What is NOT an advantage of the Payment Intents API?

The Payment Intents API provides a modern and efficient way to handle payments while ensuring compliance with regulations like Strong Customer Authentication (SCA). An important aspect of this API is that it simplifies the payment process, which inherently encourages greater customer engagement during the payment process.

Auto authentication handling is a significant advantage as it allows the API to manage authentication challenges, making payments smoother for both merchants and customers. Support for SCA ensures that the API meets regulatory requirements, boosting security without compromising the user experience. Additionally, the API addresses idempotency, which allows merchants to safeguard against duplicate payment requests, reducing potential errors during transactions.

Notably, the statement regarding "less customer engagement" is not an advantage of the Payment Intents API. In practice, effective payment handling generally leads to improved customer experiences, resulting in higher engagement levels. Customers are more likely to complete transactions when the payment process is streamlined and secure. Therefore, robust customer engagement is essential for conversions and repeat business, highlighting that the context in which the Payment Intents API operates is actually aimed at enhancing, rather than reducing, customer interaction during payment processes.