Instant Debits: first iteration of Instant Debits in Payment Sheet #3528

kgaidis-stripe · 2024-04-19T20:52:08Z

Summary

This PR implements the first iteration of Instant Debits in the Payment Sheet. The PR:

Adds a new payment method (instant debits) so we could display a new "Bank Account" payment method in the payment sheet
If "Bank Account" (Instant Debits) is selected, the code displays UI, and routes through Payment Sheet and Financial Connections

⚠️ Some important notes for reviewing:

This is just the first iteration. Despite Android equivalent already being landed, we still have a lot of things to resolve and improve before launching to merchants: handle flags for rollout, design, testing, etc.

Testing

See two videos:

PaymentIntent Succeeds

payment_intent.mp4

SetupIntent Succeeds

setup_intent.mp4

Financial Connections Still Works

https://app.bitrise.io/build/30cd250d-0695-4af1-bd81-5c5de2f882f3

FinancialConnectionsNetworkingUITests
    ✓ testNativeNetworkingTestMode (111.850 seconds)
    ✓ testNativeNetworkingTestModeSignUpWithMultiSelectAndPrefilledEmail (30.682 seconds)
FinancialConnectionsUITests
    ✓ testDataLiveModeOAuthNativeAuthFlow (29.338 seconds)
    ✓ testDataLiveModeOAuthWebAuthFlow (18.610 seconds)
    ✓ testDataTestModeOAuthNativeAuthFlow (18.501 seconds)
    ✓ testPaymentSearchInLiveModeNativeAuthFlow (26.620 seconds)
    ✓ testPaymentTestModeLegacyNativeAuthFlow (20.153 seconds)
    ✓ testPaymentTestModeManualEntryNativeAuthFlow (24.347 seconds)

StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift

kgaidis-stripe · 2024-04-22T21:27:15Z

StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentSheet+API.swift

+ if case .new(let confirmParams) = paymentOption {
+ if let paymentMethodId = confirmParams.instantDebitsLinkedBank?.paymentMethodId {
+ params.paymentMethodId = paymentMethodId
+ params.paymentMethodParams = nil
+ }
+ }


this might need updating

kgaidis-stripe · 2024-04-22T21:27:21Z

StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentSheet+API.swift

+ if case .new(let confirmParams) = paymentOption {
+ if let paymentMethodId = confirmParams.instantDebitsLinkedBank?.paymentMethodId {
+ setupIntentParams.paymentMethodID = paymentMethodId
+ setupIntentParams.paymentMethodParams = nil
+
+ let mandateCustomerAcceptanceParams = STPMandateCustomerAcceptanceParams()
+ let onlineParams = STPMandateOnlineParams(ipAddress: "", userAgent: "")
+ // Tell Stripe to infer mandate info from client
+ onlineParams.inferFromClient = true
+ mandateCustomerAcceptanceParams.onlineParams = onlineParams
+ mandateCustomerAcceptanceParams.type = .online
+ setupIntentParams.mandateData = STPMandateDataParams(customerAcceptance: mandateCustomerAcceptanceParams)
+ }
+ }


this might need updating

kgaidis-stripe · 2024-04-22T21:27:53Z

...StripePaymentSheet/Source/PaymentSheet/PaymentSheetFormFactory/PaymentSheetFormFactory.swift

+ emailElement: (
+ // TODO: does this email logic make sense?
+ (configuration.billingDetailsCollectionConfiguration.email != .never)
+ ? makeEmail()
+ : nil
+ ),


this might need updates

I thought you needed an email address: Is that not the case?

@davidme-stripe

I wasn't sure what the logic is (billingDetailsCollectionConfiguration).

I'll just make this logic be makeEmail() though correct me if that's wrong.

