#sahildev-3ds
formal basin
hi there! are you having trouble with how to present the 3DS challenge flow to your customer?
severe abyss
yes i am having trouble in it.
formal basin
are you using the Payment Element to collect payment method details from your customers? i.e. https://stripe.com/docs/payments/payment-element?
severe abyss
No i am using the api's
This is hjow i am creating the payment intent
This is the response and after clicking on the stripe three_d_secure_redirct link , it redirect me to the authentication page
where i need to authenticate 3d secure .
but after the validate myself it gives me this message.
formal basin
is there a reason why you're not using the Payment Element to collect payment method details?
severe abyss
Because we need to add the customized stripe cards payment.
formal basin
how do you create the payment method i.e. the pm_xxx object?
severe abyss
using the api only.
formal basin
what you should do is to follow this guide : https://stripe.com/docs/payments/quickstart to collect payments from your customer
severe abyss
ok
formal basin
if you follow that guide, the implementation will also handle 3DS
severe abyss
But i have integrated all the tthings just need to know that when i successfully validate my 3d secure then why not my transaction move to succeed.
severe abyss
if you follow that guide, the implementation will also handle 3DS
ok i will try this one also.
why it gives me this message again and again.
formal basin
i'm not sure i understand your question. That's just a message which tells you that 3DS succeeded
severe abyss
ah ok wait .
let me explain you all the proicess first might be it would help us both.
because it's been 4 days today and i could not solve it.
What i want it that
- User login into my system and add his cards into stripe . (which is done )
- Then at the payment time he needs to select his card and re enter the cvc .
- After entering the cvc and submitting, i am hitting the payment intent api with the above screenshot details and it is giving me the status
{
"id": "pi_1DrNBJ2eZvKYlo2CXQCh5Pwi",
"object": "payment_intent",
"amount": 2000,
"amount_capturable": 0,
"amount_details": {
"tip": {}
},
"amount_received": 0,
"application": null,
"application_fee_amount": null,
"automatic_payment_methods": null,
"canceled_at": null,
"cancellation_reason": null,
"capture_method": "automatic",
"charges": {
"object": "list",
"data": [],
"has_more": false,
"url": "/v1/charges?payment_intent=pi_1DrNBJ2eZvKYlo2CXQCh5Pwi"
},
"client_secret": "pi_1DrNBJ2eZvKYlo2CXQCh5Pwi_secret_wx8kjhsOZnAz6axvBPGFXUww7",
"confirmation_method": "automatic",
"created": 1547202245,
"currency": "usd",
"customer": null,
"description": null,
"invoice": null,
"last_payment_error": null,
"livemode": false,
"metadata": {},
"next_action": null,
"on_behalf_of": null,
"payment_method": null,
"payment_method_options": {},
"payment_method_types": [
"card"
],
"processing": null,
"receipt_email": null,
"redaction": null,
"review": null,
"setup_future_usage": null,
"shipping": null,
"statement_descriptor": null,
"statement_descriptor_suffix": null,
"status": "requires_payment_method",
"transfer_data": null,
"transfer_group": null
}
"requires_payment_method" this is the status
then when i read the document to resolve it then it says that you need to do the 3d secure authenticate to confirm payment.
then i calkl the payment intent confirm api , where i get the 3d secure url .
and when i validate the 3d secure then it gives me status "require_action"
so now this is happenning .
How you got it now.
and my payment was still in this status only not in success.
formal basin
my first question here is why are you creating the PaymentMethod via the API? We actively discourage you from doing this because by handling raw card numbers directly you become subject to the full PCI compliance standards. In your case this means you’d have to submit a SAQ D form annually to prove that you are PCI compliant. It’s a 40 page form. See https://stripe.com/docs/security/guide#validating-pci-compliance under "API Direct" as this is what your integration would be classified as.
are you sure you want to continue using the API to create Payment Methods?
severe abyss
yes but it has some transactions limits that you can do.
If you’re processing more than 6 million transactions per year with Visa or MasterCard, or more than 2.5 million transactions with American Express, or are otherwise deemed to be a Level 1 provider by any of the card networks, you are not eligible to use a SAQ to prove PCI compliance. Payment brands require you to complete a Report on Compliance (RoC) to validate your PCI compliance annually.
formal basin
that paragraph says that you cannot use SAQ to prove PCI only if you process > 6 million transactions per year with Visa or MasterCard....etc
since you're processing < 6 million transactions per year, you should use SAQ to prove PCI
severe abyss
so basically means i cannot use api's right.
formal basin
you can if you're willing to fill up a 40 page form
severe abyss
ah ok .
formal basin
so if you don't want to fill up the SAQ D, you should follow this guide : https://stripe.com/docs/payments/accept-a-payment or https://stripe.com/docs/payments/quickstart
severe abyss
so i cannot proceed with api's ?
need to integrate the stripe with react element right
formal basin
are you willing to fill up the SAQ D form?
like i mentioned, the choice is up to you
if you're not willing to fill up the SAQ D form, then you should not use the API to create PaymentMethods. You can use any of the options listed here in the guides : https://stripe.com/docs/payments/accept-a-payment or https://stripe.com/docs/payments/quickstart
If you're willing to fill up the SAQ D form, then you can use the API to create PaymentMethods
to answer your question about 3DS using the API. If the PaymentIntent is in requires_action status [0], you can display the 3DS flow on your site using either confirmCardPayment [1] or handleCardAction [2] : https://stripe.com/docs/payments/3d-secure#when-to-use-3d-secure
[0]https://stripe.com/docs/payments/intents
[1] https://stripe.com/docs/js/payment_intents/confirm_card_payment
[2] https://stripe.com/docs/js/payment_intents/handle_card_action