Other payment card brands

[Changaco]

We currently only support CB/Visa/MasterCard, but MangoPay also has two other international brands: Maestro and Diners Club.

[Changaco]

This is a bit complicated because:

• the fees aren't the same for all card brands, and our current payment flow requires knowing which fee applies, because we compute and show the final fee percentage to the user
• MangoPay doesn't detect the card type automatically, we either have to guess it ourselves or ask the user to select it
• the registry of Issuer Identification Numbers (the first 6 digits of a card number) is not public, and MangoPay seems to be either unable or unwilling to provide us with a list of IIN ranges they support and the corresponding card types used by their API

[rohitpaulk]

MangoPay doesn't detect the card type automatically, we either have to guess it ourselves or ask the user to select it

https://github.com/braintree/credit-card-type might help

[Changaco]

@rohitpaulk I've already looked at that module and several others. I've even built a new one based on what we already had and bits of others. However guessing the card's primary brand doesn't really tell us which "card type" we should send to MangoPay, because card issuers often make deals allowing their cards to be processed through another network.

In fact the only effective solution may be to try another possible "card type" when we get a "PSP error", until there are no more to try.

[Changaco]

select timestamp::date, amount, note from exchanges where note like '009%' order by id;

 timestamp  | amount |             note             
------------+--------+------------------------------
 2016-05-08 |  20.00 | 009199: PSP technical error
 2016-05-08 |  15.00 | 009199: PSP technical error
 2016-05-13 |  65.00 | 009199: PSP technical error
 2016-05-13 |  65.00 | 009199: PSP technical error
 2016-05-13 |  65.00 | 009199: PSP technical error
 2016-05-27 |  15.00 | 009199: PSP technical error
 2016-06-10 |  15.00 | 009199: PSP technical error
 2016-09-21 |  15.00 | 009199: PSP technical error
 2017-04-04 |  15.00 | 009199: PSP technical error
 2017-04-04 |  15.00 | 009199: PSP technical error
 2017-04-04 |  15.00 | 009199: PSP technical error
 2017-04-06 |  30.16 | 009199: PSP technical error
 2017-06-06 | 150.02 | 009499: Bank technical error
 2017-06-28 | 150.02 | 009499: Bank technical error
 2017-07-09 |  15.00 | 009199: PSP technical error
 2017-07-17 |  15.00 | 009199: PSP technical error
 2017-07-19 |  15.00 | 009499: Bank technical error
 2017-07-31 | 150.00 | 009199: PSP technical error
 2017-08-08 |  15.00 | 009199: PSP technical error
 2017-08-23 |  90.09 | 009499: Bank technical error
 2017-08-23 |  90.09 | 009499: Bank technical error
 2017-08-25 |  92.32 | 009499: Bank technical error
(22 rows)

[Changaco]

At least one person seems to have given up and closed their account when the payment failed.

[mikemhenry]

Maybe just using the first 6 digits to warn users that their card isn't supported would be a good enough stop gap. That way if someone uses say a Discover card, they would get a warning that discover isn't supported. It can just be a warning and if a user hits proceed they can still get the PSP error but at least they have a hint why.

[Changaco]

Closing as obsolete since we no longer process payments through Mangopay.

[aaronraimist]

Should I open a new issue if I want the ability to use a Discover Card (US) or is that probably not possible?

[Changaco]

@aaronraimist See #1354.