#EAK - CVC Check
wise saffron
Hello, if I remember correctly, some banks will approve transactions even with the wrong date/CVC. I think you can further enforce that check with Radar but I forget, looking in to this...
drowsy plume
Ooh yea..look I just found: https://support.stripe.com/questions/charge-succeeded-despite-cvc-or-zip-check-mismatch
how on earth are banks ok with this... 😄
wise saffron
There we go, solved it yourself. Nice job!
And yes I am still amazed that it works like that
drowsy plume
For the banks that do enforce these...we're noticing that payment collection still completes successfully (setupIntent status is succeeded but the subscription then cannot charge the customer. In test mode...Stripe's API kicks us back to the original payment form with an error
but in prod, we're allowed to proceed much further along in the process and are actually allowed to fail when creating a subscription..rather than failing at the payment details collection
wise saffron
Ah I see, so this is for setting up a card for use later, not when making a payment initially?
drowsy plume
Correct - we have a SetupIntent and we collect the payment information and use that to create a subscription with the default payment set to what they just entered.
wise saffron
So for that, the same Radar rule can make sure to enforce the CVC check when setting up a card https://stripe.com/docs/radar/rules#traditional-bank-checks
Also in your settings you can have Stripe automatically email your users and ask them to update their info if one of their subscription payment fails https://stripe.com/docs/billing/revenue-recovery/customer-emails#manage-failed-payment
drowsy plume
Let me rephrase - I think the confusion on my side stems from the "test cards" failing at the collection stage (perhaps that's the authorization stage?). In Live mode - we're seeing the collection happen successfully but then we fail when we actually attempt to charge the customer.
ie - if we use any of the cards here: https://stripe.com/docs/testing#declined-payments then in test mode - our customer remains on the payment page...
and they get a clear error back like: "CVC check failed" (if we used the CVC failed test card)
long narwhal
👋 @wise saffron had to head out, but i'll hop in and take a look in a few minutes
drowsy plume
in Live mode...it just moves forward and we try to charge the customer...which fails..but at this point - it's too late for us to communicate anything back to the customer (as they are no longer on that payment form page)