如何将Stripe客户的PaymentMethod自动应用于订阅支付？

业务场景 #

• 企业客户购买实物商品，移动端收集信息后，服务器成功创建Stripe Customer与PaymentIntent（已在Stripe后台验证）；
• 支付完成后，Webhook捕获charge.succeeded事件，尝试借此将PaymentMethod设置为自动支付（含确认及重定向URL），但全部失败；
• 创建订阅后，期望使用该客户的PaymentMethod完成订阅支付，但支付状态显示未完成，需手动确认。

服务端处理流程及问题 #

1. 创建PaymentIntent代码

Stripe.apiKey = API_SECRET_KEY;
long totalCharge = calcTotalCharge(purchaseRequest.getRequestedProducts());
PaymentIntentCreateParams paymentIntentCreateParams = PaymentIntentCreateParams.builder()
                .setCustomer(customer.getId())
                .setAmount(totalCharge)
                .setCurrency("usd")
                .setDescription(OFFICE_PURCHASE)
                .setSetupFutureUsage(SetupFutureUsage.OFF_SESSION)
                .setAutomaticPaymentMethods(PaymentIntentCreateParams.AutomaticPaymentMethods.builder()
                                .setEnabled(true)
                                .build())
                .build();

PaymentIntent paymentIntent = PaymentIntent.create(paymentIntentCreateParams);
SetupIntentCreateParams setupIntentParms =
                SetupIntentCreateParams.builder()
                                       .setCustomer(customer.getId())
                                       .addPaymentMethodType("card")
                                       .build();                                      

SetupIntent setupIntent = SetupIntent.create(setupIntentParms);

使用Stripe Elements完成订单，但此时无法设置确认或自动支付，因尚未获取PaymentMethod。

2. Webhook处理异常
   抛出异常：java.lang.RuntimeException: com.stripe.exception.InvalidRequestException: Received unknown parameters: enabled, returnUrl, confirm; code: parameter_unknown; request-id: req_My6nCQVFVNbsSgtry
   对应代码：

try {
  PaymentIntent paymentIntent = PaymentIntent.retrieve(charge.getPaymentIntent());
  Map<String, Object> automaticPaymentMethods = new HashMap<>();
  automaticPaymentMethods.put("enabled", true);
  automaticPaymentMethods.put("confirm", true);
  automaticPaymentMethods.put("returnUrl", "https://cnn.com"); // 仅为满足Stripe要求，无实际作用
  logger.info("webhook updating paymentIntent.automatic payment method as {} ", paymentIntent);
} catch (StripeException e) {
throw new RuntimeException(e);
}

3. 核心疑问
   如何将客户PaymentMethod设置为自动确认支付（订阅用户无法手动确认），同时对自定义URL Scheme或Universal Link存在疑问。

更新内容 #

已调整支付完成后Webhook的处理代码，不再尝试设置automaticPaymentMethods，改为更新客户的默认PaymentMethod，但问题仍未解决：

PaymentIntent paymentIntent = PaymentIntent.retrieve(charge.getPaymentIntent());
paymentIntent.getAutomaticPaymentMethods().setEnabled(true);

String paymentMethod = charge.getPaymentMethod();
String customerId = charge.getCustomer();
Long chargeAmount = charge.getAmountCaptured();
// 用paymentMethod更新待处理订单
try {
  Customer customer = Customer.retrieve(customerId);
  customer.update(CustomerUpdateParams.builder()
  .setInvoiceSettings(InvoiceSettings.builder()
  .setDefaultPaymentMethod(paymentMethod)
  .build())
  .build());
} catch (StripeException se) {
  logger.error("unable to customer {} the paymentMethod {}", customerId, paymentMethod);
}

内容的提问来源于stack exchange，提问作者sonoerin