kaustuva-le | Stripe Developers | Page 1

solemn summitBOT Mar 22, 2023, 6:34 AM

#

pulsar robin Mar 22, 2023, 6:37 AM

#

Hi, we ( merchant ) wanted to give our customer the option to hold inventory for a couple of days.

After a couple of days we want to charge them.
We want to give them the option to opt out within the 48 days.
If they opt out we would not charge them and release the inventory.

What is the best API for this job? Does this API check that the customer has enough cash in their account and hold this amount for us?

digital pebble Mar 22, 2023, 6:42 AM

#

We support the Capture later flow here https://stripe.com/docs/payments/place-a-hold-on-a-payment-method

Place a hold on a payment method

Separate payment authorization and capture to create a charge now, but capture funds later.

pulsar robin Mar 22, 2023, 6:45 AM

#

Thanks, a couple of questions around 3DS and subscriptions:

For direct /regular charges we can pass a parameter during payment intent creation to request for a 3DS authentication.

request_three_d_secure: 'any'

Can the bank choose to skip this authentication even if we pass the parameter?

#

Another question we have is:
For direct/regular charges, the customer can be protected with 3DS.
What happens to charges which are generated via a subscription? How are they protected in that case?

digital pebble Mar 22, 2023, 6:49 AM

#

Can the bank choose to skip this authentication even if we pass the parameter?
Yes AFAIK. The bank hold the final decision to request or not
What happens to charges which are generated via a subscription? How are they protected in that case?
If the bank decide to request 3DS on a Subscription renewal, Stripe will notify you a payment_intent.requires_action event, and you would need to bring your customer back online to authenticate

pulsar robin Mar 22, 2023, 6:55 AM

#

Thanks a lot orakaro.

Another few quick queries that we had:

When regular charges are authenticated via 3DS the liability in case of fraud shifts from business/merchant to the card issuer.
What happens in case of payments via subscriptions ( i.e. auto debit )? Does the liability in case of fraud sit with the merchant?
Is it possible to create subscriptions which would be 3DS authenticated during creation?
If the bank chooses to not request a 3DS despite us passing the parameter request_three_d_secure: 'any' does the liability sit with the bank?
Can stripe process a $0 payment? Can we do it with the option of requesting a 3DS check?

digital pebble Mar 22, 2023, 7:02 AM

#

It depends on if the renewal requires 3DS or not. Required = shifted, not required = not shifted
You are already using the most enforcement by request_three_d_secure : any . It will request 3DS if 3DS is available for the card.
It only happens if the card is not configured for 3DS (by the bank) and yes liability shift won't happen
That's what SetupIntent does. It's basically $0 authentication and trigger 3DS if available

pulsar robin Mar 22, 2023, 7:07 AM

#

Thanks.
Can SetupIntent be used to do a 3DS authentication for off session usage?
i.e. once the customer has set their card up with 3DS, we can then use the card to create subscriptions to autodebit them?

#

Looks like the default is 'off session'. So setup intent would allow the merchant to use the card being setup for creating subscriptions and autodebiting customers?

digital pebble Mar 22, 2023, 7:15 AM

#

Yes

pulsar robin Mar 22, 2023, 7:16 AM

#

Thanks. That's all I needed for now.
Have a good day/evening

#kaustuva-le