Depends — if you always need an email address, I guess we technically would want to hide Instant Debits entirely if billingDetailsCollectionConfiguration.email == .never. But I'm okay with it as makeEmail() for now

kgaidis-stripe · 2024-04-22T21:28:41Z

...StripePaymentSheet/Source/PaymentSheet/USBankAccount/InstantDebitsPaymentMethodElement.swift

+ // Fail loudly: This is an integration error
+ assert(
+ // TODO: is it a mandatory step to provide an email???
+ (willShowEmailField || hasDefaultEmail),
+ "If email is not collected, they must be provided through defaults"
+ )


does this logic make sense?

deleting it

kgaidis-stripe · 2024-04-22T21:31:15Z

StripePayments/StripePayments/Source/PaymentHandler/STPPaymentHandler.swift

@@ -742,7 +742,8 @@ public class STPPaymentHandler: NSObject {
 .konbini,
 .promptPay,
 .swish,
- .twint:
+ .twint,
+ .instantDebits:


is this correct?

I think so!

StripePayments/StripePayments/Source/API Bindings/Models/ACH/STPCollectBankAccountParams.swift

davidme-stripe · 2024-05-06T19:39:16Z

...yments/StripePayments/Source/API Bindings/Models/PaymentMethods/STPPaymentMethodParams.swift

@@ -1299,6 +1300,8 @@ extension STPPaymentMethodParams {
 return "Revolut Pay"
 case.twint:
 return "TWINT"
+ case .instantDebits:
+ return "Bank Account"


We have many things named bank account, not sure if we're worried about confusion or if this should look the same as an ACHv2 to the consumer

Yea agree; many parts, particularly design, are still going to need iterations/feedback from design

There is no public API for this first iteration (everything is behind the scenes), so Android has been merging PR's and iterating

emerge-tools · 2024-05-07T17:28:32Z

⚠️ 5 new unused protocols, 6 builds increased size

Name	Version	Download	Change	Install	Change	Approval
StripeApplePaySize com.stripe.StripeApplePaySize	1.0 (1)	422.3 kB	⬆️ 240 B (0.06%)	1.5 MB	⬆️ 1.7 kB (0.11%)	N/A
StripePaymentsSize com.stripe.StripePaymentsSize	1.0 (1)	1.1 MB	⬆️ 856 B (0.08%)	3.9 MB	⬆️ 2.6 kB (0.07%)	N/A
StripePaymentSheetSize com.stripe.StripePaymentSheetSize	1.0 (1)	3.2 MB	⬆️ 10.8 kB (0.34%)	9.6 MB	⬆️ 27.3 kB (0.29%)	N/A
StripeSize com.stripe.StripeSize	1.0 (1)	2.3 MB	⬆️ 1.3 kB (0.05%)	7.6 MB	⬆️ 2.6 kB (0.03%)	N/A
StripePaymentsUISize com.stripe.StripePaymentsUISize	1.0 (1)	1.8 MB	⬆️ 1.3 kB (0.07%)	6.1 MB	⬆️ 3.0 kB (0.05%)	N/A
StripeFinancialConnectionsSize com.stripe.StripeFinancialConnectionsSize	1.0 (1)	1.2 MB	⬆️ 9.8 kB (0.84%)	3.9 MB	⬆️ 23.5 kB (0.61%)	N/A

StripeApplePaySize 1.0 (1)
com.stripe.StripeApplePaySize

⚠️ 2 new unused protocols: FinancialConnectionsLinkedBank and InstantDebitsLinkedBank
⚖️ Compare build
⏱️ Analyze build performance

Total install size change: ⬆️ 1.7 kB (0.11%)
Total download size change: ⬆️ 240 B (0.06%)

Largest size changes

Item	Install Size Change
📝 StripeCore.FinancialConnectionsSDKResult.Completed.value witness	⬆️ 624 B
Other	⬆️ 1.0 kB

View Treemap

StripePaymentsSize 1.0 (1)
com.stripe.StripePaymentsSize

⚠️ Found new unused protocol: InstantDebitsLinkedBank
⚖️ Compare build
⏱️ Analyze build performance

Total install size change: ⬆️ 2.6 kB (0.07%)
Total download size change: ⬆️ 856 B (0.08%)

