Add Collective name to credit card statements

[Betree]

User story

As a financial contributor, I can see the collective name I'm contributing to on my credit card statement.

Today only the host name is displayed, but most users contribute to only one collective and probably don't know what the Open Source Collective is.

Today

Expected

Best solution for this problem

This can be achieved thanks to the statement_descriptor parameter. Note that the following rules apply:

• Contains between 5 and 22 characters, inclusive.
• Contains at least one letter.
• Does not contain any of the special characters < > \ ' " *.
• Reflects your doing business as (DBA) name.

So my suggestion would be:

statement_descriptor: truncate(`${host.name}: ${collective.name}`, {length: 22})

We also need to write a test to make sure that no matter what the host & collective names are (special characters, very short length...etc) this always meet the rules mentioned above (we may have to add some tweaks to achieve that).

Context

Requested in https://opencollective.freshdesk.com/a/tickets/4969
Should be re-thinked when implementing #1916

[flaki]

For an added data point, our host name is already 22 characters in itself so the proposed solution wouldn't leave us with anything better than the current situation.

I would probably prefer to allow hosts to change this on a per-collective basis for the collectives they host. Our own Stripe account already is set to use "BAYTECH", so I would imagine for Rust Tallinn we would want to set this to "RUST TALLINN / BAYTECH" while for Bay Area Tech Club we would probably just leave this as "BAYTECH" (or spell out BAY AREA TECH CLUB).

[Betree]

@flaki thanks for the additional info. Then what I'd suggest is for us to add a setting inside collective.settings.shortName for hosts and collectives to customize the value that will be used on their statements.

[stale]

This issue has been automatically marked as stale because it has not had recent activity. We haven't had the time to address it yet, but we want to keep it open. This message is just a reminder for us to help triage issues.

[Deep1Shikha]

@Betree could you assign it to me?

[Betree]

@Deep1Shikha This issue lacks some comprehensive specs, and I would like us to think a bit more about it since we recently introduced #3689 which is kind of related.
I can recommend looking at one of these issues instead: https://github.com/opencollective/opencollective/issues?q=is%3Aopen+is%3Aissue+label%3A%22good+first+issue%22

[Betree]

Stripe has this interesting onboarding step:

[Betree]

Note: PayPal has a soft_descriptor option (max length 22) for this

[hdiniz]

Stripe also has this option on a payment intent basis:

• https://stripe.com/docs/api/payment_intents/object#payment_intent_object-statement_descriptor

  For non-card charges, you can use this value as the complete description that appears on your customers’ statements. Must contain at least one letter, maximum 22 characters.

• https://stripe.com/docs/api/payment_intents/object#payment_intent_object-statement_descriptor_suffix

  Provides information about a card payment that customers see on their statements. Concatenated with the prefix (shortened descriptor) or statement descriptor that’s set on the account to form the complete statement descriptor. Maximum 22 characters for the concatenated descriptor.