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New version of Stripe Checkout

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Re: New version of Stripe Checkout

#131

Post by rurp »

electroly wrote: post #111
jenanwise wrote: post #52

Earlier quoted context omitted.

Future development will be focused on Elements and the new version of Checkout, but we’ll continue to maintain the legacy version as long as we can. Note that if you’re accepting payments from PSD2/SCA-impacted countries, we do recommend using Elements or Checkout, as the legacy version of Checkout doesn’t support 3DS. Would love to hear more about why Elements or the new version of Checkout don’t work for your use c…

Just a followup now that I've seen some more details elsewhere that has strengthened my resolve: if you expect me to implement a webhook or to poll for completed transactions, you've lost me, and I think you've lost the knowledge of why people chose Stripe Checkout for their websites in the first place. As soon as legacy Checkout stops working, I'm gone. If I'm implementing webhooks, then I'm implementing it for PayP…

I can't second this enough. Stripe making their software categorically worse for a number of longtime users is infuriating. It's one thing when a toy app does this, but for something as critical as handling payments, "Well we want to add some features you don't care about" doesn't cut it.

Re: New version of Stripe Checkout

#132

Post by Gaelan »

meowface wrote: post #92
michaelmrose wrote: post #76

Earlier quoted context omitted.

Isn't this the same benefit you get from stripe? Further being famously bad at developing software anyone would want to use doesn't necessarily mean that someone is incompetent in all aspects but it would decrease my trust in paypal just a little.

From an end user perspective, Paypal is a service which magically sends money over the Internet, and you're near-permanently logged into it, so you can pay for anything with almost no friction after you use it for the first time. A Stripe dialog is just a form/modal you see on a website asking you for your credit card details. They're similar services when you break them down, but Paypal is almost more like a social…

IIRC stripe checkout remembers login info.

Re: New version of Stripe Checkout

#133

Post by zaksoup »

chatmasta wrote: post #130
brianpgordon wrote: post #123

Earlier quoted context omitted.

Exactly the point I made about Plaid's login flow- https://github.com/plaid/link/issues/68#issuecomment-4408942... For the average Web user, if you don't see a name you trust with an EV cert in friendly green in your address bar, you shouldn't be giving up the keys to your bank account. Plaid and (soon formerly?) Stripe embedding their widgets into the parent page are just training users to get scammed. I'm still bea…

I've also taken issue with Plaid. [0] In Plaid's case, the issue is twofold: (a) the chilling effect of "training to get scammed," as you mention; (b) the fact that Plaid's servers log into your bank account on your behalf without clearly disclosing that to the user (unless you have 2FA enabled, in which case they will helpfully instruct you to "disable extra security settings at sign-on"). In fact, it's worse than n…

wait, does plaid actually recommend that users disable 2fa?

Re: New version of Stripe Checkout

#134

Post by chatmasta »

zaksoup wrote: post #133
chatmasta wrote: post #130

Earlier quoted context omitted.

I've also taken issue with Plaid. [0] In Plaid's case, the issue is twofold: (a) the chilling effect of "training to get scammed," as you mention; (b) the fact that Plaid's servers log into your bank account on your behalf without clearly disclosing that to the user (unless you have 2FA enabled, in which case they will helpfully instruct you to "disable extra security settings at sign-on"). In fact, it's worse than n…

wait, does plaid actually recommend that users disable 2fa?

The quoted language in my comment is some I have seen in a plaid powered app, where you need to press a button at your bank that says "disable extra security at sign-on" in order to disable 2FA.

The fact is, if you have 2FA enabled, plaid cannot login on your behalf. That said, it does seem technically possible for plaid scrapers to login, tell you to expect 2FA from your bank, and then echo your response back to the bank. But from what I've seen, they did not do this. Perhaps because they need to login at a later time, so they want to save your password and be able to login then.

Re: New version of Stripe Checkout

#135

Post by Aeolun »

Whenever I see these kinds of changes I wonder if the company has any idea of why people use their product.

Given the comments here, either Stripe has no idea that people use Checkout for the single page experience, or they do know it and are just happy to nuke 50% of their customer base for reasons.

It’s just a different product. But it’s being released as a new version of an old one.

Re: New version of Stripe Checkout

#136

Post by TazeTSchnitzel »

CodeWriter23 wrote: post #100
cstejerean wrote: post #56

Earlier quoted context omitted.

