Indicate reason to merchant when Stripe SEPA test mode not working

[jobthomas]

Describe the bug When I enable Stripe SEPA together with Stripe Test Mode, I can't get it to work. I get the following error in the checkout:

Unable to process this payment, please try again or use alternative method.

I've tested with both the

• DE IBAN number recommended: DE89370400440532013000
• BE IBAN number in the Stripe docs: BE62510007547061 -- the address I entered was a Belgian one

In the Stripe logs, the only thing I see is:

2019-11-07T08:21:15+00:00 DEBUG 
====Stripe Version: 4.3.0====
====Start Log====
customers/cus_G8MwgpayEQmGVJ/sources request: Array
(
    [limit] => 100
)

====End Log====

Link to image here: https://cld.wthms.co/HCTYZq.

To Reproduce Steps to reproduce the behavior:

1. Go to WooCommerce > Settings > Payments > Stripe
2. Enable Stripe and test mode + make sure that the webhook is working as required for SEPA (not sure if that's also required for testmode)
3. Go to WooCommerce > Settings > Payments > Stripe SEPA
4. Enabled
5. Add a product to cart and try to pay with SEPA

Error confirmed by @treibalen and @dougaitken p1573115109025900-slack-C2C8F5PNJ

[madeincosmos]

Changing priority to High, as it makes us unable to test any SEPA scenario, or even confirm if it's working or not.

[jobthomas]

So it is actually working in test mode, you just need Stripe to give you permission to use SEPA in test mode. I'm not sure this is something we can change on our side @madeincosmos

[dougaitken]

Closing as we've confirmed that to test SEPA, Stripe.com needs to activate SEPA on the Stripe.comaccount.

Internal discussion - p6q7sZ-6Do-p2

cc @grigorijurasov @jrick1229

[jobthomas]

I'm reopening this, I think the error notice should be more clear towards the users. It took us a while to figure out why it wasn't working; I assume that's the same for users.

[dougaitken]

I believe providing a correct error message relating to what is or isn't enabled on the Stripe.com account will need checking account status via the API - I'm unsure if that is available.

[jobthomas]

In that case, some conditional response would be nice

• if SEPA and sandbox enabled
• display: "SEPA does not work in sanbox mode unless approved by the Stripe team"

Or something like that

[jessepearson]

In 2776631-zen the customer contacted Stripe directly while testing SEPA and they reported this back from Stripe:

I checked the latest test and noticed that while you already use version 4.2.3 of the Plugin, charges still seem to created with the v1/charges endpoint, which is why the test fails. You may therefore want to reach out to WooCommerce to check with them why that is the case.

I think the 4.2.3 is a typo here, because the current version of the Stripe extension is using an older version of the API: https://github.com/woocommerce/woocommerce-gateway-stripe/blob/4.3.2/includes/class-wc-stripe-api.php#L16-L17 https://stripe.com/docs/upgrades#api-changelog

[jessepearson]

@jobthomas Any chance you can test to make sure SEPA is still working in test mode for you?

[jobthomas]

Yup, just tested it:

