stripe支付 新版paymentIntent(付款意图) demo代码

stripe支付 新版paymentIntent(付款意图) demo代码

stripe支付 旧版 charge付款方式 demo代码 可参考

特点：

1.实现客户绑卡，解卡等

2.全部由服务端进行操作，前端可自定义绑卡，无需使用stripe SDK收集卡信息

3.用户授权进行冻结银行卡的资金，然后 订单结算时进行捕获花费的金额并解冻其余冻结的金额

/**
 * @program: test
 * @description: PaymentIntent api 保存客户和客户卡对象，授权冻结卡金额，结算进行捕获并解冻
 * @author: 闲走天涯
 * @create: 2021-09-01 10:22
 * 支付流程
 * 1.创建支付【status = requires_confirmation】
 * 2.确认支付 【status = requires_capture】 注意：这里进行确认授权，如果是AUTOMATIC（自动捕获）则直接扣款，如果是 MANUAL（手动捕获），则进行授权冻结
 * 3.捕获并解冻其余资金 【status = successed】
 */
public class PaymentIntentTest {
    // key格式 sk_test开头为测试环境key，sk_live开头为生产环境key
    private static final String privateKey = "test_key";

    /**
     * 创建stripe客户
     * @param email
     * @param name
     * @return
     */
    public static Customer createCustomer(String email,String name){
        Stripe.apiKey = privateKey;
        try {
            CustomerCreateParams params = CustomerCreateParams.builder()
                    .setEmail(email)
                    .setName(name)
                    .build();
            Customer customer = Customer.create(params);
            return customer;
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 删除stripe客户对象
     * @param customerId stripe客户对象id
     * @return
     */
    public static Customer deleteCustomer(String customerId){
        Stripe.apiKey = privateKey;
        try {
            //检索对象
            Customer customer = Customer.retrieve(customerId);
            //删除
            Customer customer1 = customer.delete();
            return customer1;
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 创建客户支付方式（需要绑定客户对象）
     * @param creditCard
     * @param customerId stripe客户对象id
     * @return
     */
    public static PaymentMethod createPaymentMethod(CreditCard creditCard,String customerId){
        Stripe.apiKey = privateKey;
        try{
            Map<String, Object> card = new HashMap<>();
            card.put("exp_month",creditCard.getCardExpiryMonth());
            card.put("exp_year",creditCard.getCardExpiryYear());
            card.put("number",creditCard.getCardNo());
            card.put("cvc",creditCard.getCvv());
            Map<String, Object> params = new HashMap<>();
            params.put("type", "card");
            params.put("card", card);
            PaymentMethod paymentMethod = PaymentMethod.create(params);
            Map<String, Object> params2 = new HashMap<>();
            params2.put("customer", customerId);
            paymentMethod.attach(params2);
            return paymentMethod;
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 删除客户支付方式（绑定客户对象）
     * @param paymentMethodId
     * @return
     */
    public static PaymentMethod deletePaymentMethod(String paymentMethodId){
        Stripe.apiKey = privateKey;
        try{
            //检索支付方式
            PaymentMethod paymentMethod = PaymentMethod.retrieve(paymentMethodId);
            //从客户对象上分离
            PaymentMethod paymentMethod1 = paymentMethod.detach();
            return paymentMethod1;
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 创建 支付（授权冻结卡资金或者 确认后直接捕获资金）
     * @param orderCode 订单编号
     * @param frozenAmount 需要授权的金额
     * @param customerId stripe客户对象id
     * @param paymentMethodId stripe支付方式id
     * @return
     */
    public static PaymentIntent createPaymentIntent(String orderCode,Double frozenAmount,String customerId,String paymentMethodId){
        try{
            Stripe.apiKey = privateKey;
            //以分为单位
            BigDecimal decimalAmount = new BigDecimal(frozenAmount);
            decimalAmount = decimalAmount.multiply(new BigDecimal(100));

