#stripe

hi! could anymode help me with a quick question about stripe connected apps? Is there ANY way to not use stripe.js, but pass the CC data myself on behalf of connected accounts?

peter_tempfli: techically, yes, but you wouldn't benefit from Stripe's PCI compliance

technically*

peter_tempfli: like you're a fully PCI compliant and audited marketplace that wants to receive card data?

the this is that I want to make it possible to my users to enter CC data into my own database (more detailed, it should be a standard record in salesforce)

the CC number obviously would be masked and stored encrypted

That would still require your service be fully PCI complaint and audited (especially if you're dealing with other business and processing charges on their behalf). You'd be looking at like 80 pages of PCI paperwork and potentially the need to hire a 3rd party auditor

peter_tempfli: You can do that…but then you will be required to be PCI compliant which is a real headache. Are you already compliant?

a user case would be: a customer tells CC date through phone, and a helpdesk agent types it into database

salesforce is PCI complient, and we are actually happy to hire a person to make the paperwork / audit the code.

peter_tempfli: salesforce is PCI complaint, but your system that communicates with salesforce also needs to be PCI compliant

Also salesforce is only PCI compliant if you use it in a compliant way (I've worked on projects where that actually wasn't the case)

@markin I have no other 'system'. It would be actually a native SF integration.

peter_tempfli: so they'd only be doing it by calling in? What if a user went to your website to enter card info?

@markin, yep, the agent would type it. A website obviously would work through stripe.js / onetime-token (that part is easy)

then sure

peter_tempfli: Any reason you wouldn’t just have the receptionist enter it in Stripe’s dashboard?

it should be noted that Stripe isn't meant for phone / mail orders and that it should constitute a minority of how card data is obtained

though ideally, I'd somehow create a Stripe customer from the card details and just save the stripe customer in your database. When you create a stripe customer you can pass in the CVC data and stripe can validate it. If you just save the credit card data in salesforce, PCI rules don't allow you to store the CVC data at all, so you wouldn't be able to verify

that the cvc code is correct

@markin is it an option that I put a stripe.js form into an internat salesforce page and make the agents enter received CC data there? (this way there is no CC data handling on the SF server)

that would be fine if you can get it to work

@markin or maybe I could go just without connect, and connect 'manually' the accounts (i.e. not using OAuth, but just copy-and-past the customer Id / secret?)

you still have to deal with the case that phone / mail orders should be a minority of cases even if they use Stripe.js

copying and pasting secrets is really bad and not recommended

and doesn't change the key points about the discussion

@markin sure, this is absulutely correct about the phone. But our customer wants this, so we need to make it work somehow :p

OK, so I'll try to add a stripe.js form into a VisualForce page. Thank you very much for your help!

there's what the customer wants, and then there is what might cause Stripe to shut their account down for violating the "stripe should not be used for phone orders" part of the terms of service

hmm, this is a good point -- I definitely need to tell my product owners to read these stuff again!

Hi Stripe devs! I have a question regarding sending credit to credit cards via Stripe. Is this possible? I noticed recently that giftly.com is able to do this, and they just take a credit card #, email, & name.

Does Stripe support this type of transfer?

Hi dlau. That's not something that we offer at the moment.

dlau: where does giftly do that on their website?

Cool. Okay, but do you guys still do transfers via debit card? (https://stripe.com/blog/send-money-to-debit-cards)

you'd need to do it via managed accounts but yeah

I wonder how they do it, Visa generally dislikes credits to credit cards

It basically happens when a user gifts money to another user. And, from their, the recipient has the choice of converting it to a gift card or doing a transfer straight to credit card.

Let me share a screenshot with you...

yeah I get how it works, my thought was more the underlying tech of how they do the push to the credit card, the card networks tend to look down upon pushing funds to credit cards

OIC. Hmmm, okay. So I'm guessing you wouldn't know who they're using to do this then...

If you're interested...this is the screen: https://dl.dropboxusercontent.com/u/898689/gift...

dlau: without knowing specifically my guess is that they work directly with a bank (their terms list sunrise banks) and then they just make unreferenced refunds (so a refunds without a source charge)

Okay, thanks!

