I have a subscription route like this. My flow looks like this
User select a plan.
User enter card details through Stripe Card Element
User click Subscribe button.
As per docs,
I'm creating a customer.
Then creating a subscription for this customer.
But, my dashboard says payment incomplete and response object on creating subscriptions shows status: 'requires_confirmation'. What I am doing wrong?
router.post('/subscription', auth, async (req, res) => {
const { payment_method, price_id } = req.body;
const customer = await Stripe.customers.create({
email: 'test#gmail.com',
payment_method: payment_method,
description: 'New Customer',
invoice_settings: { default_payment_method: payment_method }
});
try {
const subscription = await Stripe.subscriptions.create({
customer: customer.id,
items: [
{
price: price_id
}
],
payment_behavior: 'default_incomplete',
expand: ['latest_invoice.payment_intent']
});
res.send({
status: subscription.latest_invoice.payment_intent.status,
subscriptionId: subscription.id,
});
} catch (error) {
return res.status(400).send({ error: { message: error.message } });
}
});
[![Stripe dashboard][1]][1]
[1]: https://i.stack.imgur.com/Sx0zN.png
It sounds like you’re doing things a bit out of order from the way the Stripe docs suggest. In this guide, the subscription object is created prior to collecting the payment method. The reason your invoice isn’t automatically paid is because you are explicitly passing in a payment_behavior of default_incomplete, which tells Stripe not to pay the invoice and allows you to collect payment details client-side and confirm the payment. Since you have already collected payment details, don’t pass in a payment_bevavior of default_incomplete.
Is there any way to take recurring payment with Masterpass using Stripe?
Google pay and Apple pay can take the recurring payment with Stripe by returning the card token for stripe process. Is there any way to get card token like this with Masterpass?
Yes you can, you'd create a PaymentMethod with the data you get back from Secure Remote Commerce (which is what Masterpass is calling itself now) and use that to start a subscription.
Follow Stripe's SRC guide, then when you get to the "complete the payment" part you'd do something this instead:
// create the payment method
const pm = await stripe.paymentMethods.create({
type: 'card',
card: {
masterpass: {
cart_id: cartId, // your unique cart ID
transaction_id: req.query.oauth_verifier, // get this from the SRC callback URL
},
}
});
// create the Stripe customer
const cust = await stripe.customers.create({
payment_method: pm.id,
});
// create the subscription
const sub = await stripe.subscriptions.create({
customer: cust.id,
items: [{
price: {{PRICE_ID}},
}],
default_payment_method: pm.id,
});
I am trying to create a direct charge to a standard Stripe connected account from a node.js backend. The codes I wrote are:
async function create_direct_charge(language_learner_id, native_speaker_id, call_duration) {
try {
const customer_id = "xxxxxx";
const connected_standard_account_id = "xxxxxx;
const paymentMethods = await stripe.paymentMethods.list({
customer: customer_id,
type: 'card',
limit: 1,
});
const paymentMethod = paymentMethods.data[0].id;
const paymentIntent = await stripe.paymentIntents.create({
payment_method_types: ['card'],
payment_method: paymentMethod,
amount: 1000,
customer: customer_id,
currency: "cad",
off_session: true,
confirm: true,
application_fee_amount: 100,
}, {
stripeAccount: connected_standard_account_id,
});
}
catch (error) {
console.log(error);
}
}
The above codes generate an error of: No such PaymentMethod: 'pm_xxxxxx'; OAuth key or Stripe-Account header was used but API request was provided with a platform-owned payment method ID. Please ensure that the provided payment method matches the specified account.
The thing is that the customer with the customer_id already has a valid payment method attached:
The payment method is valid, since I was able to create a destination charge with that payment method. The payment is not set as the default source though. I am wondering if that is the problem. What did I do wrong here?
The payment method is valid, since I was able to create a destination charge with that payment method.
That tells me that the PaymentMethod (e.g. pm_123) was created on the Platform Stripe account and hence lives there.
So when tell Stripe to "Charge pm_123 on Connect account acct_1 as a Direct Charge", that won't work as the PaymentMethod object pm_123 doesn't exist on the Connect account, it exists on the Platform account.