I use PayPal for random sites that I don’t know because I don’t like handing my credit card info to random websites. Now I would personally trust Stripe Checkout (especially on a stripe.con domain rather than in a modal) but that’s because I know Stripe. The dislike of PayPal among techies is not common the population at large in my experience. Another thing I use PayPal for is any kind of subscription, because I kno…

As devs, we know in theory Stripe and PayPal are roughly equivalent in terms of protecting a card number. But the streamlined Stripe UI with the subtle branding doesn't drive home to the customer that Stripe is keeping your card number safe vs. random merchant storing all 16 digits in a hackable database somewhere. The friction in the PayPal UI of making you log in to PayPal to make the payment is a pretty big trust…

Stripe isn't as safe. PayPal collects my details only on paypal.com, Stripe collects my details on all sorts of domains, where who-knows-what JS might be present.

Re: New version of Stripe Checkout

#137

Post by TazeTSchnitzel »

Someone1234 wrote: post #101
dtech wrote: post #66

Earlier quoted context omitted.

I'm an European and always pick Paypal over credit card. Credit cards aren't really a thing in Europe. I also much prefer Paypal's direct debit options, where the transaction is immediately visible on my bank account instead of coming in aggregate a month later.

> Credit cards aren't really a thing in Europe. It is country dependant. The UK is majority credit card.

Not majority debit card?

Re: New version of Stripe Checkout

#138

Post by dmix »

bdibs wrote: post #113
dmix wrote: post #80

Earlier quoted context omitted.

> customers who have Apple Pay onboarded and enabled How is this handled on web forms? I have neither of those but it shows up on the preview. I don't care, I think it's fine ala login via Google/FB links on login forms being on top. I'm just curious!

The preview is using a test key, so it's likely they show everything just for testing reasons.

Oh they mean connected on the users Stripe account or the companies? I thought OP meant some iOS API to see if they have Apple wallet set up with an active card.

I'm guessing there will still be a link if the company supports it if it's the former (first party user level).

Re: New version of Stripe Checkout

#139

Post by regecks »

cromulent wrote: post #96

For people impacted by SCA in a few months time (EU) this is really nice. SCA: https://stripe.com/en-US/guides/strong-customer-authenticati... EU e-commerce credit card transactions currently often redirect to the bank providing your card to authenticate before accepting the payment. The UX is very poor. The beneficiary of the check is the bank, but they tell you it is done for your own security. For some reason, fin…

Just to be sure, if your business is domiciled outside of the EU (e.g. Australia), there is nothing to be done regarding SCA, right?

In other words, there's no risk with sticking to Stripe Checkout Legacy, even for European cards?

I have read some contradicting documentation.

[1] states the business AND customer must be in EU ("if all of the following apply"), [2] says "payments to European businesses or from European customers". :\

1. https://stripe.com/docs/strong-customer-authentication

2. https://stripe.com/docs/payments/payment-intents

Re: New version of Stripe Checkout

#140

Post by genema »

foobarbazetc wrote: post #46
quotha wrote: post #27

Earlier quoted context omitted.

I think it's just a matter of time before people switch from using PayPal.

We thought this and killed our PayPal integration (went Stripe only) and lost double digits in sales (and received constant emails asking for PayPal). Unfortunately people want PayPal for whatever reason. Everything about PayPal from the merchant side sucks (bad API, bad recurring billing features, slow, no refund of fees for refunds from May, 6 months for someone to do a chargeback!, etc etc)

I won't claim my reasoning is the what's keeping people asking for PayPal, but here is why I prefer to pay via PayPal:

My biggest fear of paying via Stripe is not having the ability to cancel payments on my own or to cut random company access to my credit card without having to talk to my CC company or bank.

PayPal gives me a bit more piece of mind because I know I can log in and find subscriptions and cancel them right from the back end and payments will be stopped. With Stripe, I can't do this. Not to mention Stripe dashboard is a UX nightmare from the consumer perspective. I don't think any consumer would log in to Stripe to manage their payments (assuming they could) as things stand right now. I think this is a missing feature that Stripe has to integrate in order to finally let PayPal die. That and time.

As a consumer, I want to be able to go to Stripe, easily log in, see all of my subscriptions / payments and be able to stop them with a click of a button. As long as this is missing, I would rather use PayPal's shitty UI and hidden subscription management area.

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