Aside, why does Visa dislike credits to credit cards? What would happen eventually if we continually do unreferenced refunds?

its basically supposed to be that all refunds are in regards to a transaction

is there a limit to the number of subscription plans per account?

ajporterfield: plans no, a customer can only have 25 subscriptions though

ok, I'm trying to build out recurring donations

i have single transaction donations working just fine

my donation form has a textbox where visitors enter an amount

and then there's a "do you want to make this a recurring donation?"

and they can pick a frequency

i'd like to keep this flow, but don't know the best way to do this with Stripe

i've seen recommendations for creating $1 plans and then using quantity

since the frequency is variable I'd just create a new plan via the api

ok, thanks

so there's no real issue with having a plan per customer...and having 10, 50, 100 plans on the account?

ajporterfield: no, that's fine.

ywain: thanks for having my back -- a bit distracted submitting resumes all over the place

Hello, on first charge with the destination going to a managed account with transfer interval manual, when does the fund become available? I understand the first transfer may take up to 7 days, but is this on the transfer or when the fund become available?

markin: haha, np. good luck with the job hunt!

does Stripe host receipts as PDFs?

irctc149: the funds take 7 days to become available, with automatic transfers though stripe "cheats" a little so that the funds get deposited on that 7th day

kevin___: nope

ahh ok. would've been nice

markin: Thanks!

2 charges by same customer using different credit cards were denied by stripe

its a big amount.. about $360

the only explanation from stripe is, Failed: Your card was declined. Learn more about the reasons cards are declined.

Can we get more diagnostics on this?

tanzchantz: So it wasn't Stripe declining the charge it was the customer's bank

hmmm.ok.

but can we not get more info than this?

The customer should call their bank, Stripe often doesn't get more details beyond "declined"

tanzchantz: It’s unfortunatel, but Stripe doesn’t get any more information on the reason for the denial

hmm.k.

tanzchantz: banks keep that stuff close to the chest

hmm.k thx csalvato

I need help: On managed accounts it says that if you use manual transfers, no automatic bank transfers will occur. And then in the very next paragraph it says that if you use manual transfers you have to transfer the money within 30 days.

Can someone clarify for me if that is maybe old documentation

We will take payment for tickets.. for events in the future.. and transfer money to managed accounts but do not want the money to auto disperse to their bank account after 30 days b/c we need to hold funds in case of refunds etc

30 days is the maximum you can hold them (mainly you get into issues holding longer / charging really far in advance because of limited chargeback windows)

So if a user creates an event 90 days into the future... when I collect payment from the purchaser... should I hold the funds in my platform account and NOT charge using the destination of the managed account

I was thinking I could send 50% to the managed account with a daily transfer configured... and then when the event is complete I could issue a reconciled transfer (Sales - Refunds - Money Already Transferred)... However in doing this approach I would have to do the refunds from the platform... so there would not be a transaction audit on the managed account for the refund.

if you hold the funds you potentially risk being classified as a money transmitter, you could charge directly to their account and refund it (they'd have a negative account balance, which can get dealt with via a withdrawal from a bank account), you could do charges with destinations and then just reverse the transfer when you do the refund, if they end up

with a negative balance a bank account withdrawal would be possible. Or you could do standalone accounts which would remove all risk from your account if you charge directly to the connected account

cant do standalone as users wont manage a stripe account

Let me ask this differently: What would be the best approach for us where the goal is our user gets paid quick.. but not 100% (need to hold for refunds). Users create events and sell tickets. Attendees buy those tickets and we are the marketplace. We want to collect the money and get it into the hands of the event creator but not 100%.

Our worry is that if we just pay 100% using the destination on the charge to the managed account with an app fee.... they managed account would get all their money.. and refunds may fall to us because of negative balances on the managed account.

a managed account can have a negative balance, stripe would resolve that negative balance by withdrawing from their bank account

but from what i read - all bank accounts do not support that

what happens when Stripe can't withdrawl the refund from the managed accounts bank account