card

daring night Jun 30, 2022, 10:03 PM

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And where in the flow?

viscid harness Jun 30, 2022, 10:04 PM

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You would handle it the same as a bank decline really

daring night Jun 30, 2022, 10:04 PM

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Hm.. Since we are a Connect platform, we are a little bit limited.

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OK, right now we ask for a thank-you page URL and I think they are being redirected to that without seeing a good message of failure.

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When does the message come from Stripe? On Subscription.create?

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Let me check the code and make sure how we are doing this.....

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Is there a good testing card number for "block by Radar but a valid cc #"

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?

viscid harness Jun 30, 2022, 10:06 PM

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Well that invoice is a one-off invoice

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So no Subscription at all

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But the failure comes on whatever is triggering the pay endpoint: https://dashboard.stripe.com/logs/req_J1gCls5jil23wT

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To reproduce that in test mode you would use 4100000000000019

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https://stripe.com/docs/testing#fraud-prevention

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That has the different Fraud test cards that you can block via Radar.

daring night Jun 30, 2022, 10:07 PM

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OK, it still produces invoice.payment_succeeded? or no?

viscid harness Jun 30, 2022, 10:08 PM

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Nope should be invoice.payment_failed

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Yep: evt_1LFShRHZhKpqBVFykexAykIN is your invoice.payment_failed for your example above

daring night Jun 30, 2022, 10:12 PM

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give me one min. mocking this

viscid harness Jun 30, 2022, 10:13 PM

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👍

daring night Jun 30, 2022, 10:15 PM

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OK, we are doing a more complex version of:
customer = Stripe::Customer.create({
:email => stripe_email,
:source => stripe_source,
}, {:stripe_account => stripe_user_id})

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Is there any way to get back an error here if the stripe_source would result in a blocked Radar? Or no?

viscid harness Jun 30, 2022, 10:16 PM

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When testing?

daring night Jun 30, 2022, 10:17 PM

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right now i am testing

viscid harness Jun 30, 2022, 10:17 PM

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Like when you attach the card to the customer you want Radar to block

daring night Jun 30, 2022, 10:17 PM

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but when i am done, i want to fix this in production

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The first step is we are creating a Customer.

viscid harness Jun 30, 2022, 10:17 PM

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Yep okay so you want to allow it to attach but then block on payment attempt?

daring night Jun 30, 2022, 10:18 PM

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But then if the payment is blocked, our connected account sees a customer who is a fraudulent buyer. If they try this 100 times, they get 100 fake customers. 😦

viscid harness Jun 30, 2022, 10:18 PM

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Yeah no way around that really

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Other than deleting Customers

daring night Jun 30, 2022, 10:18 PM

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I'm trying to catch the fraud as early in the flow as possible and clean up whatever was created

viscid harness Jun 30, 2022, 10:18 PM

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Yep so there are two points then.

daring night Jun 30, 2022, 10:18 PM

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Ok, let me look at the next step in the flow

viscid harness Jun 30, 2022, 10:18 PM

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First, it is possible that it declines on attachment

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"Attachment" here is when you create your Customer

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Second then is that it declines on the actual invoice payment

daring night Jun 30, 2022, 10:20 PM

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After creating the customer, we get the customer ID and then create the subscription passing in the customer ID.

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Is there something to look for so if we get that specific reponse, we maybe delete the Customer.
I don't love deleting customers in a connected account though

viscid harness Jun 30, 2022, 10:21 PM

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The response that it was blocked by radar for high risk?

daring night Jun 30, 2022, 10:21 PM

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right now i am seeing a clear error message so maybe we are not responding well to a webhook. Hmmm.

viscid harness Jun 30, 2022, 10:22 PM

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Yeah you should be seeing a fraudulent decline code in your handler

daring night Jun 30, 2022, 10:24 PM

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does it throw a Stripe error, or just end up with an incomplete status invoice? Checking this now.

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Yeah, no error, just a status of incomplete.

viscid harness Jun 30, 2022, 10:26 PM

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There is a last_payment_error yes

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On the PaymentIntent

daring night Jun 30, 2022, 10:29 PM

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OK let me look at that

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subscription.status == "incomplete" does not necessarily mean fraud though right? Like OXXO or SEPA or other "delayed payment notificaiton" payment methods have an incomplete on creation correct and it is normal right?

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Is there anything on the Subcription?

viscid harness Jun 30, 2022, 10:32 PM

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I don't believe it is incomplete here but I don't remember 100%. Let me double check

daring night Jun 30, 2022, 10:32 PM

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This case is a legacy button so not sure - is there even a PaymentIntent on legacy?

viscid harness Jun 30, 2022, 10:32 PM

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Yes all Invoices use PaymentIntents

daring night Jun 30, 2022, 10:32 PM

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sub_1LGVtBDGwdV8H45OiRS4g9x1

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I just made that test sub

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So now that I have the sub object, the next step is to?

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I don't see a pi_ on the sub obj

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subscription.latest_invoice
"in_1LGVtBDGwdV8H45Oz08naXfk"

viscid harness Jun 30, 2022, 10:34 PM

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PaymentIntents are assoicated with Invoices

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Invoices are associated with Subs

viscid harness Jun 30, 2022, 10:34 PM

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daring night So now that I have the sub object, the next step is to?

What are you trying to accomplish?

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You lost me a bit in what you are testing exactly here.

daring night Jun 30, 2022, 10:35 PM

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Trying to catch the fraud early

viscid harness Jun 30, 2022, 10:36 PM

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There are only two places you can "catch it". When the card is attached to the Customer (if it declines on attachment). Or, when a payment attempt is made.

daring night Jun 30, 2022, 10:36 PM

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Looks like we
1.) Create Customer
2.) Try to create Subscription. Always just also get the Invoice, look up the PaymentIntent on the Invoice and look for last_payment_error yes?

viscid harness Jun 30, 2022, 10:39 PM

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Yep

daring night Jun 30, 2022, 10:40 PM

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OK I have the PI

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so if stripe_payment_intent.last_payment_error
is ?

viscid harness Jun 30, 2022, 10:42 PM

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You could use decline_code: "fraudulent",

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That will specifically catch these high risk payments that are blocked by Radar

daring night Jun 30, 2022, 10:44 PM

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OK, so best practice. Should we delete the Customer? Or just leave it in Stripe to have a record?

viscid harness Jun 30, 2022, 10:44 PM

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That's really up to you.

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I'd leave it.

daring night Jun 30, 2022, 10:44 PM

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OK, super helpful. Thank you.

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😉

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👍

#stripe-connect-platform-fraud