分享程序员开发的那些事...
更新时间：2023-12-02 22:35:52
感谢 Eduardo 的提问.
Thanks for the question, Eduardo.
有几种方法可以创建订阅，同时获得客户 SCA 身份验证和稍后对卡收费的许可.假设我们已经创建了一个 Stripe Customer 对象，并且他们的 ID 存储在 stripe_customer_id 中.根据您现在的流程，有几个步骤:
There are a couple ways to create a Subscription while gaining the Customers SCA authentication and permission to charge the card later. Assuming we already have a Stripe Customer object created and their ID is stored in stripe_customer_id. With the flow you have now there are a couple steps:
创建SetupIntent.请注意，如果您使用 usage: 'off_session' 和 Customer 创建它，它会在确认后附加生成的 PaymentMethod.
Create the SetupIntent. Note that if you create it with usage: 'off_session' and the Customer it'll attach the resulting PaymentMethod when confirmed.
setup_intent = Stripe::SetupIntent.create({
customer: stripe_customer_id,
usage: 'off_session',
})
收集付款详细信息并在客户端上使用其 client_secret 确认 SetupIntent，这会将 PaymentMethod 附加到客户.请注意，它会附加但不会默认设置为 invoice_settings.default_payment_method，因此您需要稍后进行单独的 API 调用以更新 Customer(请参阅步骤 3).
Collect payment details and confirm the SetupIntent using its client_secret on the client which will attach the PaymentMethod to the customer. Note that it will attach but will not be set as the invoice_settings.default_payment_method by default, so you'll need to make a separate API call later to update the Customer (see step 3).
stripe.confirmCardSetup(
'{{setup_intent.client_secret}}',
{
payment_method: {
card: cardElement,
},
}
).then(function(result) {
// Handle result.error or result.setupIntent
});
更新Customer 并将其invoice_settings.default_payment_method 设置为成功确认的SetupIntent 上PaymentMethod 的ID.
Update the Customer and set its invoice_settings.default_payment_method equal to the ID of the PaymentMethod on the successfully confirmed SetupIntent.
Stripe::Customer.update(
stripe_customer_id, {
invoice_settings: {
default_payment_method: 'pm_xxxx', # passed to server from client. On the client this is available on the result of confirmCardSetup
}
})
使用 off_session: true 创建 Subscription
subscription = Stripe::Subscription.create({
customer: stripe_customer_id,
proration_behavior: 'create_prorations',
items: [{
plan: "#{@stripe_plan_api_id}",
}],
default_tax_rates: [
"#{@stripe_tax_rate_id}",
],
expand: ["latest_invoice.payment_intent"],
off_session: true,
})
这使用所谓的商家发起的交易"(MIT) 进行订阅的第一笔付款.如果订阅是在客户离开之后创建的，并且技术上应该可行，那么这在技术上是可以的.
This uses what's called a "Merchant Initiated Transaction" (MIT) for the Subscription's first payment. This is technically okay if the Subscription is created later after the Customer leaves and should technically work.
如果在您创建 Subscription 时客户在您的网站/应用程序上，还有另一个流程更正确，不需要使用 SCA 的 MIT 豁免.订阅 没有试用的流程如下:
If the customer is on your site/app when you create the Subscription, there's another flow that is a bit more correct and doesn't require using a MIT exemption for SCA. The flow is the following for a Subscription without a trial:
在客户端使用 createPaymentMethod 收集卡详细信息(无 SetupIntent)
stripe.createPaymentMethod({
type: 'card',
card: cardElement,
}).then(function(result) {
//pass result to your server.
})
将这些卡的详细信息附加到 Customer
Stripe::PaymentMethod.attach(
"pm_xxx", {
customer: stripe_customer_id
}
)
更新Customer的invoice_settings.default_payment_method
Stripe::Customer.update(
stripe_customer_id,
invoice_settings: {
default_payment_method: @requested_source
}
)
创建订阅(没有 off_session: true)
subscription = Stripe::Subscription.create(
customer: data['customerId'],
items: [
{
price: 'price_H1NlVtpo6ubk0m'
}
],
expand: ['latest_invoice.payment_intent']
)
使用Subscription的latest_invoice的payment_intent的client_secret来收集支付细节并在客户端确认.
Use the Subscription's latest_invoice's payment_intent's client_secret to collect payment details and confirm on the client.
stripe.confirmCardPayment(
'{{subscription.latest_invoice.payment_intent.client_secret}}', { ......
从 SCA 的角度来看，第二个支付流程更正确，以获得授权以对该卡收费.此处的指南概述了第二种方法:https://stripe.com/docs/billing/订阅/固定价格
This second payment flow is a bit more correct from an SCA standpoint for getting authorization to charge the card. The second approach is outlined in the guide here: https://stripe.com/docs/billing/subscriptions/fixed-price
我们还有一个条纹示例，您可以在这里进行实验:https://github.com/stripe-samples/subscription-use-cases/tree/master/fixed-price-subscriptions
We also have a Stripe Sample you can use to experiment here: https://github.com/stripe-samples/subscription-use-cases/tree/master/fixed-price-subscriptions