Largest size changes

Item	Install Size Change
🗑 StripePayments.StubbedLinkedBank	⬇️ -1.2 kB
📝 StripePayments.StubbedFinancialConnectionsLinkedBank.value witnes...	⬆️ 740 B
📝 StripeCore.FinancialConnectionsSDKResult.Completed.value witness	⬆️ 624 B
StripePayments.STPAPIClient.linkAccountSessions(endpoint,clientSe...	⬆️ 536 B
Other	⬆️ 1.9 kB

View Treemap

StripePaymentSheetSize 1.0 (1)
com.stripe.StripePaymentSheetSize

⚠️ Found new unused protocol: InstantDebitsLinkedBank
⚖️ Compare build
⏱️ Analyze build performance

Total install size change: ⬆️ 27.3 kB (0.29%)
Total download size change: ⬆️ 10.8 kB (0.34%)

Largest size changes

Item	Install Size Change
📝 StripePaymentSheet.AddPaymentMethodViewController.handleCollectIn...	⬆️ 2.7 kB
📝 StripePaymentSheet.PaymentSheetFormFactory.makeInstantDebits	⬆️ 2.0 kB
📝 StripePaymentSheet.InstantDebitsPaymentMethodElement.didTapXIcon	⬆️ 1.5 kB
📝 StripePaymentSheet.InstantDebitsPaymentMethodElement.init(configu...	⬆️ 1.5 kB
🗑 StripePayments.StubbedLinkedBank	⬇️ -1.2 kB

View Treemap

StripeSize 1.0 (1)
com.stripe.StripeSize

⚠️ Found new unused protocol: InstantDebitsLinkedBank
⚖️ Compare build
⏱️ Analyze build performance

Total install size change: ⬆️ 2.6 kB (0.03%)
Total download size change: ⬆️ 1.3 kB (0.05%)

Largest size changes

Item	Install Size Change
🗑 StripePayments.StubbedLinkedBank	⬇️ -1.2 kB
📝 StripePayments.StubbedFinancialConnectionsLinkedBank.value witnes...	⬆️ 740 B
📝 StripeCore.FinancialConnectionsSDKResult.Completed.value witness	⬆️ 624 B
StripePayments.STPAPIClient.linkAccountSessions(endpoint,clientSe...	⬆️ 536 B
Other	⬆️ 1.9 kB

View Treemap

StripePaymentsUISize 1.0 (1)
com.stripe.StripePaymentsUISize

⚠️ Found new unused protocol: InstantDebitsLinkedBank
⚖️ Compare build
⏱️ Analyze build performance

Total install size change: ⬆️ 3.0 kB (0.05%)
Total download size change: ⬆️ 1.3 kB (0.07%)

Largest size changes

Item	Install Size Change
🗑 StripePayments.StubbedLinkedBank	⬇️ -1.2 kB
📝 StripePayments.StubbedFinancialConnectionsLinkedBank.value witnes...	⬆️ 740 B
📝 StripeCore.FinancialConnectionsSDKResult.Completed.value witness	⬆️ 624 B
StripePayments.STPAPIClient.linkAccountSessions(endpoint,clientSe...	⬆️ 536 B
Other	⬆️ 2.3 kB

View Treemap

StripeFinancialConnectionsSize 1.0 (1)
com.stripe.StripeFinancialConnectionsSize

⚖️ Compare build
⏱️ Analyze build performance

Total install size change: ⬆️ 23.5 kB (0.61%)
Total download size change: ⬆️ 9.8 kB (0.84%)

Largest size changes

Item	Install Size Change
📝 StripeFinancialConnections.HostControllerResult.value witness	⬆️ 3.9 kB
📝 StripeFinancialConnections.HostControllerResult.Completed.value w...	⬆️ 3.6 kB
📝 StripeFinancialConnections.FinancialConnectionsWebFlowViewControl...	⬆️ 1.4 kB
StripeFinancialConnections.HostController.hostViewController(didF...	⬆️ 1.4 kB
📝 StripeFinancialConnections.FinancialConnectionsWebFlowViewControl...	⬆️ 1.3 kB

