#stripe

ftknox: Got it working, thanks!

@ftknox - i am trying to simulate an event where the plan changes to a plan with a different interval, but in the UI it says "Only showing plans with matching interval and currency."

is it possible to do that?

sg123: exactly. The `Token` object which results from the Checkout form will have a `card` hash on it and you'll want to inspect the `funding` attribute in that hash

nickmac: Sure - what are your questions?

@ftknox, perfect, thank you!!!

hckd: I'm not sure I understand what exactly you are trying to do. Are you trying to ensure that a `Customer` can only have a single trial period?

@hckd what I did (django/python) was create a trial_period_days argument in my site's settings and then when I create subscriptions I create them using that argument, so I can change it dynamically and just leave all the subscription objects on Stripe with "no trial"

althea: You can change a `Customer` object's subscription like that, but I suspect you'd have to do it through the Stripe API (see https://stripe.com/docs/subscriptions/changing for more info and code examples)

@ftknox ok i'll try that

yes, but I don't want that trial users will have predefined plan

@ftknox - Awesome. So on the customer end, we want to be able to add multiple products from multiple connected accounts or "brands". We want the customer to be able to checkout once but then receive e-mails from different brands with product information about their order.

after registration customer don't fill any credit cards and don't choose plan, just using with small limit ex. 2, after finish trial period he should fill credit card and choose regular plan with limits (5,10,25,50)

hckd: When you create the Subscription for a Customer, you can specify when the trial period ends (as you've probably read at https://stripe.com/docs/subscriptions/trials)

@ftknox As far as the platform, we want to be able to connect accounts and charge them a fee (% based) for using our platform. We don't want to charge the customer from our platform because we don't want to handle the refunds and chargebacks.

hckd: But to see if a Customer has ever had a trial, you'll need to inspect the `trial_end` attribute on the `Subscription` object which will be set to a timestamp if a trial period ever existed.

hckd: and you will have to enforce on your end not creating/allowing a second trial period. That isn't something that Stripe enforces.

I assume that every new customer after registration have trial plan and manage trial expiration on my end

hm, probably I found solution, I can create customer on Stripe without subscription, isn't it ?

hckd: Correct. You can create a `Customer` object without a `Subscription` associated with it

nickmac: hmm. You might want to write in via https://support.stripe.com/email for help with this.

@ftknox - Sounds good. Thank you.

and when trial period on my side will finish, I will ask customer to fill credit card and choose plan, and after filling I will send to Stripe subscription for this user

nickmac: The scenario you've described is best solved by following https://stripe.com/docs/connect/charges-transfers, but that does mean that the Charge is made on your Platform account (which you said you don't want)

@korben, yes, please excuse my typo, I meant TLS

kees

Sorry, I asked this question earlier, but I had to take a call. I'm developing an ecommerce site and I'm interested in integrating with Checkout. I'm curious about what kind of technology is used to secure CC information entered during the process

kees_ : the data is sent directly to Stripe over HTTPS

Under what circumstances would one ever roll a publishable key? Does rolling the private key mandate also rolling the publishable key?

slinkP : you ~never need to roll a publishable key unless you want to explicitly block like an old version of your mobile from working (where it was hardcoded) maybe?

Great, thank you koopajah

Hello! We're trying to do P2P transfers using Stripe, and we're getting kind of confused in the difference between Customer accounts and Connected accounts in the context of p2p payments.

Basically we're trying to facilitate person A using our platform sending money to person B, without us taking a cut. Do we have to create Customer accounts and Connected accounts for every individual on the platform? Or is there a way to do a direct transfer between two connected accounts using the "acct_***" tokens?

I've spent a lot of time poring over the documentation to little to no avail at resolving this, so any help would be greatly appreciated.

Alex_ : if you use Custom accounts you can debit the accounts: https://stripe.com/docs/connect/account-debits

It looks like that would have to go through the platform account. Can I do a debit account with a Connected account destination instead of a platform strip ID account?

no it would have to go through the platform in that case but that should not be an issue. I'd recommend talking to our support team about this directly: https://support.stripe.com/email

Okay, thank you!

@koopajah : Thanks for answering

kees_ : sure!

