#milan_90064
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- milan_90064, 19 hours ago, 10 messages
chrome pumice
Hello
To be clear, you are looking to cancel ACH payments that have already been initiated?
spark sinew
Yes. Cancel an ACH that was created the same day but hasn't funded yet. And be able to cancel a card capture same day that hasn't funded yet. I've done this before on other PayFac platforms. The use case is that a customer makes a purchase but decides within minutes or hours that they made a mistake and they want to cancel the purchase. We give the merchant the ability to void the transaction without a charge to the payer or merchant.
Actually, all gateways I've integrated with support this, but I'm not sure how to do this on Stripe.
chrome pumice
Gotcha, there isn't really a reliable way to do this on Stripe for ACH. How it works is that to "cancel" you refund the charge, but it will only cancel if the actual attempt hasn't been submitted to the network yet. The timing of this varies so there is no guarantee here.
With Card you can use manual capture so that you can cancel the authorization if you want to before capturing
spark sinew
Right. So the cancel should work on ACH so long as it hasn't been sent to the banks, etc yet?
And I understand we can cancel an authorization, but are you saying there isn't a way to cancel a capture?
chrome pumice
Right. So the cancel should work on ACH so long as it hasn't been sent to the banks, etc yet?
Correct, but you still use the refund endpoint to do so.
And I understand we can cancel an authorization, but are you saying there isn't a way to cancel a capture?
Correct
spark sinew
Ok. Thank you.
I have a question about ACH returns. Should I put that in a separate thread since it's unrelated? I love this Discord by the way (new user). It's super helpful.
chrome pumice
You can ask it here
spark sinew
Ok. So let's say we run an ACH transaction and it later bounces. If it fails before the payout, we'll get a ChargeFailed event. That's simple enough since the money hasn't moved. However, if the transaction fails after a payout and we get the ChargeFailed event, will the transaction also show up in a later Payout? That way, we get a Payout.Created event and we ask for all balance transactions in the payout and that debit transaction (reversal) will be there?
spark sinew
Oh. For both cases even if it hasn't funded yet? And both times those balance transactions will be in upcoming payouts?
chrome pumice
When you say "hasn't funded yet" you mean the PaymentIntent hasn't moved to "succeeded" (the funds haven't settled), correct?
spark sinew
Right.
Or at least it hasn't shown up in a Payout.
Which could be separate things. I just mean the merchant hasn't received those funds.
chrome pumice
Yes, regardless of whether it is paid out or not, there will be a balance transaction created.
Basically anything that affects your balance has a balance transaction that represents that change
If those things happen at different times, even related to the same object, then there are multiple balance transactions
spark sinew
Ok. Thank you.
Actually...sorry...
The balance transaction concept makes sense. In the case where the original transaction wasn't included in a payout yet, would the balance transaction for the returned ACH show up in a payout?
Maybe it's the case that balance transactions always show up in a payout?
spark sinew
Yep - automatic
chrome pumice
Then all the balance transactions that make up that payout will be associated
spark sinew
Ok. Thank you. I really appreciate the help!
chrome pumice
Happy to help
spark sinew
On the topic of an ACH return or a chargeback with destination charges, will Stripe automatically pull funds from the merchant for each of these or does Stripe pull from the platform? And what of the destination charges? Does Stripe pull the full amount from the merchant or proportional amounts from the merchant and platform to account for partial chargebacks?