View Treemap

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kgaidis-stripe · 2024-05-08T15:13:16Z

StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift

+ !recommendedStripePaymentMethodTypes.contains(.USBankAccount),
+ !intent.isDeferredIntent,
+ intent.linkFlags["link_disable_instant_debits_on_mobile"] != true
+ // intent.linkFundingSources?.contains(.bankAccount) == true


this will need correcting before merging

github-actions · 2024-05-08T17:59:25Z

⚠️ Public API changes detected:

StripePayments

- get
- }
- @objc public var mobilePay: StripePayments.STPPaymentMethodMobilePay? {
+ case instantDebits
- @objc deinit
- @objc public var allResponseFields: [Swift.AnyHashable : Any] {
- get
- }
- @objc override dynamic public var description: Swift.String {
- @objc get
- }
- @objc public static func decodedObject(fromAPIResponse response: [Swift.AnyHashable : Any]?) -> Self?

StripeCore

+ public enum Name : Swift.String {
+ case open
+ case manualEntryInitiated
+ case consentAcquired
+ case searchInitiated
+ case institutionSelected
+ case institutionAuthorized
+ case accountsSelected
+ case success
+ case error
+ case cancel
+ case flowLaunchedInBrowser
+ public init?(rawValue: Swift.String)
+ public typealias RawValue = Swift.String
+ public var rawValue: Swift.String {
+ get
+ }
+ }
+ public struct Metadata {
+ public let dictionary: [Swift.String : Any]
+ public var manualEntry: Swift.Bool? {
+ get
+ }
+ public var institutionName: Swift.String? {
+ get
+ }
+ public var errorCode: StripeCore.FinancialConnectionsEvent.ErrorCode? {
+ get
+ }
+ }
+ public enum ErrorCode : Swift.String {
+ case accountNumbersUnavailable
+ case accountsUnavailable
+ case noDebitableAccount
+ case authorizationFailed
+ case institutionUnavailablePlanned
+ case institutionUnavailableUnplanned
+ case institutionTimeout
+ case unexpectedError
+ case sessionExpired
+ case failedBotDetection
+ public init?(rawValue: Swift.String)
+ public typealias RawValue = Swift.String
+ public var rawValue: Swift.String {
+ get
+ }
+ }
+ public let name: StripeCore.FinancialConnectionsEvent.Name
+ public let metadata: StripeCore.FinancialConnectionsEvent.Metadata
- public enum Name : Swift.String {
- case open
- case manualEntryInitiated
- case consentAcquired
- case searchInitiated
- case institutionSelected
- case institutionAuthorized
- case accountsSelected
- case success
- case error
- case cancel
- case flowLaunchedInBrowser
- public init?(rawValue: Swift.String)
- public typealias RawValue = Swift.String
- public var rawValue: Swift.String {
- get
- }
- }
- public struct Metadata {
- public let dictionary: [Swift.String : Any]
- public var manualEntry: Swift.Bool? {
- get
- }
- public var institutionName: Swift.String? {
- get
- }
- public var errorCode: StripeCore.FinancialConnectionsEvent.ErrorCode? {
- get
- }
- }
- public enum ErrorCode : Swift.String {
- case accountNumbersUnavailable
- case accountsUnavailable
- case noDebitableAccount
- case authorizationFailed
- case institutionUnavailablePlanned
- case institutionUnavailableUnplanned
- case institutionTimeout
- case unexpectedError
- case sessionExpired
- case failedBotDetection
- public init?(rawValue: Swift.String)
- public typealias RawValue = Swift.String
- public var rawValue: Swift.String {
- get
- }
- }
- public let name: StripeCore.FinancialConnectionsEvent.Name
- public let metadata: StripeCore.FinancialConnectionsEvent.Metadata

If you are adding a new public API consider the following:

Do these APIs need to be public or can they be protected with @_spi(STP)?
If these APIs need to be public, assess whether they require an API review.