I am trying to understand whether or not Stripe supports debit cards and in what jurisdictions they support debit cards. Anyone know?

we do support debit cards everywhere

why are there sometimes negative balances on a Stripe account? Do people ever use their account to pay others? I thought the accounts are basically for accepting credit cards online

bilb_ono : negative balance happen often after a refund: you charge someone 100$, you get the funds and later they want a refund

koopajah: but their refund can’t be more than $100 …

well you could refund numerous charges at once for example?

but no matter the refund, you must have gotten the money in your account to begin with, right? how else would it be a refund

Are you required to enter a PIN in order to use a debit card?

bilb_ono : but you could have been paid for those funds already.

Halifernus : do you mean a CVC? If so it depends.

also, customer pays X, stripe takes fee Y, account refunds X, account now has -Y

right?

correct

Hola

@koopajah In Canada we use debit cards that require a PIN to withdraw cash from an ATM. We can also buy items with them but they require a PIN # be entered in order to verify we are the owner of the card. Debit cards do not typically have a CVC

Halifernus : I'm not familiar with those cards so you likely want to ask our support team: https://support.stripe.com/email but it's likely that those only work in stores and not online

Thank you @koppajah

koopajah: um what? can you walk me through what you mean? I, the merchant get paid. Stripe does bank stuff to get money from the customers bank and put it into my stripe account. Later, customer asks for refund. I agree and Stripe does bank stuff to credit the customers account with the exact amount of money they spent originally. Stripe transfers said money from my stripe account to do so

bilb_ono : I'm sorry but I don't follow you. I think you want to talk to our support team and ask them to clarify what happened with that specific account instead: https://support.stripe.com/email

are you saying that perhaps the customer asks for the refund and Stripe does the refund bank stuff before the bank stuff to get the money in the first place?

koopajah I don’t have a specific case. I just notice in the api docs it mentions negative balances as examples and I don’t understand how thats possible to achieve.

bilb_ono : I charge John doe $100. I get the $100 minus Stripe's fees. My balance is back at 0. A month later, John Doe is unhappy and wants a refund. I refund them $100. My balance goes to -$100. Then Stripe gets those funds back from my bank account (or from future charges) and my balance goes back to 0

koopajah: wait how is your balance back at 0?

oh like you transfer money from your stripe acount into somewhere else?

and then john asks for the refund

yes into your bank account, which in most cases happens daily

ahh interesting

hmm do you setup how frequent your bank account gets credited?

you can set this up in the dashboard yes

ok thanks

sure! sorry if I made it confusing at first

Hello there

I have a stripe question and was wondering if anyone is around?

bing111 : sure, what is your question?

Hello, I have a question with checkout.js. It sometimes straight up refuses to load. Other times, assets it loads will refuse to load. This puts the Chrome is a perpetual spinning load state. Here is a screenshot from my dev tools: https://imgur.com/a/ecyvS -- It is only Chrome and Chromium desktop as far as I know, but it happens on both my dev and live sites. Interesting thing is nothing had changed on either of them since it was la

I put stripe checkout in my Rails app

I am testing some test cards for card declines

whenever a card is declined, Stripe doesn't let it go through

on the backend

I don't get anything

I was expecting a charge outcome object

David_ : looks like something is blocking the request, like a network issue or an extension maybe?

bing111 : you would get an exception https://stripe.com/docs/api#errors

Stripe does decline it in the Stripe modal window

I would be happy to provide url if anyone is interesting in seeing it themselves.

I am doing this in my code

charge = Stripe::Charge.create( :customer => current_user.stripe_token, :amount => TestRecord::PRICE, :description => @mcle.article.title, :currency => 'usd' )

I should get an exception, right?

bing111 : what is the "modal window"? Do you mean Checkout? If so that happens a tokenization before the token even exist

@koopajah I thought that too, but it was reported to me from an end user and it does the exact same thing on my machine and one other in the office.

on the backend if the card is decline

David_ : but that screenshot says nothing except that the network request is pending.

hey guys, random thought, but the recaptcha after 2FA auth is kind of obnoxious

My screenshot says

Your card was declined

that's it

on the Rails console

I don't see anything

bing111 : I was talking to David

bing111 : You're misunderstanding how this works. Checkout declines the card before the token is created. So there's nothing happening server-side. It all happens client-side. You can not catch those

ohhhh

so what's this document then?

this happens when the charge creation fails, server-side, when the card is valid but you try to charge $100 and the bank says no

ohh

thanks for the explanation

sure!

@koopajah, which is exactly the problem. The request starts, but never completes. I end up having to kill the tab. I can cUrl it and access script directly in browser.

I have tried all the decline combinations here: https://stripe.com/docs/testing#cards