How comprehensive is the Stripe payment validation?

Hi.

I am thinking of replacing the Stripe credit card payment function my website with the Stripe payment capability built into JotForm.

On my website, I have to check for a lot of different error codes returned by the Stripe API. Does JotForm test comprehensively for all of the various Stripe API error conditions too?

Here are three examples of the errors I test for. I am particularly keen to get confirmation that JotForm tests for the payment declined condition.

- API Connection Error (network problem)

- API Error (Stripe servers down)

- Card Error (Card details were correct but payment was declined)

Cheers!

Dave.

Hi Dave,

I am not really very knowledgeable about the Stripe API error codes since these are mostly on the back-end code.

Can you please tell us what specifically is the purpose why you need to identify the API error codes?

Are you after to create your own custom error validations?

From what I understand, you will not be able to create your own custom validations using our JotForm Stripe integration. But I am also not too sure about this, so I need more details on what is it you are after so I can include the details should I elevate this to our next level support.

Just to let you know also, there is a test mode you can use to test the integration.

We will wait for your updated response.

Thanks.

Hi Jonathan

I don't need to capture the error codes, I would just like peace of mind that you guys capture all error conditions and will provide an appropriate error message to my customers.

With Stripe there is usually some superficial vaildation done first - e.g. card number valid, expiry date in the future - and then an attempt is made to actually charge the card. I would like to know what Jotform does if the charge attempt fails, e.g. because of insufficient funds. I don't believe there is a way to test this.

Cheers

Dave

Hi Dave,

Thank you for providing us with more details and clarity.

With Stripe there is usually some superficial vaildation done first - e.g. card number valid, expiry date in the future - and then an attempt is made to actually charge the card. 

This is correct.

As far as I know, our Stripe integration process will attempt first all the validations (like those you mentioned), then it will attempt to submit the form. If for some reason the submission fails, then the payments will not be charged. 

I would like to know what Jotform does if the charge attempt fails, e.g. because of insufficient funds

There is actually NO charge attempt failure that can occur because there is NO incomplete payments as far as the Stripe payment tool is concern.

Failed payments (due to billing account validation issue or form issue) will immediately disregard any charges. So, no charges for failed payments/submission.

Hope I am able to explain it correctly. Tell us if you have further inquiry.

Thanks.

I'm sorry but I don't quite understand. 

Would you be able to tell me exactly what my customer would see if they enter their credit card details and click submit but then the charge attempt fails because they are over their credit limit.  I assume that Jotform won't display my custom Thank You page, but what error messages will  they see?

Thanks

Dave.

Hi Dave,

If the credit card was declined (can be due to several reason i.e. over the limit) -- the form will still be able to submit and the user will see the jotform custom Thank you page.

The message that can be seen on Stripe is taken from the submitter CC's provider. Once the charged submitted by Stripe to the user's bank account is declined, Stripe automatically relays the error message.

As I was saying, there is no chance for Stripe to charge the user's credit card if there is failure in the billing process.

Thanks. 

Hi Jonathan

But I don't want the customer to be taken to the Thank You page if their payment was declined. If they can't pay for the item, I don't want to say 'thank you for your payment'! Is there not a way to intercept this error in Jotform?

Cheers

Hi,

The jotform will be submitted as long as the billing information (in jotofrm) passes validations.

The payment process will only occur after submission because it will happen on Stripe end. Stripe will initiate charges using the user's CC account. If Stripe encounter issue charging the CC account, it will immediately notify the CC account.

 I don't want to say 'thank you for your payment'! Is there not a way to intercept this error in Jotform?

JotForm will not be able to intercept this error before it can submit the form. It is because the payment decline process occurs on Stripe side.

JotForm will only validate the billing information provided(when filling the form), and if it encounters any validation issue then it will not submit the form.

Please inform us if there is more we can assist you with.

Thanks.

Ok, I understand. Thanks for clarifying this.

Dave.

Hi Dave,

Perhaps this discussion thread can also help on your requirement.

Thanks.

Hi Jonathan

I added my comments to the end of that thread. I think that not being able to detect/respond to a charge declined situation is a shortcoming of Jotform's Stripe integration.

Jotform's Stripe integration would be far better if it could handle this, rather than proceeding to the thank you URL even when a payment is not made.

Hi,

I have created a separate thread about it here http://www.jotform.com/answers/432074-How-to-have-autoresponder-email-when-Stripe-payment-was-declined#0

We will attend to that post separately.

Thanks.

hi...

Hello,

have split the thread in order to assist better by our support team as you can find it at the following link: https://www.jotform.com/answers/1052744 

We are going to answer your question at that link.

Thank you.