martin_98625

[lost hamlet]

Hello! If you pass in the ID of the payment_intent to the Refund API (https://stripe.com/docs/api/refunds/create#create_refund-payment_intent) that'll refund the underlying captured charge

[desert heath]

so instead of passing a a charge_id

I have to pass a payment_intent id?

[lost hamlet]

yup!

[desert heath]

like this?

Stripe::Refund.create({
  payment_intent: 'pi_3O0qEBHjwUyPPYQc03Q7nBfO',
})

[lost hamlet]

Yup!

[desert heath]

thanks!

[desert heath]

another question, now that you're on it... is there a way to show a specific text in the payment element ? something like:
"To authorize the card, a small amount will be charged and immediately refunded."

[median raptor]

You can't do that

That's a breach of our TOS

Creating a charge and then refunding as a form of authentication

[desert heath]

mmh I asked recently and some other stripe guy said it was fine

see: #1162140577517809705 message

and... #1162140577517809705 message

we need to do this that canva does:

[median raptor]

I don't think we allow that

Let me confirm with a collegaue

[desert heath]

what we want to mitigate are the "insufficient_funds" errors we're getting which are quite a lot

we're seeing a bunch of users with prepaid cards with no funds getting our 7 day free trial using our services and then closing the account

[median raptor]

That doesn't solve for insufficient funds errors though

What if the account has only $2?

It would still pass your 0.50 charge

[desert heath]

ya, I purposely said "mitigate"

not solve

[median raptor]

Checking with colleagues, but I don't think this is a good idea

Especially to have a really high refund rate on your account

Can be a fraud signal

[desert heath]

ok, I'll await

[median raptor]

I've been advised to not provide further input since we just help with api questions in here. We officially recommend you use setupintents: https://support.stripe.com/questions/check-if-a-card-is-valid-without-a-charge

[desert heath]

we're using setup intents... and we're having this issue I'm mentioning

[median raptor]

If your curious about whether or not having that high of a refund rate would have consequences, you should talk to support: https://support.stripe.com/contact

Yeah insuficient funds is an issue that's hard to mitigate

I don't know how much charging 0.50 and refunding will even help with that

But like I said, recommend chatting with support if you want info on potential consequences of doing that. We're not really sure in here

[desert heath]

is there a way to not allow debit/prepaid cards?

and only allow credit?

[median raptor]

Yeah you could use Radar to just block them: https://stripe.com/docs/radar/rules

[desert heath]

would we get a descriptive error on our end that we can show to the customer?

will this block setup intents as well?

we need to increase our odds of getting a successful payment in 7 days before we let users trial our app. And we're having a hard time with setup intents which seem to have very lax rules in this regard

[median raptor]

Not sure offhand what the error message will be. You can enable radar for setupintents as well in your settings if you like: https://support.stripe.com/questions/radar-for-setup-intents

[desert heath]

so this is what stripe support answered regarding authorization payments

[median raptor]

Gotcha

I still recommend setupintents, but I guess it's up to you then

[desert heath]

yes, as I mentioned, we're already using setup intents

but we have this issue we want to mitigate somehow

[median raptor]

I'm aware

Like I said. The charge refund rate probably won't help much but up to you

insufficient_funds is very difficult to solve for

[desert heath]

we can test it out and see

if it doesn't we kill it

[median raptor]

You have no idea how much money an account actually has until you attempt to charge it. Balances change all the time

If prepaid cards are the issue, then radar would likely be more effective