fastapi和vue集成了stripe支付，我可以放弃stripe元素吗？

Question

目前我们的项目使用FastAPI作为后端，Vue作为前端。我们在后端生成一个支付意图ID，前端使用这个ID创建对应的支付。支付成功后，Stripe的webhook将事件发送到后端API。然而，我们在前端支付过程中遇到了一些问题。我将首先发布一些代码：

后端代码：

@router.post("/create_payment_intent")
async def create_payment_intent(
        request: Request,
        order_id: str = Form(...),
        order_amount: int = Form(...),
        currency: str = Form("gbp")
):
    metadata = {
        'user_id': "",
        'order_id': order_id
    }
    # Create payment intent
    intent = stripe.PaymentIntent.create(
        amount=order_amount,
        currency=currency,
        receipt_email=user_email,
        metadata=metadata,
        automatic_payment_methods={'enabled': True}
    )

    res = {
        "client_secret": intent.client_secret,
        "payment_intent_id": intent.id
    }
    return JSONResponse(RestResult(code=Code.TRUE, msg=Message.SUCCESS_CREATE_PAYMENT_INTENT, data=res).__dict__)

前端代码：

import { RequestApi } from '@/api/RequestApi';
import { loadStripe } from '@stripe/stripe-js';

export class StripeUtil {
    static pay(params: any) {
        return new Promise((resolve, reject) => {
            RequestApi.createPayment(params).then(async res => {
                const stripe = await loadStripe(import.meta.env.VITE_STRIPE_KEY);
                if (!stripe) {
                    return reject('stripe load failed');
                }
                const { client_secret, payment_intent_id } = res.data;

                const { error } = await stripe.confirmPayment({
                    clientSecret: client_secret,
                    confirmParams: {
                        payment_method: payment_intent_id,
                        return_url: 'https://example.com/order/123/complete',
                    },
                });
                if (error.type) {
                    showDialog({ message: error.message }).then();
                    reject(error.message);
                }
            }).catch(error => {
                return reject(error);
            });
        });
    }
}

错误信息：

{
  "code": "resource_missing",
  "doc_url": "https://stripe.com/docs/error-codes/resource-missing",
  "message": "No such PaymentMethod: 'pi_...'; It's possible this PaymentMethod exists on one of your connected accounts, in which case you should retry this request on that connected account. Learn more at https://stripe.com/docs/connect/authentication",
  "param": "payment_method",
  "payment_intent": {
    "id": "pi_...",
    "object": "payment_intent",
    "amount": 1512,
    "amount_details": {
      "tip": {}
    },
    "automatic_payment_methods": {
      "allow_redirects": "always",
      "enabled": true
    },
    "canceled_at": null,
    "cancellation_reason": null,
    "capture_method": "automatic_async",
    "client_secret": "pi_..._secret_...",
    "confirmation_method": "automatic",
    "created": 1731412378,
    "currency": "gbp",
    "description": null,
    "last_payment_error": null,
    "livemode": false,
    "next_action": null,
    "payment_method": null,
    "payment_method_configuration_details": null,
    "payment_method_types": [
      "card"
    ],
    "processing": null,
    "receipt_email": "[email protected]",
    "setup_future_usage": null,
    "shipping": null,
    "source": null,
    "status": "requires_payment_method"
  },
  "request_log_url": "https://dashboard.stripe.com/test/logs/req_fsqWt4IIR3rXhM?t=1731412381",
  "type": "invalid_request_error"
}

从错误信息可以看出，错误指示requires_ payment_method。但是， payment_method 应该如何创建呢？关键问题是我们不打算使用Stripe的Elements来收集用户卡信息。我们应该如何处理这个问题？我查看了Stripe的文档，但没有找到相关的解决方案，可能是由于我的英语水平有限，缺少一些关键信息。

希望得到一些指导。非常感谢您提前提供的帮助，特别是您在百忙之中抽出时间来帮助我。非常感谢您的支持和见解。非常感谢！

Answer 1

Stripe 建议使用 Checkout、Elements 或我们的移动 SDK，这是一种安全且符合 PCI 要求的方式来收集付款方式详细信息。

如果您仍想自行收集详细信息并通过 API 创建付款方式，则需要确保您符合 SAQ D 要求，并且可以按照本文档中的步骤操作启用对原始卡的访问数据 API。