#escanor-auth-capture
torn kite
hazy breach
- Yeah you can cancel https://stripe.com/docs/api/payment_intents/cancel
- We're not experts on fees in here, but I believe there's an authorization fee. I would reach out to support to confirm: https://support.stripe.com/contact/email
- Yes for the first part, although it will take some time to show up in the approved section. You would need to refund. Again, for fees, I recommend asking support.
- This isn't a guaranteed way to check if they will have the right amount. Available funds changes, so it could be different at capture time.
- You can only charge the card if the bank hasn't canceled it yet. Otherwise, you'll need to collect new payment into.
- It shouldn't. You need to be aware of 3DS though: https://stripe.com/docs/payments/3d-secure. Banks can still require it even if you've already authenticated the PM
- https://stripe.com/docs/payments/place-a-hold-on-a-payment-method
- Yes
brittle hare
Thank you very much for the answers!
For #4, you say This isn't a guaranteed way to check if they will have the right amount. Available funds changes, so it could be different at capture time., but I thought that the amount of money of the payment on hold was "freezed" on the customer's credit card and he wouldn't be able to spend it?
Does that mean that if we make a payment intent with a hold like today for 600$, the authorization could be successfull meaning that he has the 600$ at the moment of authorizing, but when we capture the funds 6 days later, he could possible not have the funds necessary at that time?
If so, what can we do if we try to charge the customer an he doesn't have the funds necessary?
hazy breach
Yeah you're right actually. I wasn't too familiar with how holds work
After a payment is authorised, the amount is guaranteed and held on the customer’s payment method.
Just make sure:
You need to capture the funds before the authorisation expires. If the authorisation expires before you capture the funds, the funds are released and the payment status changes to canceled. Learn more about statuses for asynchronous payments. In most cases, you need to capture funds within 7 days.
brittle hare
Ok ok, even better! One last thing 😅 For #5, you say I have to collect new payment info, but what can we do if the customer doesn't want to or something? Can we start a dispute or anything of the sort? And since we had authorized the amount on his previous card that he lost, would this help us in that said dispute? I've never had to do this, but I'm not sure how it would work 😅
hazy breach
Disputes are for customers to make on transactions that have cleared
That situation is different because it's an uncleared transaction and you, the merchant, want to start the process
I don't know if there are any good options to be honest, but that question is better for support: https://support.stripe.com
brittle hare
Gotcha. This helped immensely to clear up my doubts, thank you very much! I sincerely appreciate the time you took to help me out 🙏
I wish you an awesome day!
hazy breach
No problem!
hot fox