How can I validate Stripe Elements card data before calling stripe.confirmPayment in React?

Below is an explanation and a revised approach that validates the card details before creating your pending order.

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Explanation

When using Stripe Elements with React, you want to avoid creating an order in your database unless the card details are valid. Instead of calling your backend to create a pending order first, you can use the Elements API to perform client-side validation.

The solution is to call elements.submit() which will trigger validation on the embedded card form (and trigger wallet collection if applicable). If elements.submit() returns an error, you can immediately notify the customer and avoid creating an unnecessary pending order. If it succeeds without error, you can then proceed with your order creation and call stripe.confirmPayment.

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Code Example

JAVASCRIPTCopied
// Validate the Stripe Elements form first
const { error: submitError } = await elements.submit();
if (submitError) {
  toast({
    title: "Payment failed",
    description: submitError?.message,
    variant: "destructive",
  });
  setIsLoading(false);
  return;
}

// Once validation has passed, create a pending order in your database
const order = await createOrder(values);

// Then trigger Stripe Payment confirmation
const { error } = await stripe.confirmPayment({
  elements,
  confirmParams: {
    return_url: `URL`,
  },
});

if (error) {
  // Handle payment confirmation error
  setIsLoading(false);
  return;
}

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Additional Considerations

• Timing of Order Creation:
  By performing the card validation first, you delay order creation until you’re confident that the payment form data is valid. This reduces unnecessary pending orders.

• Error Handling:
  Ensure you have error handling for both the client-side validation via elements.submit() and for stripe.confirmPayment(). Some errors (like insufficient funds, authentication errors, etc.) might only surface after calling stripe.confirmPayment.

• User Experience:
  Provide clear feedback (using your toast or any other UI element) so that users know exactly what the issue is if validation fails.

Implementing this approach aligns with best practices for integrating Stripe Elements, ensuring that your backend is only called when the payment information is valid, ultimately reducing unnecessary load and potential issues with pending orders.

Let me know if you have any questions specifically on the Stripe API or documentation.