[ceffio]

Hi, Stripe's support keep telling us it is a a bank error.

According to stripe logs, a successful transaction has 3 steps: create a token (/v1/tokens), then the customer (/v1/customers) and finally generate the payment (/v1/charges). At the moment, all the transactions are falling when they receive the customer (/v1/customer). I am not sure what's causing the issue, I am requesting to talk to an engineer to get any response other than "talk to your bank" (we have talked to them 4 times already :(

Thanks for giving me the chance to clarify what's going on.

[trevorhinesley]

I don't see the payment intent endpoint listed here, which means you're not allowing for authentication challenges (SCA/PSD2). So it's possible the bank is denying the charge, but your flow isn't accounting for it if it's not using payment intents. See here for updating your implementation to account for SCA: https://stripe.com/docs/strong-customer-authentication/migra...

[sunaurus]

This was my first thought as well. OP, your symptoms sound very similar to an app I recently updated to support SCA - it was just dropping a portion of the payments.