Send notification of pending SEPA charge to donor

[gideonthomas]

Once a donor confirms their payment via SEPA, the charge becomes pending and we need to show them that their payment is being processed.

Stripe's best practices page suggests that we show them a confirmation page (maybe we can just reuse the thank you page) with the text (modified for donations) "Your donation is awaiting payment confirmation." along with the url to their accepted mandate.

My guess is that we don't need any work done with webhooks or mailroom for this.

@cadecairos does this make sense or did I miss something?

[gideonthomas]

@cadecairos I got some information from Stripe re: this:

The SEPA Direct Debit rulebook, published by the European Payments Council (1) states that you must send your customer an email notifying them each time a debit is to be made on their account. You may send the pre-notification separately or together with other documents such as an invoice. This notice should include:

• the mandate reference (you can find it on the Source object)
• the debit amount
• your creditor identifier
• your contact details

In accordance with SEPA Direct Debit rules, this notice should by default be sent at least 14 calendar days before the date at which you intend to request for their account to be debited.

However, given the suggested terms of service above we suggest you send this notice a day in advance of the creation of a payment on their account. For the first payment of a customer, sending them a notice immediately after they check out will ensure that this timeline is respected. Regarding subsequent transactions, sending a receipt is optional but recommended to reduce the likelihood of disputes (if a customer forgets about the debit and the pre-notification).

Based on this it seems like we need to send an email but we can do it the day before the charge. Do you know how we can do that?

[gideonthomas]

Morphed into #1862