A free payments library, and safer renewals and checkout

New

• Payments library on platformdtc.com: decline codes for Stripe, PayPal, Braintree, Authorize.Net, Adyen, Checkout.com and bank codes; chargeback reason codes for Visa, Mastercard, Amex, Discover and PayPal; processor fees by country; payment methods by wallet, pay-later, bank and country; and MCC codes. Every page says what the code means, what to do, what PlatformDTC does with it, and links its sources. In English, French, Spanish, German, Portuguese, Italian, Dutch and Chinese.
• DTC Payment Methods Index: a monthly report on which ways to pay online stores show, built from 15.5 million stores, at /research/payment-methods-index. A method that comes bundled with a store platform (for example Afterpay on Square Online) is left out of the headline numbers, so they show real choices.
• Alert: PayPal is refusing renewals. If PayPal refuses renewals because your own PayPal account is restricted or locked, your dashboard says so and links to payment settings. Your customers are not emailed or blamed, and the renewals go through by themselves once PayPal is fixed.

Changed

• Dead cards are not retried on the Fixed schedule either. A lost, stolen, closed or "do not try again" card now stops at the first decline on both retry strategies: the subscription waits as Past due and the customer is asked for a new card.
• More bank answers are understood. A ZIP or address that doesn't match, a reissued card, a PIN the card needs and other Stripe, Authorize.Net and Checkout.com refusals are now handled by their real meaning instead of being retried like low funds.
• Shoppers never hear that their card was reported lost or stolen. Checkout shows a neutral "use another card" message instead.
• Klarna shows on bigger carts: up to $10,000 in the US, CA$17,500 in Canada, CHF 5,000 in Switzerland and €5,000 in the Netherlands, following Stripe's limits.
• Stores that sell in euros, pounds or another currency now charge shoppers outside every market in the store's own currency, on card and PayPal, as the Markets page promises. Before, the same number was charged in US dollars.
• Authorize.Net payments held for review are released instead of shown as failed while the money waits, so a shopper is never charged for an order that doesn't exist.
• Subscription settings now show the real attempt limits: 6 for low funds (7 on PayPal), 4 for temporary bank errors and 2 for "do not honor". See Failed subscription payments.

For developers

• GET /api/v1/public/store-payments/{domain} returns the payment methods a store shows, from the latest index edition, or 404.
• The checkout payment-settings response includes shop_currency. Card and PayPal charges use the server's currency and ignore a currency sent by the browser.