#stripe

jasmer: Usually that's accompanied by a changed subscription status, so make sure the subscription is `active` after the fact.

korben: I tried it on the 3rd card and it was declined as well. Then it closed. Where are the settings to keep it from closing?

hi two questions, one why doesnt stripe api for creating cards care about user name?

Guest74281: because the banks don't care about the customer's name

and two i saw some ui element for adding money but i cant find it anymore

mattwc: If the customer hadn't had this problem 4 times in the past I might have considered it.

like just entering the charge in different currencies

jasmer: if they've had that problem 4 times in the past, maybe time to drop them as a customer

jasmer: Maybe a good first pass would be to simply reach out to your customer by phone/email and let them know you'd like to do this. :) It may get disputed otherwise. The setting is here: https://dashboard.stripe.com/account/recurring

Guest74281: you can pass the name to Stripe when you tokenize the card, but banks don't actually verify that data

mattwc: if it wasn't my cousin trust me I would have lol

mattwc, ok good to know

korben: It's my cousin lol hes just like that and I have to deal with it. but there is a limit

korben: did you get my PM?

korben: I want to know of I did that correctly

Does this cost me anything when payments fail?

jasmer: I got your PM.

jasmer: Nope.

ok thanks

:)

hey guys! quick question: how long do Stripe card tokens last? is there an expiry on them?

schutt: We recommend you use them within 5-minutes, because we can't keep all the details about the card around for much longer than that.

Is using the provided Express Dashboard strictly 100% necessary?

schutt: So "yes", but "no". If you're worried about that, I'd store the card on a customer. :)

rg: you can use managed accounts if you want to build your own dashboard

rg: Not really, I guess? ^^ that

I have the settings as follows. retry after 1 day, 5 days, 7 days Then finally "Mark the subscription as unpaid" should i instead select "leave subscriptiuon as is"?

korben: it was more that we had an error and weren't able to process the charge, then we wanted to retry the charge

jasmer: I always leave my subscriptions as-is.

jasmer: Then I cancel as necessary.

jasmer: Personally, I think it should be the default.

korben: mattwc: done! thanks for your help. much appreciation

korben: that is to say that we had the charge queued up, but there was a failure on our end ... could we retry the charge even 24 hours later?

jasmer: np

schutt: You can't re-use tokens. :(

schutt: You should put the token on a customer.

korben: sorry let me rephase ... our system failed BEFORE it made any calls to stripe, but we have the token stored

schutt: Oh, that's fine. You can retry with it. It might just fail because all the details aren't associated with the card at this point. Specifically the CVC (since you can't store those).

schutt: It's kinda like charging with a number + exp + name and nothing else.

schutt: Some banks will complain about it.

korben: I just tried to save the second section down on that page you gave me Then finally and I received this error "You must verify your phone number." My number is added and it active on my profile. What does this mean?

jasmer: I'm not sure what you're referring to here, sorry. You're saying we want you to verify your Stripe account?

jasmer: I'd reach out to https://support.stripe.com/email. Dashboard errors are not my fortay, sorry.

I have no idea. I tried to click "save" on the 2nd section on the link you sent me. IT says "You must verify you rphone number"

jasmer: ¯\_(ツ)_/¯ Sorry-- not sure why it would ask for that. It must mean Stripe just wants to know more about you for KYC rules. No idea why it isn't working with the number on the account though.

ok thanks

korben: so just to verify there isn't really an "expiry" on the tokens

schutt: Correct. They're around indefinitely, but they'll likely not work after 5-minutes.

possibly*

korben: if you allow "unsafe" charges in stripe, will they go through then?

schutt: It's not us declining the charge-- it's the bank.

schutt: If the bank doesn't see that CVC, they assume that the card isn't physically in the hands of the person making the charge.

schutt: So they may not allow it to process.

korben: isn't the token generated when the customer enters their number + cvv? does the CVV get desassociated?

schutt: Yes, we sweep it away, because you're not allowed to store the CVC.

schutt: It's a PCI rule.

korben: right. so the window is 5 minutes to get the token, and then process to avoid any potential issues with the bank declining a charge

Yep.

Ish.

haha

I don't know if that's a hard-set number.

It's ~5 minutes.

Your experience may vary by a few seconds/minutes. ;)

I was told earlier that when using the express account for business customers would be notified if extra verification is needed

im not seeing this happening

mr_pinkos: this is in test mode or live mode?

for both mattwc

is it disabled on the test mode?

how are you causing it in live mode?

payments over 1k

I wouldn't be surprised if no notifications were sent in test mode given the massive amounts of test email accounts people use

that's understandable in test mode

but in live mode

this process should be automatic correct?

it should (the fields should be listed as fields_needed) and Stripe takes control of informing the users

what I do notice is that when the user tries to access their dashboard through the link generated by the api

hmm mr_pinkos for any testmode verification you want to follow https://stripe.com/docs/connect/testing-verific...

asking for the extra fields

they are presented with a form right away

however with express accounts verification is between the account holder and Stripe to handle

yeah i followed that document but it didn't seem to help since it seems like it's specific to custom accounts

what are you trying to test for here?

basically making sure that my customer who's using stripe to charge his clients is notified when

additional verification is needed

so, with an express account the account holder will be notified directly by Stripe via SMS

the platform doesn't need to remind them at all

ooh

i thought it was through email

the thing to watch for is transfers_enabled / charges_enabled on the account https://stripe.com/docs/api#account_object-char...

which will go `false` if the account holder doesn't send their info by the deadline (which is a few days after Stripe contacts them)

I see

yep you need a mobile or number that can receive SMS to create an express account https://stripe.com/docs/connect/express-account...

that makes more sense now

i haven't gone through the links you posted yet but can find more info about the sms part in those documents

oh I see I see

thank you @hpar

sure! it's pretty easy to test in your own app too

at least onboarding & connecting an express account

So, is there a way to control Radar on custom connect accounts other than just going into the account's dashboard?

pw3: there isn't (though you could take a look if destination instead of direct charges are appropriate)

and then many of the radar rules you could implement yourself which might be better than limiting the rules to a particular account

Okay, but, by default, Radar will run on all the connected accounts using its default settings?

hi, it looks like our stripe test environment is not connected to our netsuite sandbox. Is there a setting we need to change?