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But the whole question of "which payment method do you want to use?" is unnecessary complexity if they're sitting there with a card in their hand. Wouldn't it b

by ENGNR 7y ago

But the whole question of "which payment method do you want to use?" is unnecessary complexity if they're sitting there with a card in their hand. Wouldn't it be better to let the front end service handle that question, and then use the appropriate Stripe APIs in the front end? The whole revelation of stripe was that if a customer was sitting there with a credit card, they just put it there into the same screen and it was done. It was the other crappy products that forced you out into a merchant gateway then back again I'm never going to send retail customers out a payment gateway with someone else's brand/colors/html, mostly because it's just too confusing to introduce more concepts at that critical stage when they're about to actually make the payment

Chris_Newton 7y ago
I'm never going to send retail customers out a payment gateway with someone else's brand/colors/html, mostly because it's just too confusing to introduce more concepts at that critical stage when they're about to actually make the payment This is one of the concerns we have with SCA. By the nature of the additional authentication steps, they are necessarily hosted off-site in some situations. Handing your customer off to some other service in the middle of your payment flow and hoping they make it back is the only choice you have. It seems likely that this will reduce conversions, just as anything else that lengthens or complicates the payment flow usually does. What we don’t really know yet is how much difference it will make in practice.
- GeneralTspoon 7y ago
  This is one of the concerns we have with SCA. By the nature of the additional authentication steps, they are necessarily hosted off-site in some situations. Is this a necessity though? Couldn't they just enter the 2FA code in the same manner that they enter their card details on the merchant site? i.e. After entering their card details, it will just prompt them for more info if necessary.
  - deleted 7y ago
    [deleted]
  - Chris_Newton 7y ago
    I’m not sure exactly what PSD2 requires in this respect without checking it again, but in practice I think all of the major schemes for card payments that actually exist do work that way, so it’s probably beyond the ability of any service like Stripe to avoid at the moment.

by ENGNR 7y ago

Chris_Newton 7y ago

I'm never going to send retail customers out a payment gateway with someone else's brand/colors/html, mostly because it's just too confusing to introduce more concepts at that critical stage when they're about to actually make the payment This is one of the concerns we have with SCA. By the nature of the additional authentication steps, they are necessarily hosted off-site in some situations. Handing your customer off to some other service in the middle of your payment flow and hoping they make it back is the only choice you have. It seems likely that this will reduce conversions, just as anything else that lengthens or complicates the payment flow usually does. What we don’t really know yet is how much difference it will make in practice.

GeneralTspoon 7y ago
This is one of the concerns we have with SCA. By the nature of the additional authentication steps, they are necessarily hosted off-site in some situations. Is this a necessity though? Couldn't they just enter the 2FA code in the same manner that they enter their card details on the merchant site? i.e. After entering their card details, it will just prompt them for more info if necessary.
- deleted 7y ago
  [deleted]
- Chris_Newton 7y ago
  I’m not sure exactly what PSD2 requires in this respect without checking it again, but in practice I think all of the major schemes for card payments that actually exist do work that way, so it’s probably beyond the ability of any service like Stripe to avoid at the moment.