Use statement_descriptor_suffix for card payments and fallback to Stripe account statement descriptions for all payments

changelog.txt

@@ -1,5 +1,9 @@
 *** Changelog ***
 
+= 7.9.2 - 2024-xx-xx =
+* Fix - Resolved an issue that could cause card payments to fail when providing a Bank statement description with the `statement_descriptor` parameter.
+* Tweak - The Bank statement description settings in the Stripe plugin settings are no longer editable. The description is now automatically pulled from the Stripe account settings.
+
 = 7.9.1 - 2024-01-16 =
 * Fix - PHP fatal error when updating a user with saved tokens from the WP Dashboard.
 

client/settings/payments-and-transactions-section/__tests__/index.test.js

@@ -1,4 +1,4 @@
-import { fireEvent, render, screen } from '@testing-library/react';
+import { render, screen } from '@testing-library/react';
 import PaymentsAndTransactionsSection from '..';
 import { useAccount } from 'wcstripe/data/account';
 import {
@@ -34,110 +34,84 @@ describe( 'PaymentsAndTransactionsSection', () => {
 			jest.fn(),
 		] );
 		useSeparateCardForm.mockReturnValue( [ true, jest.fn() ] );
-		useAccountStatementDescriptor.mockReturnValue( [
-			'WOOTESTING, LTD',
-			jest.fn(),
-		] );
-		useShortAccountStatementDescriptor.mockReturnValue( [
-			'WOOTESTING',
-			jest.fn(),
-		] );
+		useAccount.mockReturnValue( {
+			data: {
+				account: {
+					settings: {
+						payments: { statement_descriptor: 'WOOTESTING, LTD' },
+						card_payments: {
+							statement_descriptor_prefix: 'WOOTEST',
+						},
+					},
+				},
+			},
+		} );
+
 		useGetSavingError.mockReturnValue( null );
-		useAccount.mockReturnValue( { data: {} } );
 	} );
 
 	it( 'displays the length of the bank statement input', () => {
-		const updateAccountStatementDescriptor = jest.fn();
-		useAccountStatementDescriptor.mockReturnValue( [
-			'WOOTESTING, LTD',
-			updateAccountStatementDescriptor,
-		] );
 		render( <PaymentsAndTransactionsSection /> );
 
+		// The default bank statement ("WOOTESTING, LTD") is 15 characters long.
 		expect( screen.getByText( '15 / 22' ) ).toBeInTheDocument();
-
-		fireEvent.change( screen.getByLabelText( 'Full bank statement' ), {
-			target: { value: 'New Statement Name' },
-		} );
-
-		expect( updateAccountStatementDescriptor ).toHaveBeenCalledWith(
-			'New Statement Name'
-		);
 	} );
 
 	it( 'shows the shortened bank statement input', () => {
 		useIsShortAccountStatementEnabled.mockReturnValue( [
 			true,
 			jest.fn(),
 		] );
-		const updateShortAccountStatementDescriptor = jest.fn();
-		useShortAccountStatementDescriptor.mockReturnValue( [
-			'WOOTEST',
-			updateShortAccountStatementDescriptor,
-		] );
-		render( <PaymentsAndTransactionsSection /> );
 
-		expect( screen.getByText( '7 / 10' ) ).toBeInTheDocument();
+		useAccount.mockReturnValue( {
+			data: {
+				account: {
+					settings: {
+						card_payments: {
+							statement_descriptor_prefix: 'WOOTEST',
+						},
+					},
+				},
+			},
+		} );
 
-		fireEvent.change(
-			screen.getByLabelText( 'Shortened customer bank statement' ),
-			{
-				target: { value: 'WOOTESTING' },
-			}
-		);
+		render( <PaymentsAndTransactionsSection /> );
 
