Interac co-branded cards not being accepted on SetupIntent

[tomas-reuser]

We are following the docs to save a card and charge later using the React Native SDK. We need to be able to support Interac cards for Canada users, and currently, we can create setupIntents with credit cards. Still, when we try to use a cobranded Interac card (as described on the docs, it should be supported for iOS), it will not accept the payment method.

To Reproduce
Steps to reproduce the behavior:

1. Create a setupIntent using the sdk provided method createSetupIntent

const { setupIntent, error: setupIntentError } = await createSetupIntent({});

2. Call the provided sdk method collectSetupIntentPaymentMethod

const { setupIntent: collectSetupIntent, error: collectError } =
        await collectSetupIntentPaymentMethod({
          customerConsentCollected: true,
          setupIntent,
        });

3. On the stripe tap card page, tap a debit co-branded interac card

4. An error message is displayed

Expected behavior
The card should be accepted and saved for the setupIntent flow to continue.

Screenshots

Stripe Terminal React Native SDK version

• 0.0.1-beta.23

Smartphone (please complete the following information):

• Device: iPhone16 Pro Max
• OS: iOS 18.3

Additional context
We are currently using a client-side generation for the setupIntent.

[maggiewhite-stripe]

Hi @tomas-reuser, can you confirm that you were testing on a Canadian Stripe account? It would also be really helpful if you could share a payment intent ID so we could look at our logs.

[maggiewhite-stripe]

Additionally, if you could share anything else about the card (e.g. what bank issued it, what brand it was cobranded with, etc) and if you have seen this across multiple cards, that would be helpful

[lynnhochendoner-stripe]

@tomas-reuser Can you answer the above questions?

[alex-reusables]

@lynnhochendoner-stripe @maggiewhite-stripe

Sorry for dropping off here, I'm working with @tomas-reuser on this integration.

Yes, Canadian Stripe account, let us know if you want an identifier for the account.

The debit card we are testing with is Co-branded Interac and Visa, issued by Bank of Nova Scotia.

This is an event ID evt_1R6vxDBb49XQ2DGyNG6tGRT1 for a successful instance of using this Interac card with a BBPoS Wisepad Terminal using the same workflow ie: React Native integration, create setup intent client-side, capture payment method via card tap on terminal (BBPoS in this case, as opposed to using the device as a Terminal), then attach payment method to customer, attach customer to setup intent as detailed in the Stripe docs here). Calling out specifically that were are attaching the customer later as detailed in this section:

If you didn’t provide a customer during SetupIntent creation, you can attach the generated_card to a Customer object in a separate call.

With regards this question:

It would also be really helpful if you could share a payment intent ID so we could look at our log

We are using setup intents, not payment intents. When the pictured error is shown, the setup intent is created but no further logs appear in workbench related to the attempt. Event ID for Setup Intent creation that we cannot complete due to the pictured error: evt_1R6zWLBb49XQ2DGyx4yTN0GR

[lynnhochendoner-stripe]

Could you collect a sysdiagnose while reproducing the issue? This will help us debug with Apple support.

Instructions on how can be found here: https://it-training.apple.com/tutorials/support/sup075
You will also need to install the Tap to Pay profile on your iOS device: https://developer.apple.com/bug-reporting/profiles-and-logs/?name=tap%20to%20pay

[tomas-reuser]

Sure thing, I will get on it. It seems we need to set up something in our developer account for me to be able to download the Tap To Pay profile. I will get into that and report back once I have collected the data with sysdiagnose. Thank you!

[tomas-reuser]

Ok, so I installed the provisioning profile, followed the steps to use the sysdiagnose tool, and generated the log by reproducing the issue. Here is the log file, it was to big to upload here, so here is a drive link for it.

https://drive.google.com/drive/folders/1TaYOwlGtJb-6V_nlgUtYqSd4cYWC5eUL?usp=sharing

[lynnhochendoner-stripe]

Thanks!
I'll pass this on to Apple.

[maggiewhite-stripe]

Hi @tomas-reuser, Apple got back to us about the sysdiagnose and unfortunately they were not able to share any information that would help us debug this issue. We have not been able to reproduce this issue yet - we are going to try to locally reproduce the issue and see what we can do, but unfortunately it's quite challenging to debug what may be happening as this functionality is owned by Apple and obfuscated from Stripe.