SCA stripe

[EK]

Hi,

When we select ‘Stripe 3D Secure and SCA?’ as yes, the option to select ‘Stripe Split Pay Mode’ disappears.

1. When SCA is enabled, which settings decide how the commission is split? (Direct, destination or transfer charges)

2. We noticed additional re-direct url is recommended by WCFM-marketplace : https://www.domain.com?store-setup=yes&step=payment . Is this new re-direct for SCA?

3. You want us to keep 2 re-direct url in total then?

Thanks for clarifying 🙂

Have a nice weekend.

Best Regards,
AK

[WCFM Forum]

Hi,

1. When SCA is enabled, which settings decide how the commission is split? (Direct, destination or transfer charges)

Stripe 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!

2. We noticed additional re-direct url is recommended by WCFM-marketplace : https://www.domain.com?store-setup=yes&step=payment . Is this new re-direct for SCA?

– This new url for “Store Setup widget” Stripe connect, not related to SCA.

3. You want us to keep 2 re-direct url in total then?

– Yeah, but if you had disabled Store Setup widget then it will not require!

Thank You

[EK]

Thank you for your replies and clarifications. We will get in touch with stripe about this. Let us know if you have any updates about this topic as it fundamentally affects the business model.

Thank you and have a nice day ahead.

[sdel_nevo]

Hi Guys

I have been in touch with Stripe support this morning regarding SCA and direct charges this is there reply using payment intents

“Ok, I see. Basically direct charges work with our New Checkout, which is supported by SCA. SCA requires Payment Intent to be used in the place of Charges API.”

This is a link on Direct Charges with New Checkout, which can be checked out here: https://stripe.com/docs/strong-customer-authentication/connect-platforms#step-2, this document link was provided by stripe support,

The document covers all methods of charges but for just direct method the documents are here: https://stripe.com/docs/connect/direct-charges

As there is a way that this can be done on Payment Intent: https://stripe.com/docs/connect/direct-charges and https://stripe.com/docs/api/payment_intents/object#payment_intent_object-application_fee_amount

this is clarification from stipe that it can be done

“Steve, just to be sure here, the connected account once the direct charge is used, will be affected by Stripe Fees, so what you are looking for is to collect application fee with those fees right?

So basically, if you are using direct charges and the charge is happening on the connect account, the connect account will be the one paying the stripe processing fees, you can pull commission from the payment as well by setting the application fee on the charge, which the link that I have sent above would be best to implement it with Payment Intent”

So Stripe says SCA can pass all fees to connected accounts in the same way as direct charges do, and we are able to set an application fee (our commission) if required also using the new checkout and the payment Intent API

Will this enable you guys to provide SCA using direct charges?
I really hope it does as if not im completely lost as to how we move forward with it

Steve

[EK]

Hi Steve,

Thank you for your fantastic writeup. Sorry I was away due to personal reasons.

WCFM is not using payments intent API yet I think? So, we will open the issue with stripe but if they reply that the only way forward is to use the payments intent API, I will post here so that we can move that direction in the future.

Using direct charges are extremely important for EU based businesses due to upcoming tax laws and since SCA is obligatory in EU payments, we will need to resolve this soon. I will keep this post updated and you should hear back in 10 days.

Thanks a lot Steve and team WCFM. Have a nice day ahead.

Best Regards,
Ak

[me]

Hi AK,
Sorry for the slightly offtopic question, but I was wondering which upcoming EU tax laws you were referring to. Thanks!
Mihaly

[sdel_nevo]

Hi AK

No problem mate
Speak soon

Steve

[Author]

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