            PaymentIntentCreateParams params = PaymentIntentCreateParams.builder()
                    .setAmount(Long.valueOf(decimalAmount.intValue()))
                    .setPaymentMethod(paymentMethodId)//绑定支付方式
                    .setCustomer(customerId)//绑定客户对象
                    .setDescription("订单编号：["+orderCode+"]")//支付说明（可用于订单流水查询）
                    .setCurrency("BRL")
                    .addPaymentMethodType("card")
                    .setConfirmationMethod(PaymentIntentCreateParams.ConfirmationMethod.MANUAL)
                    .setCaptureMethod(PaymentIntentCreateParams.CaptureMethod.MANUAL)//手动捕获 AUTOMATIC:自动捕获，确认后会扣款  MANUAL:手动捕获，可以在订单结算时进行捕获
                    .build();
            PaymentIntent intent = PaymentIntent.create(params);
            System.out.println("paymentIntent请求结果="+ JSON.toJSONString(intent));
            return intent;
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 确认订单 paymentIntent
     * @param paymentIntentId stripe paymentIntent对象id
     * @return
     */
    public static PaymentIntent confirmPaymentIntent(String paymentIntentId){
        try{
            Stripe.apiKey = privateKey;
            //检索
            PaymentIntent intent = PaymentIntent.retrieve(paymentIntentId);
            //确认
            PaymentIntent intent1 = intent.confirm();
            System.out.println("createPaymentIntent请求结果="+ JSON.toJSONString(intent1));
            return intent1;
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 捕获金额（进行扣款）
     * @param paymentId stripe paymentIntent对象id
     * @param captureAmount 需要扣款的金额
     * @return
     */
    public static PaymentIntent capturePaymentIntent(String paymentId,Double captureAmount){
        try{
            Stripe.apiKey = privateKey;

            PaymentIntent intent2 = null;
            if(captureAmount==0){
                intent2 = PaymentIntentTest.cancelPaymentIntent(paymentId);
            }else {
                PaymentIntent intent = PaymentIntent.retrieve(paymentId);
                //以分为单位
                BigDecimal decimalAmount = new BigDecimal(captureAmount);
                decimalAmount = decimalAmount.multiply(new BigDecimal(100));
                PaymentIntentCaptureParams params = PaymentIntentCaptureParams.builder()
                        .setAmountToCapture(Long.valueOf(decimalAmount.intValue()))//捕获金额
                        .build();
                intent2 = intent.capture(params);
            }
            System.out.println("capture请求结果="+ JSON.toJSONString(intent2));
            return intent2;
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 取消支付 paymentIntent
     * @param paymentIntentId stripe paymentIntent对象id
     * @return
     */
    public static PaymentIntent cancelPaymentIntent(String paymentIntentId){
        try{
            Stripe.apiKey = privateKey;
            //检索
            PaymentIntent intent = PaymentIntent.retrieve(paymentIntentId);
            //确认
            PaymentIntent intent1 = intent.cancel();
            System.out.println("cancelPaymentIntent请求结果="+ JSON.toJSONString(intent1));
            return intent1;
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 退款
     * @param paymentId
     * @param amount
     * @return
     */
    public static Refund refundPaymentIntent(String paymentId, Double amount){
        try{
            if(amount<=0){
                System.out.println("金额不能低于等于0");
                return null;
            }
            Stripe.apiKey = privateKey;
            //以分为单位
            BigDecimal refundAmount = new BigDecimal(amount);
            refundAmount = refundAmount.multiply(new BigDecimal(100));

            Map<String, Object> refundParam = new HashMap<>();
            refundParam.put("payment_intent", paymentId);
            refundParam.put("amount", refundAmount);
            Refund refund = Refund.create(refundParam);
            System.out.println("退款请求结果="+ JSON.toJSONString(refund));
            if(refund!=null && VerifyData.strIsNotNull(refund.getId())) {
                return refund;
            }
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    /**
     * 检索
     * @param paymentId
     * @return
     */
    public static PaymentIntent retrievePaymentIntent(String paymentId){
        try{
            Stripe.apiKey = privateKey;
            PaymentIntent paymentIntent = PaymentIntent.retrieve(paymentId);
            System.out.println("检索请求结果="+ JSON.toJSONString(paymentIntent));
            if(paymentIntent!=null && VerifyData.strIsNotNull(paymentIntent.getId())) {
                return paymentIntent;
            }
        }catch (Exception e){
            e.printStackTrace();
        }
        return null;
    }