• The currency needs to be EUR
• The buyer must be in one of the SEPA countries: France, Germany, Spain, Belgium, Netherlands, Luxembourg, Italy, Portugal, Austria, Ireland

``` 2020-03-11T08:45:40+00:00 DEBUG ====Stripe Version: 4.3.2==== ====Start Log==== Info: Begin processing payment for order 1414 for the amount of 12.10 ====End Log==== 2020-03-11T08:45:40+00:00 DEBUG ====Stripe Version: 4.3.2==== ====Start Log==== charges request: Array ( [currency] => eur [amount] => 1210 [description] => WooCommerce Test Site - Order 1414 [expand[]] => balance_transaction [metadata] => Array ( [customer_name] => Zoe Tamayo [customer_email] => zoe@sales.local [order_id] => 1414 [payment_type] => recurring [site_url] => https://thomas.mystagingwebsite.com ) [customer] => cus_G8MwgpayEQmGVJ [source] => src_1GLQC6HqYkdL8KtQee8hJONK ) ====End Log==== 2020-03-11T08:45:41+00:00 DEBUG ====Stripe Version: 4.3.2==== ====Start Log==== Processing response: stdClass Object ( [id] => py_1GLQC9HqYkdL8KtQAAPTqaca [object] => charge [amount] => 1210 [amount_refunded] => 0 [application] => [application_fee] => [application_fee_amount] => [balance_transaction] => [billing_details] => stdClass Object ( [address] => stdClass Object ( [city] => Old Monroe [country] => FR [line1] => 2349 Court Street [line2] => [postal_code] => 63369 [state] => ) [email] => zoe@sales.local [name] => Zoe Tamayo [phone] => 636-665-8080 ) [captured] => 1 [created] => 1583916341 [currency] => eur [customer] => cus_G8MwgpayEQmGVJ [description] => WooCommerce Test Site - Order 1414 [destination] => [dispute] => [disputed] => [failure_code] => [failure_message] => [fraud_details] => stdClass Object ( ) [invoice] => [livemode] => [metadata] => stdClass Object ( [customer_name] => Zoe Tamayo [customer_email] => zoe@sales.local [order_id] => 1414 [payment_type] => recurring [site_url] => https://thomas.mystagingwebsite.com ) [on_behalf_of] => [order] => [outcome] => stdClass Object ( [network_status] => approved_by_network [reason] => [risk_level] => not_assessed [seller_message] => Payment complete. [type] => authorized ) [paid] => [payment_intent] => [payment_method] => src_1GLQC6HqYkdL8KtQee8hJONK [payment_method_details] => stdClass Object ( [sepa_debit] => stdClass Object ( [bank_code] => 37040044 [branch_code] => [country] => DE [fingerprint] => lRcR96mEH7i1MnxE [last4] => 3000 [mandate] => ) [type] => sepa_debit ) [receipt_email] => [receipt_number] => [receipt_url] => https://pay.stripe.com/receipts/acct_1AP8nNHqYkdL8KtQ/py_1GLQC9HqYkdL8KtQAAPTqaca/rcpt_GtCb8Wa64fx64dj0Z3i1PA0OOP9SDgW [refunded] => [refunds] => stdClass Object ( [object] => list [data] => Array ( ) [has_more] => [total_count] => 0 [url] => /v1/charges/py_1GLQC9HqYkdL8KtQAAPTqaca/refunds ) [review] => [shipping] => [source] => stdClass Object ( [id] => src_1GLQC6HqYkdL8KtQee8hJONK [object] => source [amount] => [client_secret] => src_client_secret_b70xzKiwvBDfMpMISS483QMC [created] => 1583916341 [currency] => eur [customer] => cus_G8MwgpayEQmGVJ [flow] => none [livemode] => [mandate] => stdClass Object ( [acceptance] => stdClass Object ( [date] => [ip] => [offline] => [online] => [status] => pending [type] => [user_agent] => ) [amount] => [currency] => [interval] => variable [notification_method] => email [reference] => QTA6U8IDCVSJLRG6 [url] => https://hooks.stripe.com/adapter/sepa_debit/file/src_1GLQC6HqYkdL8KtQee8hJONK/src_client_secret_b70xzKiwvBDfMpMISS483QMC ) [metadata] => stdClass Object ( ) [owner] => stdClass Object ( [address] => stdClass Object ( [city] => Old Monroe [country] => FR [line1] => 2349 Court Street [line2] => [postal_code] => 63369 [state] => ) [email] => zoe@sales.local [name] => Zoe Tamayo [phone] => 636-665-8080 [verified_address] => [verified_email] => [verified_name] => [verified_phone] => ) [sepa_debit] => stdClass Object ( [last4] => 3000 [bank_code] => 37040044 [fingerprint] => lRcR96mEH7i1MnxE [country] => DE [mandate_reference] => QTA6U8IDCVSJLRG6 [mandate_url] => https://hooks.stripe.com/adapter/sepa_debit/file/src_1GLQC6HqYkdL8KtQee8hJONK/src_client_secret_b70xzKiwvBDfMpMISS483QMC [branch_code] => ) [statement_descriptor] => [status] => chargeable [type] => sepa_debit [usage] => reusable ) [source_transfer] => [statement_descriptor] => [statement_descriptor_suffix] => [status] => pending [transfer_data] => [transfer_group] => ) ====End Log==== 2020-03-11T08:45:43+00:00 DEBUG ====Stripe Version: 4.3.2==== ====Start Log==== balance/history/txn_1GLQCAHqYkdL8KtQvZ0NdRrY ====End Log==== ```

[jessepearson]

@jobthomas Great, thank you!