@Eileenmcnaughton @dkozlowski as we are heading into peak season, any thoughts on this? As things stand, we don't want the up front dedupe for peak season given the resources available for data entry.

We do not have a contract to process SEPA for Trustly. This is something we will seek to add in the future possibly. For now the focus is ACH through Trustly.

Thanks @Cstone. Here is what I'm drawing as a comparison for this phab: WMF:

@Cstone - Are you able to give me the total transactions attempted on the given months so I can compare to the rescued number? I want to be sure I've got the picture straight.

Thanks Elliott @Ejegg ! Watching.

@Cstone Hi Christine, thank you for this!! With what you have assembled here it seems there is value with Adyen's approach. They may be rescuing the same trxs WMF logic rescued, but there seem to be more rescues month over month https://docs.google.com/spreadsheets/d/1Pr-ExY0Z1nxv6seORdiD3EMwklJZ20uc/edit?gid=1894480238#gid=1894480238. We rescued sub 1% each month on average and they are trending to rescue between 20-30% depending on the payment type. This seems to say to me that we continue with the service. LMK what more the search kit will unveil. I think the month over month tells the story...

Notice today from Adyen

I am tracking the drop off rate here: https://docs.google.com/spreadsheets/d/1H4o2P7NsdgGXOQZu0WPIb-tOBDJoNm9kSc8gYnbBqn4/edit?gid=0#gid=0

Here is the latest update from Adyen on this matter:

Hi All concerned. Adyen just opened a ticked seemingly about our issue:

@AMJohnson Adyen is saying they cannot troubleshoot and think the matter is something on our end since it isn't contained to only iDeal but involving Paypal and Apple Pay as well.

Thanks @AMJohnson . It is escalated at Adyen and I'll let you know what they come back with on this.

Interesting these screen shots are from SNS bank. I will check to see if this bank had an issue over recent days. Any input re Triodos bank who reportedly DID have an issue, as above @AMJohnson ?

Noting a reported issue with iDeal by Adyen that is now resolved (yesterday) involving a specific bank in case this sounds familiar to DR:{F57277118}

@krobinson Noted. I have asked Adyen about this. I see a 6% drop off in the last week.

Adyen had this to say re the declines of. "Transaction FAilure" seen in this screenshot which seem to be the reason code I'm seeing in the console around iDeal refusals -" About this error, it indicates something went wrong from the issuer side. Due to privacy reasons, issuers do not provide specific reasons for the failure. Some reason for failures include: insufficient funds, limit exceeded, technical failures, etc. It's important for these cases the shopper contact his issuer for more details."
I am asking them i0f they can pin this down to a set of specific issuers as I am seeing a variety that I manually scrolled through.

I have raised this with Adyen as well to look into things on their end.
{F57275897}

Thanks @AKanji-WMF . It is key to get unblocked so the focus here is appreciated.

Discussed at stand up @RKumar_WMF and we will handle through Gr4vy

Can we re-enable the additional 16 markets?

From Adyen: Our SEPA integration is available for all countries in the SEPA area as long as the currency is EUR and the bank account is denominated in EUR

@AnnWF. 1. Yes, let's show the image. That was the original request so great that we can do this.

2. ACH is US only so no need to translate
3. That sounds ok
4. If we don't collect the name won't that be an issue for us in Civi?
5. Looks ok.

The returns for ACH and SEPA re not chargebacks and shouldn't be tagged as such. They are a delayed bank response. Can we count ACH and SEPA returns as rejects vs CB's? Counting them as chargebacs at all is misleading, there is no consumer dispute process in the ACH/SEPA networks as there is in Credit card networks. For ACH and SEPA they are not disputes but bank returns. Can we therefore label them accordingly?

Agree that ACH and SEPA rejects / returns should be rejects and not recorded as chargebacks. This has been a concern for a while as iDeal SEPA returns are also noted as chargebacks when they are not.

Great! Thanks @AKanji-WMF . I thought so!

I have spoken to Gr4vy about this requirement and trying to solve for it through our connection to them.

Parking some background on the ACH validation requirement here as we consider how to gain compliance:

Thanks @Anil. I will ask Adyen what we do since GIACT is only available on the API connection.

In a conversation with Gr4vy during the week of 6/10/24 they disclosed that Adyen has deprecated the connection to Amazon Pay. The notion of re-enabling Amazon Pay through Gr4vy, once we are ported will need reconsideration. Evelyn will inquire with Adyen about their go-forward plans around AZ Pay or perhaps we can add it as part of another acquirer that we will add through Gr4vy.

Adyen confirm their logic is correct in that they only check for 3 digits.