In order to get this to work, you have to first "clone" the PaymentMethod pm_123 to the Connect account, then create a Direct Charge with this newly cloned PaymentMethod token, as explained here: https://stripe.com/docs/payments/payment-methods/connect#cloning-payment-methods
I'm struggling to get Stripe to work on my server.
So, on the client side, I have this code (after much struggle to get element working) :
this.props.stripe.createPaymentMethod({ type: 'card', card: cardElement, billing_details: { name: name } }).then((paymentMethod) => {
// server request with customer_id and paymentMethod.id);
});
This works fine. Now, on the server (NodeJS), I want to add a new on-going subscription with a fixed fee for my customer.
Here's what I have :
const paymentIntent = await stripe.paymentIntents.create({
amount: 1000,
currency: 'usd',
payment_method_types: ['card'],
customer: req.body.customer_id,
metadata: { integration_check: 'accept_a_payment' },
});
const paymentIntentConfirmation = await stripe.paymentIntents.confirm(paymentIntent.id, { payment_method: req.body.paymentMethod_id });
const newSubscription = await stripe.subscriptions.create({
customer: req.body.customer_id,
items: [{ plan: premium_plan.id, quantity: 1 }],
default_payment_method: req.body.paymentMethod_id,
});
const attachPaymentToCustomer = await stripe.paymentMethods.attach(req.body.paymentMethod_id, { customer: req.body.customer_id });
const updateCustomerDefaultPaymentMethod = await stripe.customers.update(req.body.customer_id, {
invoice_settings: {
default_payment_method: req.body.paymentMethod_id,
},
});
So, if I don't attach the payment to customer, I get the following error message :
'The customer does not have a payment method with the ID pm_1Gx9m1HVGJbiGjghYhrkt6j. The payment method must be attached to the customer.'
If I do, I get the following error message :
'This PaymentMethod was previously used without being attached to a Customer or was detached from a Customer, and may not be used again.'
So, how do I add the damn payment method, so when I retrieve my customer, it shows this customer has been updated with a new subscription to the service he just subscribed to, together with his payment method (a CC in this case).
Any help here for a frustrated user is very appreciated !
On a more general note, implementing Stripe has been a very painful experience so far. Nothing seems to work. I use Typescript and there are so many bugs. The documentation is not very helpful and not well explained. "Create a source", "create a token", "create a payment intent", "create a setup intent", how am i supposed to understand the difference between all these things ? I want to add a god damn online subscription, which should be quite a standard procedure for an Internet service. Why are there so many different guidelines, with tokens, with sources, etc....
There's a few changes you can make here to get it working, in order to start a Subscription [1] you don't need to create and confirm a PaymentIntent. That is created automatically inside the Invoice(s) as they're created for payment. So the steps roughly are (you've done a lot of this already but just to have an end to end example):
Create a customer
Collect the payment information securely using Stripe.js
Attach the PaymentMethod to the Customer
(Optionally) save that as the invoice settings default payment method (because you can pass the PaymentMethod to the Subscription creation as a default payment method, but it's good practice so that you can start Subscriptions for that Customer with the same payment method)
Create a Subscription
Provision your service
Take into account SCA/3DS and handle authentication [2]
That's outlined in detail on [1]. Here's some sample code to get the Subscription started, you can replace the calls that create products and prices with your own IDs of course:
const customer = await stripe.customers.create({
name: "Foo Bartley"
});
const paymentMethod = await stripe.paymentMethods.create(
{
type: 'card',
card: {
number: '4242424242424242',
exp_month: 6,
exp_year: 2021,
cvc: '314',
},
}
);
const product = await stripe.products.create(
{name: 'Gold Special'}
);
const price = await stripe.prices.create(
{
unit_amount: 1111,
currency: 'eur',
recurring: {interval: 'month'},
product: product.id,
}
);
// Everything above here is just setting up this demo
const attachPaymentToCustomer = await stripe.paymentMethods.attach(
paymentMethod.id, // <-- your payment method ID collected via Stripe.js
{ customer: customer.id } // <-- your customer id from the request body
);
const updateCustomerDefaultPaymentMethod = await stripe.customers.update(
customer.id, { // <-- your customer id from the request body
invoice_settings: {
default_payment_method: paymentMethod.id, // <-- your payment method ID collected via Stripe.js
},
});
const newSubscription = await stripe.subscriptions.create({
customer: customer.id, // <-- your customer id from the request body
items: [{ plan: price.id, quantity: 1 }], // <-- plans and prices are compatible Prices is a newer API
default_payment_method: paymentMethod.id, // <-- your payment method ID collected via Stripe.js
});
Hope this helps!
