Charging 3D secure cards

[AliOsm]

I want to charge users at the end of each month manually, as I calculate their usage and charge it 1 time per month.

This works fine with non-3D secure cards, but when I tested it with 3D secure cards, Pay raises this exception:

pay-6.8.1/lib/pay/payment.rb:52:in `validate': This payment attempt failed because additional action is required before it can be completed. (Pay::ActionRequired)

How to fix this? Maybe sending a link to the user to authenticate and complete the payment?

[AliOsm]

Based on: https://github.com/pay-rails/pay/blob/main/docs/stripe/4_sca.md, I need to catch the exception and send an email to the user to authenticate the payment, right?

[AliOsm]

So, I added a new webhook to send an email when the app receives stripe.payment_intent.action_required as follows:

# app/mailers/extended_pay_mailer.rb

class ExtendedPayMailer < Pay.mailer
  def payment_intent_action_required
    mail mail_arguments
  end
end

# app/views/extended_pay_mailer/payment_intent_action_required.html.erb

<h3>Extra confirmation is needed to process your payment</h3>
<p>Your <%= Pay.application_name %> subscription requires confirmation to process your payment to continue access.</p>
<p><%= link_to "Confirm your payment", pay.payment_url(params[:payment_intent_id]) %></p>
<p>If you have any questions, please hit reply and let us know.</p>
<p>— The <%= Pay.application_name %> Team</p>

# app/webhooks/payment_intent_action_required.rb

class PaymentIntentActionRequired
  def call(event)
    pay_customer = Pay::Customer.find_by(processor: :stripe, processor_id: event.data.object.customer)

    return if pay_customer.nil?

    ExtendedPayMailer.with(
      pay_customer:,
      payment_intent_id: event.data.object.id
    ).payment_intent_action_required.deliver_later
  end
end

# config/initializers/pay.rb

ActiveSupport.on_load(:pay) do
  Pay::Webhooks.delegator.subscribe 'stripe.payment_intent.requires_action', PaymentIntentActionRequired.new
end

Pay.setup do |config|
  config.application_name = 'application_name'
  config.business_name = 'business_name'
  config.business_address = 'business_address'
  config.support_email = 'support_email'

  config.send_emails = true
end

The email view is similar to payment_action_required, but I preferred to have it separated as I expect it to be changed in future.

@excid3 What do you think?

[AliOsm]

I think this email type should be added to Pay, what do you think?