I need to check the failed payment response from Stripe. Is there any Stripe test card details which will create the subscription but failed to pay?
Thank you in advance
There's no way to have the first payment succeed on a subscription, as far as I know with a test card, so you would need to use this card (4000000000000341) that can be attached to a customer record without performing an authorization and then create your subscription with a trial period (even a trial period of ~30 seconds into the future).
Related
Imagine the following case:
I buy a monthly subscription - subscription is successfully created in Stripe.
When the next billing period comes, my card is already expired (or there is no fund in it) so the renewal fails.
I had an idea to use a valid test card first and then create another payment method with an expired card. However, Stripe won't allow me to add that kind of payment methods.
How can I test this scenario?
Stripe has a great test card[1] for this kind of error. You can add it to a customer but it will fail any payment.
4000000000000341 Attaching this card to a Customer object succeeds, but attempts to charge the customer fail.
For this kind of test, I typically create a customer, attach that card to them, and create a subscription with a trial period[2] of 10 seconds. After the trial is over, I manually finalize and try to take payment on the invoice to cause the renewal failure.
[1] https://stripe.com/docs/testing
[2] https://stripe.com/docs/api/subscriptions/create#create_subscription-trial_end
I know I can pre-auth a stripe subscription with a trial period. I want to pre-auth the 2nd, 3rd, 4th, nth subscription payment. The info we are sending out is time critical and if their subscription lapses due to NSF or something else, it would be nice for them if they could rectify the problem BEFORE it lapses.
There is a pending invoice you can get for a subscription, and you can create a payment intent with an invoice ID so that when the invoice is paid, the payment intent (that captured the money) will be used to collect the money. BUT the pending invoice doesn't have an ID until one or 2 hours before they try to collect the money which is 3-4 days too late.
Has anyone figured out how to pre-auth subscription payments other than the first one?
Is there a subscription engine I could use (with stripe/paypal/venmo) that would mean I could quit using the deficient stripe subscription system?
Subscription invoices don't exist until the renewal of the billing cycle, and the underlying payment intent is created by the invoice. It's not supported to "pre-auth" subscription payments. Instead, you need to handle payment failures when those occur, optionally by letting Stripe handle that for you.
If you want to have successful payment in advance of some time-sensitive event, then I'd suggest one of two alternatives:
Shift your billing cycle to invoice 3-4 days ahead of what you have set now, allowing you time to recover from payment failures before the delivery timing.
Alternatively you would implement your own recurring payments using saved payment details. You would similarly want to authorize the payment ahead of time to allow for recovery. You could optionally use manual capture to defer capture until the time of delivery.
We're just a few weeks away from releasing our custom built SaaS app for Freight Brokers and (eventually) Carriers. We're deciding how to handle failed credit card payments. The options have so far been:
Immediately restrict their account and require a payment. Send them an email saying an Admin can login and restore account access
or
Give them 7 full days to pay(including weekends), send them an email when the payment fails, a day after and 2 days after the second email. Then send them an email when their account access has been restricted. When they login, they can pay, but the payment would include the days used without payment.
I'm leaning towards the second one, because if I were a business owner, i would not want to come in and my employees are sitting because none of them have a company credit card to pay for the software.
Thoughts?
EDIT: Lmao I spelt "handle" wrong in the title... Fixed.
You can configure Stripe Dunning process which facilitates you to handle failed payments in a better way for subscription base billing.
Its basically enabling retry schedule with customize timeframe. you can cancel the subscription or mark the subscription as unpaid after all retry attempts have been exhausted. There is a webhook which indicates the transaction details, using that you can handle your business logic like hold the tenant or delete the tenant.
I was using your stripe payment gateway for a while then one day one thing came to my mind. I would like to explain it with an example.
Suppose I am a customer and subscribed to some app. So you will deduct that monthly charges every month. Now what happens is my card got empty and the subscription renewal date is near. As I was not having enough money in my card I got logged out from the app and stripe kept trying my card. Then to re-login to app I was asked to enter the card details again. Now this time I used another card and got logged in successfully as a new user on the app (as my status was marked as 'not renewed' in the database).
So now my questions are:
What will happen if I put some money in my previous card?
Will I get charged twice every month?
How can handle this equation?
Have you understood my point of view?
With Stripe, users (merchants) can set a retry schedule for recurring payments in their account settings: https://dashboard.stripe.com/account/recurring. There can be up to 3 retries after the initial attempt, each retry separated by 1 to 7 days from the previous one.
If all payment attempts fail, users can choose the final fate of the subscription:
cancel it automatically
mark it as unpaid
leave it as-is
If you update a customer with a new payment source, for each of the customer's current subscriptions, if the subscription is in the past_due state, then the latest unpaid, unclosed invoice for the subscription will be retried.
In our system we use Automated Recurring Billing for our members. We check our users subscription status from Recurring Billing API. We check failed payments from Transaction Reporting API and it appears that some of the subscriptions status code return “active” from API even not charged. Let me give a scenario about it :
A user has an ARB monthly subscription which payment cycle is 14th of every month. User has been successfully charged for 3 months. But on 4th payment, we saw that the payment failed and response code from API is “this transaction has been declined”. We think that credit card expiration info may be failed and user may update it. So we put the user in a grace period(two days) and let user update credit card information. If user updates credit card information in two days we call API to update subscription with new credit card info. Let’s say this update subscription request is done on 16th of the current month. Can we get the payment which has passed on 14th ? Or has user been charged on 16th which update subscription request is sent and is ARB payment cycle changed from now on ? Or user will be charged on the next month and we can not get failed payment ?
I could not find any details about failed transactions payment flow when credit card info is updated. Thanks in advance.
A failed subscription payment won't be retried after you update the customer profile. However, you can use the updated custer profile to make your own one-time payment.