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European payments are changing #115

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andrewsolomon opened this issue Jun 17, 2019 · 4 comments

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@andrewsolomon
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commented Jun 17, 2019

Strong Customer Authentication (SCA), a new rule coming into effect on September 14, 2019 as part of PSD2 regulation in Europe, will require changes to how your European customers authenticate online payments.

If you identify any necessary changes to Net::Stripe please open an issue - or better still, a pull request! Read more here:

https://stripe.com/gb/payments/strong-customer-authentication
https://stripe.com/docs/strong-customer-authentication

Please note - the legislative changes aren't yet completely nailed down, for example:
https://stripe.com/docs/billing/migration/strong-customer-authentication#scenario-2

SCA rules around subscriptions that don’t immediately process a payment are actively being developed by card networks. As a result, Stripe does not yet have an API interface to authenticate in this way.

so feel free to add comments to this thread as placeholders for un-spec'ed changes.

@ibrierley

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commented Jul 3, 2019

Hi, I'm trying to get my head around this at the moment.

Currently we get the customers card id, from Stripe, then create a charge, which is all working fine.

However, now there seems to be the PaymentIntents update with Stripe, i.e
https://stripe.com/docs/api/setup_intents &&
https://stripe.com/docs/api/payment_intents

Does this mean that one would no longer be able to create a charge, and would need to create an Intent ? I'm a bit confused as to the difference here...

@andrewsolomon

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commented Jul 4, 2019

I'm sorry I don't have an answer to your question. I suggest you ask Stripe support https://support.stripe.com/contact I'd also be very grateful if you could share what you learn here. Thanks!

@ibrierley

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commented Jul 8, 2019

Hi, will feedback soon, one thing I wasn't sure of with the API, is there a way to access an API call that isn't included yet as a method ? E.g if get_intents doesn't exist, something like $stripe->api('/payment_intents', x => y)

@andrewsolomon

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commented Jul 8, 2019

I think something like $stripe->_post('/payment_intents', { x=> $y}) could work but please feel free to setup new methods and issue a pull request and I'll release changes as soon as possible.

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