@Aklapper Looks like the tag I want is already present?

Here is the info for the Inacct system format from Finance (Angelito): Attached is the import file format. I have notes in the first tab of the file to orient you on how to interpret the data shown. Some notes:

• The Journal Entry Template Tab will show all the data fields that can be fed into Intacct, but not all are required to record a transaction. We would want to review what is available against our reporting requirements to ensure we have all the data fields necessary (this would be a collective we - Advancement, Accounting, FP&A requirement).
• Mapping Review tab shows how the fields in their original settlement file could be mapped - note that this review will need to be redone based on their new file as well as based on our final requirements.
• Transaction Upload Example is a mockup of a transaction file that contains the minimum information we may want to capture.

Report resumed but now the fields are in the wrong order

Thanks @Damilare I will chase them for an update.

@Damilare, can you confirm that all transactions that should have been captured are now captured? Also, what is the status of the audit files that should be populating Civi? I'm a bit confused as to where things stand as we see unsettled auths which may be ok and want to be sure we capture these outstanding items in Civi.

@Ejegg No, I will chase them again! Thanks for the prompt.

Can we get

Thanks @AKanji-WMF I can't see the image but that link approach works.

Thanks @Damilare If it's not too much trouble, can you tell us the currencies involved?

@XenoRyet Dylan, might this be impacting markets outside of S.A.?

Thanks Dami!

Dlocal indicate:
Love Kolapo

6:54 AM

Hello
@Rakhi
and
@EMartin

I am seeing in the console that we are capturing so asking Dlocal for more info.

Good to know. Dylan said we wouldn't do this until we had Gr4vy.

@EMartin to check with Adyen re the inconsistencies seen here.

@anil. Yes! exclude it if not required. I read it was but I got that wrong. Please remove!

@AKanji-WMF If we are using Adyen's the form isn't working to their specification. I wonder why.

@Pcoombe Hi Peter, thanks for the links.

@Damilare Thanks Dami, I have sent an email to Adyen and copied you in. @RKumar_WMF fyi

I have reached out to Adyen @Damilare @Cstone and copied you both in.

Just noting here @Cstone that Adyen confirmed to me that we are setup for recurring on ACH on their systems when I asked their support team. LMK if I should resurrect that thread.

For Paypal, we settle everything into USD.

@MSuijkerbuijk_WMF Hi Mariana, are we clear here that this wasn't a technical error? We attempted the transactions and these failed as they were declined by issuing banks and now we are retrying them. I just want you to be clear on what is actually happening here to make your decision on how to message this.

@AKanji-WMF I'm of the view that we don't need to email but simply retry a 4th attempt. I believe @krobinson may have other views on this. Also adding @MSuijkerbuijk_WMF

@AKanji-WMF Let's hold off in this case. I will close this task. Given the market size to WMF, we don't want to distract FRTech. Maybe I can pursue something with an orchestrator down the line.

@AKanji-WMF If it is possible, we should do it. At the time I wrote this I understood we could remove a step in the flow. We should do that any time we can to reduce steps in the checkout flow.

@AnnWF @RKumar_WMF Hi Wenjun, when this uploads, can we have a link for testing?

@Ejegg Elliott, I just saw the open question above which I think is still open. I say we bill on the new reactivation date since retries don't adhere to the normal charge date.

@Ejegg To be clear, we weren't suspecting there was any problem. We just want to try to recapture a 4th time since it is allowably by the card scheme rules, so we have as many live donors as possible as we close out recurring donors on Ingenico. Also this is a peak time of year so thought a 4th attempt might rescue some donors as a one shot attempt.

@greg Affinaquest said sometime in the next year the current search will stop working but they have not published a date. They made it clear they are not updating the current search mechanism/approach going forward from now.

Inserting Adyen's description of transaction level recon here: https://docs.adyen.com/reporting/settlement-reconciliation/transaction-level/

No longer necessary, @AKanji-WMF . Our Ingenico account is closing for good next month.

@MBeat33 To avoid duplication, Michael, I reached out to Kristie about this already and she is actioning.

@AKanji-WMF Hi Anil, as all of DR is off on the 30th for holiday break, can we move this to the following week?
@MSuijkerbuijk_WMF please note these pending recurring retries from Q2.

Excellent! We will be watching approval rates. Many thanks @Ejegg @RKumar_WMF

Hi Elliott. I am ready when you are. I'll keep an eye on things. I have
reset the settings in the Adyen console and will watch for how this
reacts. Please let me know when it is deployed.

yes @AKanji-WMF

@AKanji-WMF Hi Anil, are we able to do this fairly timely?