#Jay S
lethal moon
foggy tapir
Thanks Dingbot
half swan
Hi, typing here ...
This is against network policies and violates your TOS. Instead, the recommendation is that when you charge the $2000 amount, you can leverage Radar, https://stripe.com/docs/disputes/prevention/verification.
foggy tapir
What about a customer that backs out of a charge before it gets captured?
Is that against TOS?
half swan
What do you mean by 'backs out of a charge before it gets captured'?
foggy tapir
In my application, a customer can request a technician to come to their location and do service on their items, but there is a window where the customer or technician can cancel the job request but this would be after the pre-auth. If the customer or technician were to back out, then the charge wouldn't complete.
This could happen x amount of times unknown to the app, based on the communication between customer and technician. If they decide to cancel and not complete the job, the charge would default. Is that also against my TOS and I should charge the customer anyway?
half swan
Even if the technician and the customer cancels, you'd still charge the customer int his case? Or are you asking if you can cancel the authorization?
foggy tapir
No, the idea is to not charge a customer if he speaks to the technician and realizes that he doesn't need anyone to come do work for him as he's not receiving any service so it doesn't make sense to charge them. But you mentioned that it violates my TOS if I let a charge go to default so it sounds like my app has the option to either let the charge go uncaptured and break TOS, or charge the customer without them actually receiving any service.
I'm just trying to wrap my head around how I can verify that a customer's card has money on it, without having to pay a fee or charge the customer in the event a job request doesn't actually get completed between a customer/technician.
half swan
In this case, you can just cancel the authorization: https://stripe.com/docs/api/payment_intents/cancel if you're using auth and capture for that $2000. What I'm saying is that, you cannot charge $1 and the refund the customer as this is against our TOS.
What you are directly asking is not possible.
foggy tapir
No, the customer wouldn't be charged and refunded. My original question was if I never call "Capture" on a payment to finalize it (causing the payment to be deleted by default after 7 days), is that possible? without breaking ToS, and incurring fees.
To me that is essentially the same as "canceling" a payment
half swan
That is not possible.
foggy tapir
Alright. Last question, I don't see any reference to fees or penalties for cancelling a payment intent. Is that right to assume that there will be no fee incurred by the customer or the application (my stripe account) for cancelled payment intents? There could potentially be 500 of these cancellations a day, since the application works as a matchmaking service and most of it is automated, I just want to make sure I'm not breaking any TOS.
half swan
You'd likely want to reach out to our support team for specifics on fees and TOS. Our support team will be able to assist you better than I can: https://support.stripe.com/contact.