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Fix: Hide payment methods with domestic transactions restrictions (Klarna, Affirm, Afterpay) when conditions are not met #8980

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danielmx-dev
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@danielmx-dev danielmx-dev commented Jun 18, 2024

Fixes #8718

Changes proposed in this Pull Request

This PR performs a similar fix as the one performed here woocommerce/woocommerce-gateway-stripe#3108, the same PR description also applies here:

Customers paying with Klarna, Affirm and Afterpay/Clearpay have specific cross border restrictions they must adhere to. ie Customers can only purchase from the same country the Stripe account is located. eg AU to AU. The one exception to this is Klarna where customers and merchants located in the European Economic Area (EEA) + the UK and Switzerland can also transact. eg a customer in the UK can transact with a merchant in Germany.

This is documented in Stripe docs:

https://docs.stripe.com/payments/klarna
https://docs.stripe.com/payments/afterpay-clearpay
https://docs.stripe.com/payments/affirm
This PR implements this restriction by ensuring that the payment method is only enabled on checkout if the transaction is considered domestic using their respective ruleset.

The only significant difference in this PR, is that we also perform a currency check for Klarna and EEA/UK/CH purchases in order to validate that the presentment currency matches the customer's country. This prevents, for example, showing Klarna when the customer country is Spain (ES) but the currency is set to GBP, since Spain's domestic currency is EUR (even if both currencies are technically supported).

Testing instructions

Scenarios

Use these provided scenarios along with the instructions to validate the expected result. Please note that this list of scenarios is not exhaustive, but should cover the most significant combinations.

Payment Method WooPayments
Account Country
Store Currency Customer Country Visible during
checkout
Affirm / Afterpay US USD US
Affirm / Afterpay US CAD US
Affirm / Afterpay US USD CA
Klarna US USD US
Klarna US CAD US
Klarna US USD CA
Klarna BE* EUR BE*
Klarna BE* GBP BE*
Klarna BE* EUR ES

*Note: You can replace Belgium (BE) with any of the countries in this list (except Spain) to achieve the same results.

  • Prerequisite: Using a WooPayments account onboarded using the scenario's WooPayments Account Country.
  • Enable the Payment Method in the WooPayments settings.
  • Set the Store Currency in the customer's My Account page or via the URL's query string ?currency=<Store Currency>
  • Add items to your cart worth for at least 50.00 in the current currency (some payment methods require minimum amounts).
  • Go to checkout
  • Change the country to Customer Country
  • Based on the scenario, the Payment Method should be Visible during checkout or not.

  • Run npm run changelog to add a changelog file, choose patch to leave it empty if the change is not significant. You can add multiple changelog files in one PR by running this command a few times.
  • Covered with tests (or have a good reason not to test in description ☝️)
  • Tested on mobile (or does not apply)

Post merge

@botwoo
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botwoo commented Jun 18, 2024

Test the build

Option 1. Jetpack Beta

  • Install and activate Jetpack Beta.
  • Use this build by searching for PR number 8980 or branch name fix/8718-restrict-klarna-non-domestic-transactions in your-test.site/wp-admin/admin.php?page=jetpack-beta&plugin=woocommerce-payments

Option 2. Jurassic Ninja - available for logged-in A12s

🚀 Launch a JN site with this branch 🚀

ℹ️ Install this Tampermonkey script to get more options.


Build info:

  • Latest commit: 9343e12
  • Build time: 2024-06-20 13:37:09 UTC

Note: the build is updated when a new commit is pushed to this PR.

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github-actions bot commented Jun 18, 2024

Size Change: 0 B

Total Size: 1.25 MB

ℹ️ View Unchanged
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compressed-size-action

Comment on lines +125 to +138
'UK account with EUR store currency' => [
'account_country' => Country_Code::UNITED_KINGDOM,
'site_currency' => Currency_Code::EURO,
'expected_result' => [
Country_Code::AUSTRIA,
Country_Code::BELGIUM,
Country_Code::FINLAND,
Country_Code::GERMANY,
Country_Code::IRELAND,
Country_Code::ITALY,
Country_Code::NETHERLANDS,
Country_Code::SPAIN,
],
],
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Although this is a valid scenario, currently there is not way to manually test it due to the limitations described here #8718 (comment) Which should be addressed as part of a new issue.

@danielmx-dev danielmx-dev marked this pull request as ready for review June 18, 2024 19:52
@danielmx-dev danielmx-dev requested review from a team and brettshumaker and removed request for a team June 18, 2024 19:53
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Thanks for getting this fixed!

@danielmx-dev danielmx-dev added this pull request to the merge queue Jun 20, 2024
Merged via the queue into develop with commit 770cd33 Jun 20, 2024
23 checks passed
@danielmx-dev danielmx-dev deleted the fix/8718-restrict-klarna-non-domestic-transactions branch June 20, 2024 16:19
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[Klarna] Error on non-domestic transactions for shoppers from supported countries
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