#martin_98625

1 messages · Page 1 of 1 (latest)

sour mulchBOT
primal moth
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HI 👋

No, creating a payment method with a Setup Intent with perform an auth check either when you first create it (if you create the Setup Intent with a Customer) or when you attach the PM to a Customer.

wheat quarry
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the payment method and the setup intent are attached to the customer

primal moth
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I mean, you could always do exactly what you described but it's against our rules and card networks are likely to decline your transactions

wheat quarry
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the thing is that we're collecting the payment method to be charged after a 7 days trial period

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but we're getting a bunch of failed payments after those 7 days

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so we want to be able to genereate this micro payment to validate the payment method before we let them in

primal moth
wheat quarry
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but that's for payment intents no?

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not for setup intents

primal moth
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Yes but in this case you would create the PM using the Payment Intent

wheat quarry
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so the charge won't happen you say?

primal moth
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This is how it works

wheat quarry
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because we tried using payment intents before (without the pre authorization thing) and it was charging the customer right away

primal moth
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This doc explains how you configure that not to happen but let me break it down

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  1. You create the Payment Intent for the full amount you plan to charge
wheat quarry
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also, consider that we have a recurrent subscription going on in there

primal moth
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Oh

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So is this for a subscription?

wheat quarry
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yep

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so we have a subscription, that we give a 7 day free trial

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but we want to collect the payment method before we give the 7 day free trial

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the thing is that stripe is collecting it fine, but 7 days after payments start to fail. We want to detect those failures early, not when the trial ends

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setup intent is only detecting invalid cards, but not insufficient funds or payments declined by banks

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which is only detected when the charge is actually happening 7 days after the trial ends

primal moth
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Unfortunately you cannot do a pre-authorization using Subscriptions.

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If you wanted to collect payment up front and then add in a trial period, you could do that using Susbcription Schedules

wheat quarry
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when you say collect the payment up front, you mean collect it and validate that the payment method has sufficient funds?

primal moth
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I mean actually collect the payment

wheat quarry
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ya, but we're doing that already with setup intents

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and the payment element

primal moth
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No

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I mean collect the funds, not the payment method

wheat quarry
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ah

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so how does that work?

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subscription schedules

primal moth
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But the whole idea is that you can schedule changes to your subscription by creating a set of phases.

wheat quarry
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so how would the whole flow look like?

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if we want to do what I described above

primal moth
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Let me test something out to confirm

wheat quarry
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see the text there

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that's exactly what we want to do

primal moth
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But that would be up to you to build

wheat quarry
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so what if... instead of using a setup intent, we use a payment intent with a charge of 1 usd

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wouldn't that suffice?

primal moth
wheat quarry
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but we can't charge less than 1 usd right?

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I see the minimum is 0.5 USD

primal moth
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Correct .5 USD is the smallest amount you can charge

wheat quarry
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so recapping, we could, instead of using a setup intent:

  1. use a payment intent to charge 0.5 usd
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  1. collect the payment method
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is this correct?

primal moth
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Correct

wheat quarry
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does stripe charges us for that refund?

primal moth
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Stripe will charge a fee on the payment and you won't get it back on the refund but there won't be an additional fee for the refund

wheat quarry
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do you know what that fee is?

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so that we can make numbers

primal moth
wheat quarry
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cool! thank you!