[1] https://stripe.com/docs/billing/subscriptions/fixed-price#create-subscription
[2] https://stripe.com/docs/billing/subscriptions/fixed-price#manage-payment-authentication
BackGround:
What i'm trying to do is set-up a marketplace where the customer can acquire services of a seller,The Project is a MERN Stack Travel Application to be exact. What i would like is for the customer to Pay the Platform(My Website connected with Stripe) when he wishes to acquire a service e.g a hotel Room. The Customer stays at the hotel for the allotted time and when he checksout the platform keeps some of the customers amount as application fee and transfers the rest to the service provider,in this case the hotel.
Current Effort:
I Used STRIPE CONNECT to acheive the required functionality.
(Note: you guys don't need to see all of the code below just the heading and description would give you an idea of what i have done and what i'm trying to ask,but please do read the issue section)
i create a Connect account for the seller when he signs up on my Website
Create Connect Account
const express = require("express");
const router = express.Router();
router.post("/createAccount", async (req, res) => {
const { name, email } = req.body; //Data Passed from the FrontEnd
stripe.accounts.create(
{
type: "custom",
country: "US",
email: email,
requested_capabilities: ["card_payments", "transfers"],
},
function (err, account) {
res.json({ account: account });
}
);
});
When the Seller Provides the rest of the required details(including bank Account) after logging-in to the Seller Portal i create a bank_account,update the already created Connect Account and link the bank_account with the Connect Account (Hopefully, that somehow makes sense)
Create Bank Account
router.post("/createBankAccount", async (req, res) => {
const { account_holder_name, routing_number, account_number } = req.body;
stripe.tokens.create(
{
bank_account: {
country: "US",
currency: "USD",
account_holder_name,
account_holder_type: "individual",
routing_number,
account_number,
},
},
function (err, token) {
res.send(token);
}
);
});
Update Account:
router.post("/updateAccount", async (req, res) => {
const {
AccountID,
Day,
Month,
Year,
first_name,
last_name,
email,
BankAccountID,
} = req.body;
const FrontFilePath = fs.readFileSync("PathToFileHere");
const FrontPhotoIDUpload = await stripe.files.create({
file: {
data: FrontFilePath,
name: "FrontPhotoID.jpg",
type: "application.octet-stream",
},
purpose: "identity_document",
});
const BackFilePath = fs.readFileSync("PathToFileHere");
const BackPhotoIDUpload = await stripe.files.create({
file: {
data: BackFilePath,
name: "BackPhotoID.jpg",
type: "application.octet-stream",
},
purpose: "identity_document",
});
stripe.accounts.update(
AccountID,
{
business_type: "individual",
individual: {
dob: { day: Day, month: Month, year: Year },
first_name: first_name,
last_name: last_name,
id_number: "006-20-8311",
phone: "605-628-6049",
address: {
city: "Half Way",
line1: "2467 Twin House Lane",
postal_code: "65663",
state: "MO",
},
email,
ssn_last_4: "8311",
verification: {
document: {
front: FrontPhotoIDUpload.id,
back: BackPhotoIDUpload.id,
},
},
},
business_profile: {
mcc: "4722",
url: "http://www.baoisne.com",
},
tos_acceptance: {
date: Math.floor(Date.now() / 1000),
ip: req.connection.remoteAddress,
},
},
function (err, account) {
console.log(err);
console.log(account);
}
);
//Connect External Account
stripe.accounts.createExternalAccount(
AccountID,
{
external_account: BankAccountID,
},
function (err, bankAccount) {
console.log(err);
res.send(bankAccount);
}
);
});
Then when the customers provides his account details i charge the customer,keep some money as application fee and move the rest to the Service Providers Connect account.