If you are modifying or removing a public API:

Does this require a breaking version change?
Do these changes require API review?

If you confirm these APIs need to be added/updated and have undergone necessary review, add the label modifies public API to this PR to acknowledge and bypass this check.

kgaidis-stripe · 2024-05-08T18:59:07Z

StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift

+ intent.supportsLink,
+ !recommendedStripePaymentMethodTypes.contains(.USBankAccount),
+ !intent.isDeferredIntent,
+ intent.linkFundingSources?.contains(.bankAccount) == true


for .bankAccount to appear in linkFundingSources has a bunch of extra controls so this if-statement is unlikely to be "accidentally" executed

for example, there's a special flag that needs to be enabled for this mobile Instant Debits feature

I'm worried this might cause older SDK versions to see a half-finished version of Instant Debits when this rolls out more widely. We'll want to make sure to check server-side that the request has the minimum SDK version (the one you end up GA-ing in) or a flag before returning .bankAccount.

Yes great point! We will make sure to account for this (this is quite common in Financial Connections too - and we even have some custom backend code/"library" to handle this type of versioning easier across platforms). It's a little sad our flag system does not seem to support versioning as well.

kgaidis-stripe · 2024-05-08T19:01:30Z

Example/PaymentSheet Example/PaymentSheet Example/PlaygroundController.swift

@@ -445,6 +445,7 @@ extension PlaygroundController {
 "use_link": settings.linkEnabled == .on,
 "use_manual_confirmation": settings.integrationType == .deferred_mc,
 "require_cvc_recollection": settings.requireCVCRecollection == .on,
+ // "supported_payment_methods": ["card", "link"], // Uncomment to override payment methods (also make sure Automatic PM's is off)


for now, this needs to be uncommented for Instant Debits to show up via playground

there's a precedent for it below (😁 ):

// "set_shipping_address": true // Uncomment to make server vend PI with shipping address populated

likely not the end state we want but its OK for now given the state of the project (still iterating on design etc.)

Does turning the Link flag on work? That should set [card, link] as the PMs. If this is necessary, might be nice to make it a switch, it's not too difficult to add a new one

@davidme-stripe

What is the Link flag? Or, in other words, given the current state, what would I change/do to try turning the Link flag on? (also asked some other folks in the meanwhile too)

I do see this (...but doesn't seem to do the intended):

That should be it — if it's on, the backend should send [card, link, (a few others)].

@davidme-stripe

With that on...

in:

static func filteredPaymentMethodTypes(from intent: Intent, configuration: Configuration, logAvailability: Bool = false) -> [PaymentMethodType]

intent.recommendedPaymentMethodTypes returns:

(lldb) po intent.recommendedPaymentMethodTypes ▿ 7 elements - 0 : card - 1 : link - 2 : afterpayClearpay - 3 : USBankAccount - 4 : klarna - 5 : Amazon Pay - 6 : affirm

they key problem, as I understand it, is that the "USBankAccount" is returned (where if that exists, Instant Debits is disabled - by intent.linkFundingSources?.contains(.bankAccount) == true NOT being true)

LMK if there's other easy way around this, right now Android added a comma-separated list to the playground app to support this through the UI and the current plan was to just copy it: stripe/stripe-android#8428

Oh, got it! That makes sense to me.

kgaidis-stripe · 2024-05-08T19:02:03Z

...StripePaymentSheet/Source/PaymentSheet/USBankAccount/InstantDebitsPaymentMethodElement.swift

+ // TODO(kgaidis): localize
+ string = "By continuing, you agree to authorize payments pursuant to <terms>these terms</terms>."


not the end state we want but its OK for now given the state of the project (still iterating on design, API's are private, feature behind a flag etc.)

