Chargeback Protection / STRIPE CHECKOUT / SCA Compliance

  • Resolved barbaree

    (@barbaree)


    4 years, 4 months ago

    Hi to everyone,

    I know there have been a lot of discussions about SCA compliance and STRIPE chekout of this plugin. I read all the posts, but I still have some questions, how to proceed, if someone could suggest.

    Since there’s no stripe checkout with this plugin, are we backed up by the chargeback protection with Stripe? See here their conditions: https://support.stripe.com/questions/qualifying-payments-for-chargeback-protection

    The Stripe official documents are saying that without the stripe checkout we won’t be able to have this protection on our side. So what would be the solution? To define our payments 3D secure with a minimum amount like 20 euros? Since the SCA is involved only above 30 euros? I don’t really understand this logic. If somebody has some advice, experiences, suggestions, anything, I’d love to hear from you.

    Thank you,

    Barbara

Viewing 9 replies - 1 through 9 (of 9 total)

  • +1 to this. I am awaiting a reply from our Stripe agent, apparently this plugin uses Stripe Elements and he didn’t clarify whether this would still offer Chargeback Protection or not.

    Plugin Support AW a11n

    (@slash1andy)

    Automattic Happiness Engineer

    I would double check with the Stripe team to clarify this, as we wouldn’t have insight into their policies such as this.

    Thread Starter barbaree

    (@barbaree)

    Hi there,

    Thanks for your reply. I was loosing my hopes, I thought I was the only one questioning me the same. I have also contacted stripe, yes they are talking about Stripe Elements, but like you say @gabiosz we don’t know furthermore. I will try to dig a bit more, but if somebody else has some advice, please don’t hesitate ??

    Thank you both!!

    I just spoke to Stripe and Elements DOES NOT work with chargeback protection it must be the Stripe Checkout, so this is a bust.

    There are a few newer plugins that claim to enable Stripe Checkout, so it might be time to ditch this one for the moment until the developers catch up with the technology. Chargeback protection is essential for us as we send relatively expensive products overseas.

    Thread Starter barbaree

    (@barbaree)

    Thanks for the update.

    Me on the other hand, i had some more info too, so normally what they suggest is that we enable radar rules with 3d secure, so this would reduce the payment risks. But not eliminate them or back them up unfortunately.

    I have replied them back to see what are the alternatives… I really don’t understand this logic, I think it’s just they have too many chargebacks demands and they want to get rid of the “little ones”.

    I saw the plugin Stripe Payments, that apparently has a stripe checkout, but I’ll wait for their answer first, since I’d like to know if they do make their chargeback protection with this one… who knows?

    3D secure helps if you only allow authorisation for payments that have completed 3D secure, however, a lot of foreign banks (most US banks) haven’t implemented 3D secure yet, so it’s quite limiting.

    • This reply was modified 4 years, 4 months ago by gabiosz.
    Plugin Support dougaitken

    (@dougaitken)

    Automattic Happiness Engineer

    Hey all!

    Currently the Chargeback protection mentioned above is only available for the hosted Stripe.com Checkout:

    The payment must be submitted to Stripe by your customer via Stripe Checkout.

    Support for the Stripe.com hosted Checkout isn’t available via our Stripe payment gateway plugin. We have an open Issue to track this here – https://github.com/woocommerce/woocommerce-gateway-stripe/issues/799

    Thanks,

    Plugin Support AW a11n

    (@slash1andy)

    Automattic Happiness Engineer

    Hey there!

    We haven’t heard back from you in a while, so I’m going to mark this as resolved – if you have any further questions, you can start a new thread.

    Hi All

    We were approved for chargeback protection through Stripe. Stripe requires that we use “Stripe Checkout” in order to qualify.

    https://support.stripe.com/questions/payments-that-qualify-for-chargeback-protection

    Every transaction that we get through this plugin returns this message in the Stripe Dashboard:

    Payment succeeded
    This payment doesn’t qualify for Chargeback Protection because it wasn’t made through Checkout.

    How do we fix the plugin settings so that it uses Stripe Checkout? We can’t find anything about that in the plugin settings.

    I received this message to the stripe support team.
    If you want to utilize Chargeback Protection (CP), you would need to use the New Checkout (https://stripe.com/docs/payments/checkout).
    Is There any other way around to solve this with WooCommerce and integrate Stripe Chargeback protection through WooCommerce?

    I currently using WooCommerce Stripe Gateway/4.5.5 (https://woocommerce.com/products/stripe/) there is no chargeback protection on this plugin.

Viewing 9 replies - 1 through 9 (of 9 total)
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