TikiTorture

[small ocean]

Hi @gray rose I'd recommend you to use SetupIntent or setup mode Checkout session to collect the payment method form customer, so that your customer just need to enter the card details once and your backend is able to charge the customer off_session.

When you create a off_session charge. you can also do a auth-and-capture by setting capture_method to manual, and you don't need to pay stripe fee if you cancel the paymentIntent and didn't capture the funds. However, the max window that you can hold the funds is 7 days. Ref: https://stripe.com/docs/payments/place-a-hold-on-a-payment-method

[gray rose]

Thanks for the response Jack. Correct me if I'm wrong but I think for certain merchant categories this is extended to 30 days? Ref: https://stripe.com/docs/terminal/features/extended-authorizations

[small ocean]

This is for Terminal (card present payments), and it's only applicable for eligible businesses.

[gray rose]

Uh oh yeah, thats a problem then. How would you generally tackle this Deposits problem then? Motorbike rentals are just like hotels in that sense.

[small ocean]

What deposit problem are you talking about? Is it about a longer auth window?

[gray rose]

Yeah. Because motorbike rentals can easily exceed 1-3 months. There needs to be a way to hold a deposit for longer than 7 days just like a hotel. The reason for the app generally is to fix a trust problem in the marketplace where Partners are no longer handling credit cards directly. So in-person deposit payment opens up that risk.

I could charge/capture the deposit, but then that is paying a fee on a transaction where 95% of the time will be refunded in full.

[small ocean]

So basically you are looking for a longer auth window (1-3 months) for card-not-present transaction, am I right?

[gray rose]

Yeah, I guess thats pretty much it.

[small ocean]

OK, I'd suggest you to reach out to Stripe support https://support.stripe.com/contact and explain to them your business requirement.

[gray rose]

Oh cool, do you think they grant exceptions for this type of thing sometimes?

[small ocean]

I'm unable to make any promises, and please reach out to support and they'll help you along the way.

[gray rose]

Great, thanks for your help and insight.