[BUG] [P1] UnionPay Test Card marked as invalid on iOS

[alentvinsent]

Summary

UnionPay Test Card marked as invalid on iOS

What is blocked by this issue?

Saving a card

Code to reproduce

import Foundation
import Stripe

struct StripeValidator : CreditCardValidator, CardBrandInformationProvider {
    func validationState(forCardNumber number: String, shouldValidateBrand: Bool) -> ValidationState {



        let stripeState = STPCardValidator.validationState(forNumber: number, validatingCardBrand: shouldValidateBrand) 
        // MARK:- the above stripeState variable is returning .invalid ; 
        //MARK:-when entering UnionPay (19-digit card)    6205 5000 0000 0000 004



   


       return convert(stripeState: stripeState)
   }

    func maxCVCLength(forCardBrand brand: CardBrand) -> Int {
       return Int(STPCardValidator.maxCVCLength(for: convert(brand: brand)))
   }

   func brand(forNumber number: String) -> CardBrand {
      return CardBrand(stripeBrand: STPCardValidator.brand(forNumber: number))
  }

    func lengths(forCardBrand brand: CardBrand) -> Set<Int> {
        return Set(STPCardValidator.lengths(for: convert(brand: brand)).compactMap(Int.init))
    }

    private func convert(stripeState: STPCardValidationState) -> ValidationState {
       switch stripeState {
          case .incomplete:
              return .incomplete
           case .invalid:
              return .invalid
           case .valid:
               return .valid
            }
       }

    private func convert(brand: CardBrand) -> STPCardBrand {
           switch brand {
              case .amex: return .amex
              case .dinersClub: return .dinersClub
              case .discover: return .discover
              case .jcb: return .JCB
              case .mastercard: return .mastercard
              case .unionPay: return .unionPay
              case .unknown: return .unknown
              case .visa: return .visa
           }
    }
}

iOS version

iOS 18.1 (IPhone 16 Pro Simulator).

Installation method

Using Swift Package Manager from Xcode (Note:- Not used any Podfile)

SDK version

23.32.0

[wooj-stripe]

Hi @alentvinsent -

This is a known issue as these 19-digit cards requires a fetch to our backend service for additional metadata. Unfortunately, this flow isn't well supported for your use case (provided in your code sample), as it is tailored for our optimized checkout suite products like PaymentSheet.

That being said, you could technically skirt around this by accessing the @_spi(STP) exposed interface by adding this to your import statement. Please note that these interfaces can break at any time, but for this api, it's unlikely to change any time soon. For example, you can try:

@_spi(STP) import StripePayments

....

    func test19digit() {
        let expect = expectation(description: "...")
        STPAPIClient.shared.publishableKey = STPTestingDefaultPublishableKey
        STPBINController.shared.retrieveBINRanges(forPrefix: "620550", completion: { result in
            switch result {
            case .success:
                let state = STPCardValidator.validationState(forNumber: "6205500000000000004", validatingCardBrand: true)
                XCTAssertEqual(state, .valid)
                expect.fulfill()
            case .failure:
                XCTFail("failed")
            }
        })
        wait(for: [expect], timeout: 5.0)
    }