Stripe 3D Secure and SCA

Hi,

1. where do we get the Wirecard details from? I cant see these on stripes site
– Wirecard details not require. it’s another payment gateway. Fields are visible by mistake, or possibly due to caching!

2. if I tick Stripe 3D secure and SCA then the Direct Charges Select box disappears!
– Stripe Split pay Charge API not yet supported by SCA and 3D Secure.It only supported by Intent API.
So, we have no other option than “Transfer Commission”.
We have wait so ling as expecting Stripe will add that in Charge API, but not yet!
You may talk to Stripe support for this as well, whether they are going to support this or not?

Thank You

Hi sdel_nevo,

I think this issue will get solved sooner or later, they just didn’t spend enough time on implementing it.
They were still rolling out SCA-related updates yesterday. Eventually they’ll get it right.

Regarding your other problem with vendors having access to all media files, I was struggling with that too.
I came up with a code snippet that solves it without altering user roles or permissions.
Strangely enough, this forum doesn’t seem to let me post any come. Pretty annoying.

By the way, we seem to be building very similar products with the exact same set of plugins and strategy, and so we’re facing the same technical challenges as well. I’m also struggling with WC Appointments’ Google sync, and experimenting with adding the staff role to vendors to solve it. I’m also using Direct Charge with Stripe Split Payment, so the SCA issue is also relevant for me. Perhaps there are ways we could help each other more directly. Feel free to email me at mihaly[at]getspiral.com .

Cheers

Hi,

I have just spoken to stripe support via chat
They have said that nothing has changed in relation to direct charges and the SCA AND 3D secure regulation

– That’s right, charges API does not change.

But, problem is that, for SCA we have to use Stripe Intent API where is charge user card automatically if SCA validation pass.
We can not apply Split option here as one order may have only one intent id which is used to charge that card.

But, if we have to create direct charge for vendors then we have to charge that user multiple time, for each vendors once. This is not possible using intent API.

Intent API also support connected account (vendor), but only one. So, if an order has only one vendor then only we can apply that, but for multiple vendors it will not work!

Stripe Charges API – https://stripe.com/docs/charges
It’s clearly written, it’s not SCA ready – https://ibb.co/LgKLFQG

Intent API – https://stripe.com/docs/payments/payment-intents/use-cases#one-time-payments
It allow to pass only one connected account and only once this can be call for an order – https://ibb.co/zNXtYjS

Thank You

Hi,

in your opinion do you think that in the near future stipe will update the charges API

– Hope so. That’s the reason we waited so long and release SCA compatibility update at very last moment 🙁

Thank You

Hello,

I also need the Stripe split pay, so if I fully understood, for now we can’t use it with SCA and 3D Secure ? will it work without it ? what’s the difference between having SCA and 3D Secure active and having it disabled ?

What about the 3 different modes existing ? I didn’t understand well what they are exactly ? what direct charge, Charge > Destination and Charge > Transfert means exactly ?

is the split payment’s working only to a stripe account ? so if I want to split, the vendor must have stripe configured ? is it working from stripe to a bank account or to Paypal ? if not and if I only want the split payment should I disable the paypal and bank account option ?

HI,

I also need the Stripe split pay, so if I fully understood, for now we can’t use it with SCA and 3D Secure ? will it work without it ? what’s the difference between having SCA and 3D Secure active and having it disabled ?

– Yeah, without SCA it will work.

What about the 3 different modes existing ? I didn’t understand well what they are exactly ? what direct charge, Charge > Destination and Charge > Transfert means exactly ?

– Please check this – https://stripe.com/docs/charges

is the split payment’s working only to a stripe account ? so if I want to split, the vendor must have stripe configured ? is it working from stripe to a bank account or to Paypal ? if not and if I only want the split payment should I disable the paypal and bank account option ?

– No, this is not work for PayPal. We have different addon for PayPal – https://wordpress.org/plugins/wc-frontend-manager-direct-paypal/

Thank You

split option only works from stripe to stripe ?

– Right, Split only work for Stripe.

Recently we have added another new split payment gateway “Wirecard/Moip”, not sure whether this works for your county or not!

Thank You

With stripe moving away from the charges API, and going to the Payments intent API,they have now created a new payments method API which uses intent to provide different ways to handle payments.

Full details on how to use the payments Method API with connect accounts is here, this should mean we can have full choice on accounts, payment types etc.
https://stripe.com/docs/payments/payment-methods/connect

Details on the Payment Methods API generally is here
https://stripe.com/docs/payments/payment-methods

Also did you know the ‘connect’ button for vendors now defaults to ‘Express’ connect accounts, not standard, so anyone who has updated may notice new vendors are connected with an express account now.

Hi,
By default the connect button connects to express account, but if needed can be changed to Standard. Though you can’t mix it. If you want to change it to Standard then use the following code-
add_filter( 'wcfm_is_allow_stripe_express_api', '__return_false' );
I hope this answers your question.
Thank You!

Yes thanks I worked this out.

Do you plan to use the new Payment Methods API so we can choose our payment options, this fixes all the above problems.

n your opinion do you think that in the near future stipe will update the charges API

– Hope so. That’s the reason we waited so long and release SCA compatibility update at very last moment

Hi,
For 3D secure payments we are already using PaymentIntent API.
Thank You!

Yes but you might need to look at Payment METHODs API also to provide full connect functionality.

Thank you.