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Marcolino922's avatar

SCA for recurring payments

Hi, I wanted to ask a question that I am facing. I'm using Stripe to create subscriptions with recurring payments, but I was reading here: https://stripe.com/it/guides/strong-customer-authentication#quando-%C3%A8-obbligatoria-la-strong-customer-authentication that this step is not necessary, precisely in this point "gli addebiti diretti ricorrenti sono considerati come "avviati dall’esercente" e non richiedono questo tipo di autenticazione".

Is it therefore necessary?

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2 replies
martinbean's avatar

@marcolino922 I don’t really know as I don’t speak (or read) Italian. But SCA is needed for most card payments in Europe.

The customer will be prompted to go through the SCA flow on sign-up if necessary. This will create a subscription. There then may be subsequent payments that need SCA authorisation again. You should prompt your customers to approve their payment if this happens. Stripe will send you a webhook notifying you of this, or Cashier will handle sending the notification automatically if you’re using it.

Marcolino922's avatar

Hi, I am approaching Stripe for the first time with Laravel, so I apologize if I miss something. Anyway, I'm already using this method from the Laravel documentation:

use Laravel\Cashier\Exceptions\IncompletePayment;

try {
    $subscription = $user->newSubscription('default', $planId)
                            ->create($paymentMethod);
} catch (IncompletePayment $exception) {
    return redirect()->route(
        'cashier.payment',
        [$exception->payment->id, 'redirect' => route('home')]
    );
}

Is it already enough?

I did a little test trying a card that is rejected, a window is opened where it asks me again to insert the card and name, but once the payment has been made, the status does not vary from "incomplete" to "active", on the contrary it creates a new subscription.

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