#0xfiro_api

1 messages ¡ Page 1 of 1 (latest)

quiet glenBOT
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sinful waspBOT
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wooden summit
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Hey here is my use case

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
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. 30 days ).
Now the bid is active and 10 days later a seller sells his phone to the bid
In that time we have a match ... means tx is created and seller sends his phone to us
we verify that everything is fine and approve the order which triggers capturing and seller receives the money - fees and buyer will get phone which he bought from seller and get shipped by us.

Flow is similar to renting a car or hotel .. 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

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We wanted to use destination charges , but not possible because seller is unknown at the time when buyer place a bid.

Now we have to use seperate charges and transfer. Here I want to ask if we have only two options:

  1. Use PaymentIntent in order to save payment method and make a security deposit of x amount and capture the remaining amount once bid is accepted.

  2. Use auth for klarna, paypal and credit card (extended auth) and if bid is accepted (20 days later) then capture the amount

Am I right ? I already talked with 2 support here but both had different approach and gave me different information

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I just need to be sure how I can implement in the best way in order to avoid further redevelopment of the flow

queen crown
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Hi, thanks for the context, and I believe Separate Charges and Transfer is the correct path forward. About the 2 options there, I am not sure what do you mean in 1. (Do you mean SetupIntent or just a normal Auth and Capture PaymentIntent?)

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Credit Card specifically only allow auth for 7 days before capturing

wooden summit
queen crown
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Let's talk about 1. I think you might misunderstand it, but there is no such thing as "recapture". The flow in the Doc is simply Confirm a PaymentIntent and saved the PaymentMethod for charge later on. However, only the amount in the first transaction would be guaranteed

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Anyway, there is only 1 Capture timing

wooden summit
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Okay , but why does it say .. use the pacmentIntent API for several use cases:
Charge a deposit and store the details to charge the full amount later.

queen crown
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Well that's the scenario. Like you charged 5$, save the card, then come back and charge $45 more later. But at the later time authentication result could be different. (over limit, general declines etc...)

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It's basically save a card and initial multiple different transactions

wooden summit
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yeah but funds are not guaranteed , right ?
So I would use setup_future_usage with off_session

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in order to do this flow but it is risky for us

queen crown
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The Doc in 1 is similar to SetupIntent, where you charge $0 in front and charge the full amount later

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And both doesn't have the full amount guaranteed, yes

wooden summit
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But I can capture the remaining amount after 28 days for example, right ? So I would not have these kind of issues as I have in point 2 which we can discuss

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And SteupIntent is not interesting for us since klarna is not supporting it

queen crown
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I am not sure about 2. The extended auth is only available for Terminal. Are you using Terminal?

wooden summit
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No

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Oh I missed this terminal thing

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Means the only way is point 1 ?
Use paymentIntent in order to capture an amount and then the remaining amount ?

queen crown
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Yeah I think so

sinful waspBOT
wooden summit
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or is this not related to stripe connect ?

paper kite
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it can apply to Connect and to not Connect it's not specifically related

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anyway it's only possible for certain business types so it might not apply to you so usually the better solution is to save the card and charge it later as described above

wooden summit
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Okay , ty.

wooden summit
paper kite
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SetupIntent or a PaymentIntent with setup_future_usage yes