How to fix Stripe payment failed issue

1require('dotenv').config();
2const express = require('express');
3const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY);
4
5const app = express();
6app.use(express.json());
7
8function getDeclineMessage(code) {
9  const messages = {
10    insufficient_funds: 'Insufficient funds. Please use a different card.',
11    expired_card: 'Your card has expired. Please update your payment method.',
12    incorrect_cvc: 'Incorrect CVC. Please check and try again.',
13    processing_error: 'Processing error. Please try again in a moment.',
14    generic_decline: 'Card declined. Please try a different payment method.',
15    fraudulent: 'Card declined. Please contact your bank.',
16    lost_card: 'Card declined. Please contact your bank.',
17    stolen_card: 'Card declined. Please contact your bank.',
18  };
19  return messages[code] || 'Payment failed. Please try a different payment method.';
20}
21
22app.post('/api/pay', async (req, res) => {
23  const { amount, currency, paymentMethodId } = req.body;
24
25  try {
26    const paymentIntent = await stripe.paymentIntents.create({
27      amount,
28      currency: currency || 'usd',
29      payment_method: paymentMethodId,
30      confirm: true,
31      automatic_payment_methods: {
32        enabled: true,
33        allow_redirects: 'never',
34      },
35    });
36
37    if (paymentIntent.status === 'requires_action') {
38      return res.json({
39        requiresAction: true,
40        clientSecret: paymentIntent.client_secret,
41      });
42    }
43
44    res.json({ success: true, id: paymentIntent.id });
45  } catch (err) {
46    const error = err.raw || err;
47    console.error('Payment failed:', {
48      type: error.type,
49      code: error.code,
50      decline_code: error.decline_code,
51      message: error.message,
52    });
53
54    if (error.code === 'card_declined') {
55      return res.status(402).json({
56        error: getDeclineMessage(error.decline_code),
57        decline_code: error.decline_code,
58        retry: true,
59      });
60    }
61
62    res.status(500).json({
63      error: 'Payment could not be processed. Please try again.',
64      retry: error.type !== 'invalid_request_error',
65    });
66  }
67});
68
69// Debug endpoint — retrieve PaymentIntent details
70app.get('/api/payment/:id', async (req, res) => {
71  const pi = await stripe.paymentIntents.retrieve(req.params.id);
72  res.json({
73    status: pi.status,
74    amount: pi.amount,
75    currency: pi.currency,
76    error: pi.last_payment_error,
77  });
78});
79
80const PORT = process.env.PORT || 3000;
81app.listen(PORT, () => console.log(`Server on port ${PORT}`));