…ts in payment sheet which also connections to financial connections SDK.

kgaidis-stripe force-pushed the kg-instadeb branch 2 times, most recently from 11c541c to 0d9cc61 Compare April 22, 2024 20:32

kgaidis-stripe commented Apr 22, 2024

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StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift Outdated Show resolved Hide resolved

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kgaidis-stripe force-pushed the kg-instadeb branch from 0d9cc61 to f61d6a2 Compare April 22, 2024 21:32

kgaidis-stripe commented Apr 23, 2024

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StripePayments/StripePayments/Source/API Bindings/Models/ACH/STPCollectBankAccountParams.swift Outdated Show resolved Hide resolved

davidme-stripe reviewed May 6, 2024

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kgaidis-stripe force-pushed the kg-instadeb branch from f61d6a2 to e7a81a8 Compare May 7, 2024 17:17

kgaidis-stripe force-pushed the kg-instadeb branch 4 times, most recently from 0763e43 to 5eb722c Compare May 8, 2024 14:09

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kgaidis-stripe changed the title ~~[DRAFT] Instant Debits support~~ Instant Debits: first iteration of Instant Debits in Payment Sheet May 8, 2024

kgaidis-stripe force-pushed the kg-instadeb branch 3 times, most recently from 6529b1c to 98735d2 Compare May 8, 2024 17:48

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kgaidis-stripe marked this pull request as ready for review May 8, 2024 20:22

kgaidis-stripe requested review from a team as code owners May 8, 2024 20:22

Instant Debits: implemented first-pass basic support for instant debi…

c0397d6

…ts in payment sheet which also connections to financial connections SDK.

kgaidis-stripe force-pushed the kg-instadeb branch from 2e565e1 to 2de23f5 Compare May 13, 2024 23:13

Instant Debits: cleaned up logic.

1b9fbd7

kgaidis-stripe force-pushed the kg-instadeb branch from 2de23f5 to 1b9fbd7 Compare May 13, 2024 23:17

kgaidis-stripe mentioned this pull request May 16, 2024

Instant Debits: wrote UI tests for Instant Debits #3585

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davidme-stripe added the modifies public API label May 16, 2024

davidme-stripe approved these changes May 16, 2024

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Instant Debits: first iteration of Instant Debits in Payment Sheet #3528

Instant Debits: first iteration of Instant Debits in Payment Sheet #3528

kgaidis-stripe commented Apr 19, 2024 •

edited

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		// TODO(kgaidis): localize
		string = "By continuing, you agree to authorize payments pursuant to <terms>these terms</terms>."

Instant Debits: first iteration of Instant Debits in Payment Sheet #3528

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kgaidis-stripe commented Apr 19, 2024 • edited

Summary

Testing

PaymentIntent Succeeds

SetupIntent Succeeds

Financial Connections Still Works

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davidme-stripe May 6, 2024 • edited

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emerge-tools bot commented May 7, 2024 • edited

⚠️ 5 new unused protocols, 6 builds increased size

StripeApplePaySize 1.0 (1)com.stripe.StripeApplePaySize

StripePaymentsSize 1.0 (1)com.stripe.StripePaymentsSize

StripePaymentSheetSize 1.0 (1)com.stripe.StripePaymentSheetSize

StripeSize 1.0 (1)com.stripe.StripeSize

StripePaymentsUISize 1.0 (1)com.stripe.StripePaymentsUISize

StripeFinancialConnectionsSize 1.0 (1)com.stripe.StripeFinancialConnectionsSize

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github-actions bot commented May 8, 2024 • edited

StripePayments

StripeCore

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kgaidis-stripe commented Apr 19, 2024 •

edited

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emerge-tools bot commented May 7, 2024 •

edited

StripeApplePaySize 1.0 (1)
com.stripe.StripeApplePaySize

StripePaymentsSize 1.0 (1)
com.stripe.StripePaymentsSize

StripePaymentSheetSize 1.0 (1)
com.stripe.StripePaymentSheetSize

StripeSize 1.0 (1)
com.stripe.StripeSize

StripePaymentsUISize 1.0 (1)
com.stripe.StripePaymentsUISize

StripeFinancialConnectionsSize 1.0 (1)
com.stripe.StripeFinancialConnectionsSize

github-actions bot commented May 8, 2024 •

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