-		expect( updateShortAccountStatementDescriptor ).toHaveBeenCalledWith(
-			'WOOTESTING'
-		);
+		// The default short bank statement ("WOOTEST") is 7 characters long.
+		expect( screen.getByText( '7 / 10' ) ).toBeInTheDocument();
 	} );
 
 	it( 'shows the full bank statement preview', () => {
-		const updateAccountStatementDescriptor = jest.fn();
-		const mockValue = 'WOOTESTING, LTD';
-		useAccountStatementDescriptor.mockReturnValue( [
-			mockValue,
-			updateAccountStatementDescriptor,
-		] );
 		render( <PaymentsAndTransactionsSection /> );
 
 		expect(
 			document.querySelector(
 				'.full-bank-statement .transaction-detail.description'
 			)
-		).toHaveTextContent( mockValue );
+		).toHaveTextContent( 'WOOTESTING, LTD' );
 	} );
 
 	it( 'shows the shortened customer bank statement preview when useIsShortAccountStatementEnabled is true', () => {
 		useIsShortAccountStatementEnabled.mockReturnValue( [
 			true,
 			jest.fn(),
 		] );
-		const updateShortAccountStatementDescriptor = jest.fn();
-		const mockValue = 'WOOTEST';
-		useShortAccountStatementDescriptor.mockReturnValue( [
-			mockValue,
-			updateShortAccountStatementDescriptor,
-		] );
+
 		render( <PaymentsAndTransactionsSection /> );
 
 		expect(
 			document.querySelector(
 				'.shortened-bank-statement .transaction-detail.description'
 			)
-		).toHaveTextContent( `${ mockValue }* #123456` );
+		).toHaveTextContent( 'WOOTEST* W #123456' );
 	} );
 
 	it( 'should not show the shortened customer bank statement preview when useIsShortAccountStatementEnabled is false', () => {
 		useIsShortAccountStatementEnabled.mockReturnValue( [
 			false,
 			jest.fn(),
 		] );
-		const updateShortAccountStatementDescriptor = jest.fn();
-		const mockValue = 'WOOTEST';
-		useShortAccountStatementDescriptor.mockReturnValue( [
-			mockValue,
-			updateShortAccountStatementDescriptor,
-		] );
+
 		render( <PaymentsAndTransactionsSection /> );
 
 		expect(
@@ -215,25 +189,4 @@ describe( 'PaymentsAndTransactionsSection', () => {
 			)
 		).toBeInTheDocument();
 	} );
-
-	it( "shows the account's statement descriptor placeholder", () => {
-		const mockValue = 'WOOTESTING, LTD';
-
-		useAccount.mockReturnValue( {
-			data: {
-				account: {
-					settings: { payments: { statement_descriptor: mockValue } },
-				},
-			},
-		} );
-		useIsShortAccountStatementEnabled.mockReturnValue( [
-			true,
-			jest.fn(),
-		] );
-		render( <PaymentsAndTransactionsSection /> );
-
-		expect(
-			screen.queryByText( 'Full bank statement' ).nextElementSibling
-		).toHaveAttribute( 'placeholder', mockValue );
-	} );
 } );

client/settings/payments-and-transactions-section/index.js

@@ -1,7 +1,13 @@
 import { __ } from '@wordpress/i18n';
 import React, { useContext } from 'react';
-import { Card, CheckboxControl, TextControl } from '@wordpress/components';
+import {
+	Card,
+	CheckboxControl,
+	TextControl,
+	ExternalLink,
+} from '@wordpress/components';
 import { Icon, help } from '@wordpress/icons';
+import interpolateComponents from 'interpolate-components';
 import CardBody from '../card-body';
 import TextLengthHelpInputWrapper from './text-length-help-input-wrapper';
 import StatementPreviewsWrapper from './statement-previews-wrapper';
@@ -12,9 +18,7 @@ import Tooltip from 'wcstripe/components/tooltip';
 import {
 	useSavedCards,
 	useSeparateCardForm,
-	useAccountStatementDescriptor,
 	useIsShortAccountStatementEnabled,
-	useShortAccountStatementDescriptor,
 	useGetSavingError,
 } from 'wcstripe/data';
 import InlineNotice from 'wcstripe/components/inline-notice';
@@ -39,18 +43,10 @@ const PaymentsAndTransactionsSection = () => {
 		isSeparateCardFormEnabled,
 		setIsSeparateCardFormEnabled,
 	] = useSeparateCardForm();
-	const [
-		accountStatementDescriptor,
-		setAccountStatementDescriptor,
-	] = useAccountStatementDescriptor();
 	const [
 		isShortAccountStatementEnabled,
 		setIsShortAccountStatementEnabled,
 	] = useIsShortAccountStatementEnabled();
-	const [
-		shortAccountStatementDescriptor,
-		setShortAccountStatementDescriptor,
-	] = useShortAccountStatementDescriptor();
 
 	const { isUpeEnabled } = useContext( UpeToggleContext );
 
