RaymondStanleyC | Stripe Developers | Page 1

fallow veldtBOT Dec 23, 2022, 10:04 AM

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gleaming root Dec 23, 2022, 10:05 AM

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hi! not really no, we don't support just doing an ad-hoc authentication like that without an associated authorization. What's the use case?

craggy karma Dec 23, 2022, 10:17 AM

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Thanks for the answer.
Use Case: We would like to Batch multiple transactions from one customer into a single charge.
Since the charge will happen without the customer being in session, it could potentially required a strong customer authentication that we wont be able to fulfill.
To avoid this, we would like to explore the idea of doing Strong Customer Authentication every time the user adds more items to the bill.

gleaming root Dec 23, 2022, 10:18 AM

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doesn't really work that way; at the time when you do submit your batch payment and we attempt to authorise the card, the bank can decline that payment and request authentication.

The recommended way to build this is use a SetupIntent to save the card, then charge it off-session to claim an exemption, and have a recovery flow to contact them if 3DS ends up needed
https://stripe.com/docs/payments/save-and-reuse?platform=web

craggy karma Dec 23, 2022, 10:25 AM

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Unfortunately for our business, the recovery flow results into a lot of costs of unpaid orders, as the service has already been provided to the customer.
Is there no way to avoid relying on exemptions?

gleaming root Dec 23, 2022, 10:26 AM

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not really, if you authorise a charge on a card, that is always going to have a chance to decline

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I do think you should be looking into auth-and-capture (https://stripe.com/docs/payments/place-a-hold-on-a-payment-method) at least so you can authenticate+authorise things upfront

#RaymondStanleyC