#0xfiro_api

1 messages · Page 1 of 1 (latest)

last sleetBOT
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grave socketBOT
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young wharf
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return $this->stripeClient->setupIntents->create([
// 'amount' => $price * 100,
'customer' => $customer->stripe_customer_id,
// 'capture_method' => 'manual',
'payment_method_types' => ['bancontact', 'card', 'ideal', 'paypal', 'sepa_debit'],
]);

This code below doesnt work
return $this->stripeClient->setupIntents->create([
// 'amount' => $price * 100,
'customer' => $customer->stripe_customer_id,
// 'capture_method' => 'manual',
'payment_method_types' => ['bancontact', 'card', 'ideal', 'paypal', 'sepa_debit', 'klarna'],
]);e

grave socketBOT
regal pendant
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Unfortunately Klarna and other BNPL payment methods do not support being saved for later usage.

young wharf
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Oh

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So no workaround ?

regal pendant
young wharf
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Our problem is that we want to use destination charges because right now we are doing separate charge and transfer ... but with this flow we can't set the application fee and we have to use the other function transfer_data

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Destination charges does only work if we have setupIntent because we need the confirmation by client that we can charge him on his saved pm ...

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right now we are doing a authorization if someone is buying something and capturing the amount later when we received the goods from seller and send it to the buyer

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One support told us that it is not good because credit card auth is just valid for 7 days and extension of this auth is only possible with IC+

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but we dont have IC+

regal pendant
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With separate charges and transfers, you don't set an application fee because the idea is that you keep the money that is not sent away. If you charge $10 and send $8 to your connected account, then your fee is $2.
You can definitely do a destination charge without a saved payment method. You would just create the intent and then let the user confirm it client side

young wharf
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But if I do wihtout saved payment method then I need authorization by customer , right ?
In our case buyer will auth the payment and if someone accept his bid then he will get captured

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and the problem is that it can happen that capturing happens after 21 days

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and this is only supported by klara and paypal ...

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but credit card it is only up to 7 days

regal pendant
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In that case, the way to do that would be to create the payment intent, set the klarna capture method to manual, have the buyer confirm the payment intent client-side, and capture the funds as appropriate later

young wharf
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and for the other payment methods we are using the setupIntent where user will authorize his saved payment method ?

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So we can capture anytime but klarna will be done in another flow ?

regal pendant
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With setupintents, no funds are initially captured. If you want to hold funds upfront, it is possible to create the payment intent for all of them and consolodate this to one flow. You can actually set setup_future_usage per payment method via the payment_method_options parameter.

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But if you don't want to initially hold funds and you just want to save a payment method, you would need the two separate flows for this.

young wharf
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When creating a payment intent with destination charge, you must specify the seller, after which it will be impossible to add. This was the main problem

regal pendant
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Gotcha, so the process is that the buyer sets up a payment, up to 21 days later someone can accept that bid, at which point you want to fully capture the funds and send them to the seller?

young wharf
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right .. so we have buyer and seller , both are private and we are the marketplace and ensure that the good is as described and the payment is not a fraud ... so we secure both parties

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now ... we have a buyer who sets up a payment and authorize the amount , let's say 400$ for a phone ... now we have his authorization to deduct this amount anytime ( max. 28 days )

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now bid is active

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10 days later a seller sells his phone to the bid

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now we have a match ... means tx is created and seller sends his phone to us

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we verify that everything is fine and approve the order which triggers capturing

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seller received money - fees and buyer will get phone which we will ship to him

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Flow is similar to renting a car .. you authorize an amount ... but he is not capturing ... just in case if a car is damaged then he can capture the amount he needs to cover the damage

regal pendant
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Gotcha, unfortunately I don't think we have a good solution here with our current offerings. As you noted, most payment methods do not support capturing funds after longer than 7 days, so we don't have a way to allow you to hold those funds like this. I have heard of some merchants re-authorizing funds every seven days but unfortunately some banks don't release held funds immediately so that can sometimes result in more of the customer's funds being held than expected.
If PayPal and Klarna are the only two payment methods that can hold funds for this long, then you could achieve the flow that you mentioned by making a PaymentIntent with both of those payment methods present, but with setup_future_usage only set up for PayPal.

young wharf
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As far as I have read klarna can do up to 28 days and paypal can do 30 days ... but credit card only possible with extended authorization ( but anyhow you need IC+ ... not sure how we can get this )

So there is not a good solution instead using those two payment methods ?

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But my mentioned flow will not work with PaymentIntent because when buyer does a bid we still dont know the seller ... means we cannot create the object

regal pendant
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Oh sorry, I meant to say you could still do this with separate charges and transfers. That would be the only one that would let you use both of those payment methods easily here.

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There are solutions but they have caveats. As mentioned, some try to get around this with multiple authorizations but that has that potential temporary issue for the user. I've also heard of users just saving payment methods and taking the risk that the charge would decline when it is eventually charged. But yes, unfortunately there isn't anything that lets you easily hold funds for longer than 7 days with no side effects here.

young wharf
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Okay , but why can't we use credit cards ? I mean what is this IC+ thing ? Can't we get it anyhow ?

regal pendant
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These restrictions come from the credit card networks. They only support extended authorization for specific merchant categories, mostly ones that are related to travel. So even with IC+ you would only be able to do extended auth on Mastercard https://docs.stripe.com/terminal/features/extended-authorizations#authorization-validity
IC+ is a different fee structure. You can talk to our support team about IC+
https://support.stripe.com/?contact=true
https://support.stripe.com/questions/understanding-ic-fees

Stripe: Help & Support

Find help and support for Stripe. Our support site provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

Understanding IC+ Fees : Stripe: Help & Support

Find help and support for Stripe. Our support site provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

Extended authorizations

Capture a confirmed Stripe Terminal payment later.

young wharf
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does it mean he can deposit 10€ and later we can deduct 90€ so in total 100€ is captured after x days ?

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but maybe we take the risk that it gets declined

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right ?

regal pendant
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Yeah that is totally possible

young wharf
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but I think a deposit is needed as I read correctly here

last sleetBOT
regal pendant
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Yes, you would take 10€ upfront while saving the payment method and could charge the rest at a later date

young wharf
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sounds like a solution ... we just have to communicate it with buyer .. but sounds good