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I've used Stripe through three of these APIs (v1, then sources / charges, and now PaymentIntents). Since the Stripe docs began recommending intents, I've used t

I've used Stripe through three of these APIs (v1, then sources / charges, and now PaymentIntents). Since the Stripe docs began recommending intents, I've used them 2-3 times; I found them to be more complicated (the flow now starts on the server which means exposing more endpoints on my project) and I misunderstood their purpose. I thought they were meant to be more end-user friendly since you have to basically declare on the server what a charge is for prior to taking their payment details. That might have been a foil against "we have your card and can charge any amount we want now!". However, from reading this well-written article, I see that intents were actually the resolution to a crisis of abstractions. Stripe wants payments to feel unified and hence has brainstormed the best model to fit different types of synchronous and asynchronous methods. I'm curious as to what percent of Stripe usage is American credit card charges and subscriptions vs ACH, Bitcoin, OXXO and the rest.

oakesm9 6y ago
Considering that every online card transaction within Europe now requires the more complicated payment intents model (because of the SCA, Strong Customer Authentication, requirements) I would imagine that it's a fairly significant percentage.
- Silhouette 6y ago
  Considering that every online card transaction within Europe now requires the more complicated payment intents model (because of the SCA, Strong Customer Authentication, requirements) I would imagine that it's a fairly significant percentage. Just as an anecdotal data point, this is not actually true in practice, at least not yet for us. We abandoned our considerable efforts to move to Stripe's new API during its catastrophic phase, for reasons I've mentioned in past HN discussions and won't rehash here. The bottom line is that anything that required 3D Secure would presumably now fail for us. However, as a UK business with customers in several other EU member states as well, we have yet to notice any significant failure rate when signing up new customers. This may be because we charge relatively low subscription fees and qualify for one or more of the exemptions most or all of the time. In any case, we keep being told it will change one of these days but so far the sky has not fallen and we're still using Stripe when taking card payments.
  - oakesm9 6y ago
    I presume its down to the bank. Most of them likely choose to avoid it if possible as it's a barrier to people using their card. However, I use Monzo as my main current account. I would say that around 50% of my online payments send me through 3D secure, which for them involves pressing the approve button on a notification and entering my card PIN.

oakesm9 6y ago

Considering that every online card transaction within Europe now requires the more complicated payment intents model (because of the SCA, Strong Customer Authentication, requirements) I would imagine that it's a fairly significant percentage.

Silhouette 6y ago
Considering that every online card transaction within Europe now requires the more complicated payment intents model (because of the SCA, Strong Customer Authentication, requirements) I would imagine that it's a fairly significant percentage. Just as an anecdotal data point, this is not actually true in practice, at least not yet for us. We abandoned our considerable efforts to move to Stripe's new API during its catastrophic phase, for reasons I've mentioned in past HN discussions and won't rehash here. The bottom line is that anything that required 3D Secure would presumably now fail for us. However, as a UK business with customers in several other EU member states as well, we have yet to notice any significant failure rate when signing up new customers. This may be because we charge relatively low subscription fees and qualify for one or more of the exemptions most or all of the time. In any case, we keep being told it will change one of these days but so far the sky has not fallen and we're still using Stripe when taking card payments.
- oakesm9 6y ago
  I presume its down to the bank. Most of them likely choose to avoid it if possible as it's a barrier to people using their card. However, I use Monzo as my main current account. I would say that around 50% of my online payments send me through 3D secure, which for them involves pressing the approve button on a notification and entering my card PIN.