@@ -64,9 +60,19 @@ const PaymentsAndTransactionsSection = () => {
 		: __( 'All Payment Methods', 'woocommerce-gateway-stripe' );
 
 	const { data } = useAccount();
-	const statementDescriptorPlaceholder =
+	const stripeAccountStatementDescriptor =
 		data?.account?.settings?.payments?.statement_descriptor || '';
 
+	const stripeAccountShortStatementDescriptor =
+		data?.account?.settings?.card_payments?.statement_descriptor_prefix ||
+		'';
+
+	// Stripe requires the short statement descriptor suffix to have at least 1 latin character.
+	// To meet this requirement, we use the first character of the full statement descriptor.
+	const shortStatementDescriptorSuffix = stripeAccountShortStatementDescriptor.charAt(
+		0
+	);
+
 	return (
 		<Card className="transactions-and-payouts">
 			<CardBody>
@@ -122,23 +128,29 @@ const PaymentsAndTransactionsSection = () => {
 					</InlineNotice>
 				) }
 				<TextLengthHelpInputWrapper
-					textLength={ accountStatementDescriptor.length }
+					textLength={ stripeAccountStatementDescriptor.length }
 					maxLength={ 22 }
 					iconSlot={ <TooltipBankStatementHelp /> }
 				>
 					<TextControl
-						help={ __(
-							'Enter the name your customers will see on their transactions. Use a recognizable name – e.g. the legal entity name or website address – to avoid potential disputes and chargebacks.',
-							'woocommerce-gateway-stripe'
-						) }
+						help={ interpolateComponents( {
+							mixedString: __(
+								'You can change the description your customers will see on their bank statement in your {{settingsLink}}Stripe account settings{{/settingsLink}}. Set this to a recognizable name – e.g. the legal entity name or website address – to avoid potential disputes and chargebacks.',
+								'woocommerce-gateway-stripe'
+							),
+							components: {
+								settingsLink: (
+									<ExternalLink href="https://dashboard.stripe.com/settings/public" />
+								),
+							},
+						} ) }
 						label={ __(
 							'Full bank statement',
 							'woocommerce-gateway-stripe'
 						) }
-						value={ accountStatementDescriptor }
-						onChange={ setAccountStatementDescriptor }
-						placeholder={ statementDescriptorPlaceholder }
+						value={ stripeAccountStatementDescriptor }
 						maxLength={ 22 }
+						disabled={ true } // This field is read only. It is set in the Stripe account.
 					/>
 				</TextLengthHelpInputWrapper>
 
@@ -170,22 +182,29 @@ const PaymentsAndTransactionsSection = () => {
 						) }
 						<TextLengthHelpInputWrapper
 							textLength={
-								shortAccountStatementDescriptor.length
+								stripeAccountShortStatementDescriptor.length
 							}
 							maxLength={ 10 }
 						>
 							<TextControl
-								help={ __(
-									"We'll use the short version in combination with the customer order number.",
-									'woocommerce-gateway-stripe'
-								) }
+								help={ interpolateComponents( {
+									mixedString: __(
+										"We'll use the shortened descriptor in combination with the customer order number. You can change the shortened description in your {{settingsLink}}Stripe account settings{{/settingsLink}}.",
+										'woocommerce-gateway-stripe'
+									),
+									components: {
+										settingsLink: (
+											<ExternalLink href="https://dashboard.stripe.com/settings/public" />
+										),
+									},
+								} ) }
 								label={ __(
 									'Shortened customer bank statement',
 									'woocommerce-gateway-stripe'
 								) }
-								value={ shortAccountStatementDescriptor }
-								onChange={ setShortAccountStatementDescriptor }
+								value={ stripeAccountShortStatementDescriptor }
 								maxLength={ 10 }
+								disabled={ true } // This field is read only. It is set in the Stripe account.
 							/>
 						</TextLengthHelpInputWrapper>
 					</>
@@ -198,16 +217,16 @@ const PaymentsAndTransactionsSection = () => {
 								'Cards & Express Checkouts',
 								'woocommerce-gateway-stripe'
 							) }
-							text={ `${ shortAccountStatementDescriptor }* #123456` }
+							text={ `${ stripeAccountShortStatementDescriptor }* ${ shortStatementDescriptorSuffix } #123456` }
 							className="shortened-bank-statement"
 						/>
 					) }
 					<StatementPreview
 						icon="bank"
 						title={ translatedFullBankPreviewTitle }
 						text={
-							accountStatementDescriptor ||
-							statementDescriptorPlaceholder
+							stripeAccountStatementDescriptor ||
+							stripeAccountShortStatementDescriptor
 						}
 						className="full-bank-statement"
 					/>