    public static void main(String[] args) throws StripeException {
        String orderCode = "201112115156181515";//订单编号
        Double frozenAmount = 100d;//授权冻结的资金
        Double captureAmout = 20d;//需要扣款的金额
        CreditCard creditCard = new CreditCard();
        creditCard.setCardNo("4242424242424242");
        creditCard.setCardExpiryYear("2026");
        creditCard.setCardExpiryMonth("8");
        creditCard.setCvv("123");
        creditCard.setEmail("[email protected]");
        creditCard.setName("qatest123456");
        //1.创建customer对象
        Customer customer = PaymentIntentTest.createCustomer(creditCard.getEmail(),creditCard.getName());
        //2.生成支付方式并绑定对象
        PaymentMethod paymentMethod = PaymentIntentTest.createPaymentMethod(creditCard,customer.getId());
        //3.发起支付
        PaymentIntent paymentIntent = PaymentIntentTest.createPaymentIntent(orderCode,frozenAmount, customer.getId(), paymentMethod.getId());

        //待绑定支付方式 创建paymentintent时未绑定或者超过7天自动返回requires_payment_method状态
        if("requires_payment_method".equals(paymentIntent.getStatus())) {
            Map<String, Object> params = new HashMap<>();
            params.put("paymentMethod",paymentMethod.getId());
            params.put("customer",customer.getId());
            paymentIntent = paymentIntent.update(params);
        }
        //待确认
        if("requires_confirmation".equals(paymentIntent.getStatus())) {
            //4.进行确认 paymentIntent.status = requires_capture
            PaymentIntent confirmIntent = PaymentIntentTest.confirmPaymentIntent(paymentIntent.getId());
            //创建支付时的设置为AUTOMATIC AUTOMATIC:自动捕获，确认后会扣款  MANUAL:手动捕获
            if ("succeeded".equals(confirmIntent.getStatus())) {//AUTOMATIC 自动捕获,此处会进行捕获并解冻
                System.out.println("捕获的金额=" + confirmIntent.getAmountReceived() + "，剩余金额解冻成功");
            } else if ("requires_capture".equals(confirmIntent.getStatus())) {//MANUAL:手动捕获
                //5.捕获
                PaymentIntent capturePaymentIntent = PaymentIntentTest.capturePaymentIntent(paymentIntent.getId(), captureAmout);
                if ("succeeded".equals(capturePaymentIntent.getStatus())) {
                    System.out.println("捕获的金额=" + capturePaymentIntent.getAmountReceived() + "，剩余金额解冻成功");
                }
            }
        }else if("requires_capture".equals(paymentIntent.getStatus())) {//待捕获
            //冻结金额成功
            // requires_capture 是在手动捕获情况下确认支付后的状态，如果是自动捕获，那么其状态会跳过requires_capture，直接到succeeded
            //System.out.println("资金冻结失败");
            //5.捕获
            PaymentIntent capturePaymentIntent= PaymentIntentTest.capturePaymentIntent(paymentIntent.getId(),captureAmout);
            if("succeeded".equals(capturePaymentIntent.getStatus())){
                System.out.println("捕获的金额="+capturePaymentIntent.getAmountReceived()+"，剩余金额解冻成功");
            }
        }else if("succeeded".equals(paymentIntent.getStatus())){
            //支付成功，这里是支付 冻结金额，后面可通过扣款
            System.out.println("捕获的金额="+paymentIntent.getAmountReceived()+"，剩余金额解冻成功");
        }else{
            //冻结金额失败
            System.out.println("资金冻结失败");
        }

        //6.退款
        Refund refund = PaymentIntentTest.refundPaymentIntent(paymentIntent.getId(),captureAmout);

        PaymentIntentTest.retrievePaymentIntent(paymentIntent.getId());
    }
}

@Data
class CreditCard {
    private String cardNo; //卡号
    private String cardExpiryYear;//过期年
    private String cardExpiryMonth;//过期月
    private String cvv;
    private String email;//邮箱
    private String name;//名称
}