LuisEgusquiza

[lost yarrow]

Hi 👋 please let me know if I'm misinterpreting, but I'm reading this as "does an attempt to make a payment with a debit card trigger a balance check on the associated bank account?", in which case you're correct and the answer to that is no.

[waxen grail]

Hello,

I have my process

1. Charge the money on the card
2. I make the confirmation in the external service (there is no reversal, so I charge first)
3. If point 2 is positive, I close the purchase. if point 2 is negative I make a refund

what i want to do to not generate a refund is the following.

1. check if you have a balance on the card
2. Confirm the payment with an external service (it has no reversal)
3. If point 2 is positive, I make the payment. If point 2 is negative, I no longer charge, nor do I make a refund because I never charge.

[lost yarrow]

You can't do that for cards, that functionality is only available for bank accounts via Financial Connections:
https://stripe.com/docs/financial-connections

[waxen grail]

In other words, you cannot first check if you have a balance, then charge the cards.

[lost yarrow]

Correct

Ah, our Separate Authorization and Capture flow may work for your scenario, it separates authorizing a payment and collecting the funds from the payment into two steps. If the authorization fails, you can inspect the error to see if it is due to the issuer telling us there were insufficient funds available.
https://stripe.com/docs/payments/place-a-hold-on-a-payment-method