includes/abstracts/abstract-wc-stripe-payment-gateway.php

@@ -429,13 +429,12 @@ public function get_stripe_return_url( $order = null, $id = null ) {
 	 */
 	public function generate_payment_request( $order, $prepared_payment_method ) {
 		$settings                              = get_option( 'woocommerce_stripe_settings', [] );
-		$statement_descriptor                  = ! empty( $settings['statement_descriptor'] ) ? str_replace( "'", '', $settings['statement_descriptor'] ) : '';
-		$short_statement_descriptor            = ! empty( $settings['short_statement_descriptor'] ) ? str_replace( "'", '', $settings['short_statement_descriptor'] ) : '';
 		$is_short_statement_descriptor_enabled = ! empty( $settings['is_short_statement_descriptor_enabled'] ) && 'yes' === $settings['is_short_statement_descriptor_enabled'];
 		$capture                               = ! empty( $settings['capture'] ) && 'yes' === $settings['capture'] ? true : false;
 		$post_data                             = [];
 		$post_data['currency']                 = strtolower( $order->get_currency() );
 		$post_data['amount']                   = WC_Stripe_Helper::get_stripe_amount( $order->get_total(), $post_data['currency'] );
+
 		/* translators: 1) blog name 2) order number */
 		$post_data['description'] = sprintf( __( '%1$s - Order %2$s', 'woocommerce-gateway-stripe' ), wp_specialchars_decode( get_bloginfo( 'name' ), ENT_QUOTES ), $order->get_order_number() );
 		$billing_email            = $order->get_billing_email();
@@ -446,21 +445,11 @@ public function generate_payment_request( $order, $prepared_payment_method ) {
 			$post_data['receipt_email'] = $billing_email;
 		}
 
-		switch ( $order->get_payment_method() ) {
-			case 'stripe':
-				if ( $is_short_statement_descriptor_enabled && ! ( empty( $short_statement_descriptor ) && empty( $statement_descriptor ) ) ) {
-					$post_data['statement_descriptor'] = WC_Stripe_Helper::get_dynamic_statement_descriptor( $short_statement_descriptor, $order, $statement_descriptor );
-				} elseif ( ! empty( $statement_descriptor ) ) {
-					$post_data['statement_descriptor'] = WC_Stripe_Helper::clean_statement_descriptor( $statement_descriptor );
-				}
-
-				$post_data['capture'] = $capture ? 'true' : 'false';
-				break;
-			case 'stripe_sepa':
-				if ( ! empty( $statement_descriptor ) ) {
-					$post_data['statement_descriptor'] = WC_Stripe_Helper::clean_statement_descriptor( $statement_descriptor );
-				}
-				// other payment methods error if we try to add a statement descriptor in the request
+		if ( 'stripe' === $order->get_payment_method() ) {
+			$post_data['capture'] = $capture ? 'true' : 'false';
+			if ( $is_short_statement_descriptor_enabled ) {
+				$post_data['statement_descriptor_suffix'] = WC_Stripe_Helper::get_dynamic_statement_descriptor_suffix( $order );
+			}
 		}
 
 		if ( method_exists( $order, 'get_shipping_postcode' ) && ! empty( $order->get_shipping_postcode() ) ) {
@@ -1324,8 +1313,8 @@ public function generate_create_intent_request( $order, $prepared_source ) {
 			$request['customer'] = $prepared_source->customer;
 		}
 
-		if ( isset( $full_request['statement_descriptor'] ) ) {
-			$request['statement_descriptor'] = $full_request['statement_descriptor'];
+		if ( isset( $full_request['statement_descriptor_suffix'] ) ) {
+			$request['statement_descriptor_suffix'] = $full_request['statement_descriptor_suffix'];
 		}
 
 		if ( isset( $full_request['shipping'] ) ) {