Charge Customer
router.post("/charge", async (req, res) => {
const { TokenID, CustomerID, Amount, AccountID } = req.body;
let PaymentAmount = Amount * 100;
let application_fee_amount = 400;
try {
const payment = await stripe.paymentIntents.create({
amount: PaymentAmount,
currency: "USD",
description: "We did it boss",
payment_method_data: {
type: "card",
card: {
token: TokenID,
},
},
receipt_email: "abdullahabid427#gmail.com",
customer: CustomerID,
application_fee_amount,
transfer_data: {
destination: AccountID,
},
confirm: true,
});
return res.status(200).json({
confirm: "Payment Succeeded",
});
} catch (error) {
console.log(error);
return res.status(400).json({
message: error.message,
});
}
});
By doing the above procedure a connect account is created and the amount is moved into the connected account.
Issue
The Above procedure although works correctly, it moves the amount into the Connected Service Provider Account directly after the customer is charged, what i would like is for the customer to pay the platform and after the Service Provider has provided his services , the Platform pays the Service Provider, i thought about removing
application_fee_amount,
transfer_data: {
destination: AccountID,
}
the above parameters in the Charge or Stripe.paymentIntents.create endpoint, and after Service Provider has completed his services i transfer the amount using the Stripe Transfer API
router.post("/transfer", async (req, res) => {
try {
console.log("TRANSFER=");
const { AccountID, amount } = req.body;
const transfer = await stripe.transfers.create({
amount,
currency: "USD",
destination: AccountID,
});
res.send(transfer);
} catch (error) {
res.send(error);
}
});
the issue here is that transfer endpoint returns "Your destination account needs to have at least one of the following capabilities enabled: transfers, legacy_payments" , i have checked the Connected Account in Stripe Dashboard and in the Capabilities section Card_Payment and Transfers are both set to Active, plus Payments and Payouts are both Enabled and the status of the connect account is "Complete"
So if anyone could point in the right direction i would really Appreciate it,Cheers :)
Ok - we'll agree that Stripe works as intended. You get the error message that you get because you remove the destination account ID from the payment intent creating function. That's where the problem lies, under your heading Charge Customer.
Let's look at it: (a shortened version)
const payment = await stripe.paymentIntents.create({
amount: PaymentAmount,
currency: "USD",
...
customer: CustomerID,
application_fee_amount,
transfer_data: {
destination: AccountID,
},
confirm: true,
});
The last property confirm: true is equivalent to creating and confirming the payment intent in the same call. The default value is false -- using that the status of the newly created payment intent will be requires_confirmation. And when you're ready, you confirm the payment intent along these lines:
const confirmedPayment = await stripe.paymentIntents.confirm(
'payment_intent_id',
{payment_method: 'card'},
function(err, paymentIntent) {
}
});
A few general comments on things going wrong
When a payer pays money for some goods online, it is the responsibility of the app developer to implement the logic, according to which the money and goods are sent and received: it can be prepaid, postpaid, or partially both. No logic is foolproof. In general, if we worry about customers taking advantage of our payment policy, we can require everything to be prepaid by all paying parties and include a fair refund policy. In this case, Stripe supports refunds of payment intents but what's more important: it keeps track of the status of the payment.
When the payment intent is created but not confirmed, the status is requires_confirmation. Not much can go wrong there. But after the payment intent has been confirmed, the status will be processing - this may take days. You may decide to cancel the payment at any time. But if things go fine, the status will change to succeeded which means that the funds are in the destination account. But if the payment fails for whatever reason, the status will return to requires_payment_method. Even in this case, there's no need to create a new payment or transfer object. You can retrieve the payment intent any time by calling stripe.retrievePaymentIntent(clientSecret) and check the status. But in my opinion, it's much easier to monitor the status changes with a webhook that is configured to receive the status changing events. Even if no action takes place immediately when the status changes, we can store the status in the DB where it's available.
From experience, I've seen how common it is for payments to fail. It doesn't mean that there's any fraud going on on either side but it does mean that the app should be prepared to handle both cases. The events to add to the webhook config are payment_intent.succeeded and payment_intent.payment_failed. How these events are handled is specific to each and every application.
Create a webhook (Stripe config) which includes:
Events sent to the webhook: in this case customer.created, customer.source.created, customer.source.updated
URL = the route that handles the events when they arrive
So you need to store the pending payment in your DB first. Then in the webhook, find it in the DB and complete the transfer.