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Issue with bank transfer payments in Brazil
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Description

Hi fr-tech,

Rakhi and the payments team QA'd our Brazil email campaign and reported that the bank transfer payments option is not functioning. According to Rakhi:

"If you open any of these emails and then click on any link. Once the donation form opens, please select amount etc and click on Bank Transfer. Here you will come to the credentials screen, you can use your credentials and for CNPJ you can use 00.623.904/0001-73 and click on Continue and at this step nothing further happens. We should be able to enter further banking information etc."

@Ejegg @greg would this be the correct place to address this issue?

cc: @LMedley-WMF

Event Timeline

Pcoombe subscribed.

Same result for me. I don't see any warnings in the browser console

Could someone paste one of these links here? Looks like I didn't get the test emails mentioned

Link aside it does look like both ACH and picpay were turned off in a dlocal submethod cleanup patch, so nothing is happening as we don't have any bank transfer methods enabled.
Testing locally I am also getting {"code":3003,"message":"Merchant has no authorization to use this API"} which isn't helpful and could be an independent issue.

@RKumar_WMF did we turn off ACH on purpose? If not we can turn it back on our end and you can test.

As far as I know we did not turn it off since we had it enabled in the month of November when we did external test, so please enable asap since we have Pre-test scheduled tomorrow. Thank you @Cstone

@Cstone

Change 992487 had a related patch set uploaded (by Cstone; author: Cstone):

[mediawiki/extensions/DonationInterface@master] Enable ACH for Brazil

https://gerrit.wikimedia.org/r/992487

Change 992487 merged by jenkins-bot:

[mediawiki/extensions/DonationInterface@master] Enable ACH for Brazil

https://gerrit.wikimedia.org/r/992487

Okay we enabled ACH for BR and are still getting this error on production:
Unsuccessful createPayment response from gateway: failed : {"code":3003,"message":"Merchant has no authorization to use this API"}
I think we need to contact dlocal and ask them to turn this on for us
@RKumar_WMF

Below message from dLocal: @Cstone

Kindly provide the transaction reference so we can confirm this as both Boleto and Pix payments and the which are the APMs offered in Brazil are rightly configured.

In addition, the reason we have transactions rejected for fraud is due to the limit we put on the cards of users which is 3 retries per card. Once it goes above 3 retries for a particular user or card, it is automatically rejected for fraud.

Please note in the past when we would select Bank transfer option, we used to get the icons to select from on the donation form:

image.png (652×1 px, 117 KB)

We are not getting this screen now. Also whenever a transaction used to error, we would see a rejected or pending transaction in dlocal console but now we are not seeing any rejected transactions in dLocal console. @Cstone

@RKumar_WMF I think ACH isn't enabled at all on dlocal's end, which is why we are seeing that error page with the error {"code":3003,"message":"Merchant has no authorization to use this API"}

If it was enabled I think we would see those icons to select that we aren't seeing anymore.
It's never getting to the point of starting a donation so that's why we don't see anything in dlocal's console.

@RKumar_WMF I think ACH isn't enabled at all on dlocal's end, which is why we are seeing that error page with the error {"code":3003,"message":"Merchant has no authorization to use this API"}

If it was enabled I think we would see those icons to select that we aren't seeing anymore.
It's never getting to the point of starting a donation so that's why we don't see anything in dlocal's console.

Let's clean up all submethod on the parent ticket by emailing dlocal and ask Evelyn to follow up with either enable it at their end or disable at our end

Sent email to dLocal to enable ACH.

PIX is not working. Error code: 204223431.9. Please check.

Message from dLocal:

"The reason for the API error you received is a result of a change from your team inputting the wrong code which in this case is IO.
In Brazil, the bank transfer payment methods with the bank codes (Santander, Banco do Brazil, Itau, and Boleto) are all available and working fine and these codes have to be included in the check-out URL appropriately by your team to prevent the error message. This is also the same situation in all of the LATAM countries based on the bank codes we delivered in the spreadsheet.
The reason for the error message is that your team was trying to complete the bank transfer payment using a code similar to South Africa which is IO and that is not available in LATAM."

Message from dLocal:

"The reason for the API error you received is a result of a change from your team inputting the wrong code which in this case is IO.
In Brazil, the bank transfer payment methods with the bank codes (Santander, Banco do Brazil, Itau, and Boleto) are all available and working fine and these codes have to be included in the check-out URL appropriately by your team to prevent the error message. This is also the same situation in all of the LATAM countries based on the bank codes we delivered in the spreadsheet.
The reason for the error message is that your team was trying to complete the bank transfer payment using a code similar to South Africa which is IO and that is not available in LATAM."

@RKumar_WMF Hi Rakhi, here is their documentation, which indicate IO is the payment_method_id for BR bank transfer, I am confused, what should we replace to? https://docs.dlocal.com/docs/brazil#bank-transfer. I just wrote back them email and cc our fr-tech@wikimedia.org and you and Evelyn for this issue, once they come back with the response, we just need to verify from postman and update our yaml files, should be a easy fix, thanks!

Change 1003113 had a related patch set uploaded (by Wfan; author: Wfan):

[mediawiki/extensions/DonationInterface@master] Remove ach from latam but add to south africa

https://gerrit.wikimedia.org/r/1003113

refer to https://phabricator.wikimedia.org/T346814, after validate live enabled payment methods, find out ACH with code IO is not one of enabled for bank transfer, I added the enabled bank transfer payment methods, SB, BB, I and B, they currently use pix to handle bank transfer, if you still want to have ACH, please refer to that email Sebastian said to contact Dlocal, since it has to be reviewed by their account manager to enable it. you can now test both bank transfer and pix cash payment with CPF: 332.945.766-09(if you need a valid one to test) @RKumar_WMF

Change 1003113 merged by jenkins-bot:

[mediawiki/extensions/DonationInterface@master] Based on dlocal payment_method api get the enalbed bt for brazil

https://gerrit.wikimedia.org/r/1003113

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