使用 stripe、node 和 express 成功处理 2 笔付款或退款

Question

我将使用 node express 和 stripe 来处理我的用户的付款。 在极端情况下，它必须按顺序处理 2 个用户的付款。 如果第二笔付款处理失败，则必须退还第一笔付款。

存储用户的支付信息/选项。

如何实施？

Answer 1

您可以使用 stripe webhooks 和数据库来做到这一点。

您可以调用所有交互orders 。 例如，这将是订单的一个实例

interface Order {
  id: string;
  user1: string;
  user2: string;

  user1Succeeded: boolean;
  user2Succeeded: boolean;

  paymentIntent1: string;
  paymentIntent2: string;
}

并将订单存储在某个数据库中。

创建订单

User1 向/create-order端点发出 POST 请求：

router.post("/create-order", async (req, res) => {

  const orderId = "ORDERID"

  // create a payment intent and send it to User1

  const paymentIntent = await stripe.paymentIntents.create({
    amount: 123,
    currency: "USD",
    metadata: {
      orderId: orderId, // save order id so then when payment
                       // succeeded you know what order to handle  
      userId: "USER1" 
    }
  });

  // create an order and store it in database
  // so other users can join the order

  await createOrder({
    id: orderId,
    user1: "USER1",
    paymentIntent1: paymentIntent.id
  });

  res.send({ clientSecret: paymentIntent.client_secret });
})

然后另一个用户想要加入订单并向/join-order端点发出 POST 请求：

router.post("/join-order/:orderId", async (req, res) => {
  const { orderId } = req.params;

  // create a payment intent and send it to User2

  const paymentIntent = await stripe.paymentIntents.create({
    amount: 123,
    currency: "USD",
    metadata: {
      orderId: orderId, // save orderId so when payment succeeds you
                       // know what order to change
      userId: "USER2"
    }
  });

  // JOIN an order and update it in database

  await updateOrder(orderId, {
    user2: "USER2",
    paymentIntent2: paymentIntent.id
  });

  res.send({ clientSecret: paymentIntent.client_secret });
})

处理付款意向

使用 stripe webhooks 来处理支付成功的时间：

router.post("/stripe-webhook", async (req, res) => {
  if(event.type == "payment_intent.succeeded") {
    const data = event.data.object as Stripe.PaymentIntent;

    const orderId = data.metadata.orderId; // the order id that was saved earlier
    const userId = data.metadata.userId; // the user id that was saved earlier


    const order = await getOrder(orderId);

    // update the order so you know later that other user succeeded
    if(order.user1 == userId) {
      await updateOrder(orderId, { user1Succeeded: true });

      if(order.user2Succeeded) { // both users succeeded
        // ORDER COMPLETED, NO REFUNDS
      }
    } else if(order.user2 == userId) {
      await updateOrder(orderId, { user2Succeeded: true });

      if(order.user1Succeeded) { // both users succeeded
        // ORDER COMPLETED, NO REFUNDS
      }
    }
  }


  if(event.type == "charge.failed") { // one of the payments failed
                                      // cancel or refund other
    const data = event.data.object as Stripe.Charge;

    const { orderId } = data.metadata;

    const order = await getOrder(orderId);

    if(order.user1Succeeded) {
      // REFUND USER1
      stripe.refunds.create({ payment_intent: order.paymentIntent1 });
    } else {
      // if user1 didn't pay yet cancel the payment intent
      stripe.paymentIntents.cancel(order.paymentIntent1);
    }
    if(order.user1Succeeded) {
      // REFUND USER2
      stripe.refunds.create({ payment_intent: order.paymentIntent1 });
    } else {
      // if user2 didn't pay cancel his payment intent
      stripe.paymentIntents.cancel(order.paymentIntent2);
    }
    
  }
});

我猜你需要的是Stripe webhooks。 以下是监控付款意向状态的方法