#escanor_interac-manualcapturefail

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small mangoBOT
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lucid crystalBOT
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sudden spindle
lucid crystalBOT
sudden spindle
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I'm following this guide for testing the terminal implementation. It works fine with a normal credit card, but if I provide an Interac credit card, the amount is captured automatically. Now I just say this info that says Interac transactions are authorized and captured automatically and I wanted to validate this if possible.

sullen junco
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damn I'm so sorry this feels like such a bad bug that you ask for manual capture and we ignore it and just capture anyways.

sudden spindle
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Well it says in the doc that this is what it's supposed to do though in the second link I gave

sullen junco
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sorry that first link goes nowhere for me so I don't really know what you are asking anymore

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Yesterday I told you manual capture works and I was wrong, that's my bad, I didn't know (and I am yelling a bit internally because the docs should be better and the API should also be better).

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escanor_interac-manualcapturefail

sudden spindle
lucid crystalBOT
sudden spindle
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It's fine though mistakes happen, I just want to get to the end of this because it'll have impacts on what we'll be offering for our product if we can't accept Interac manual capture since Interac is the majority of the payments for our clients and we need to be able to capture the amounts later since we want to first make sure the customer has enough money to pay and second we want to charge a bit more and charge only the necessary amount afterwards in case he decides to buy more

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Again as a reference, I tried yesterday again and I can pay with my debit Interac card without contact at the gas station without selecting an amount and afterwards I'm only charged the amount for which I put in gaz.

I know they're probably not using Stripe, just wanted to give more details since I know it's somehow possible to do it at least 🤷‍♂️

sullen junco
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I had no idea (sorry) and I am asking the teams internally to fix both the docs and the API (the API should have errored)

sudden spindle
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Yeah that's what I linked and saw after trying it 😦

fringe widget
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Hello, catching up. To be clear are you asking if Interac manual capture would work with the flow in that doc? My understanding is that this is a limitation on the payment method itself so other flows would have the same restriction.

sullen junco
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yes

sudden spindle
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Well more or less yeah that's my question. I can't use it since I don't have beta access yet, but it's using collect_payment_method instead of process_payment_intent and then you have to manually confirm with confirm_payment_intent so I was wondering if maybe that could work for my needs..

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Basically, we're about to open a field for waste disposal and we want to validate that our customers have enough money to be charged for before they dump their waste at the appropriate area and then at the exit we charge them. We'd charge a bit more than for what they need in case they need something else and then capture the appropriate amount at the exit.

If we can't do this it's a pain because well the person would have to pickup all of its waste again and put it back in his container if he can't pay (unfortunately happens too often).

It works fine with credit cards though, but Interac is the majority of payments where we live and from our data over the last years

fringe widget
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Unfortunately that is not what that flow does. collect_payment_method just gives you a PaymentMethod object, it is typically use to check card brand or other info specifically about the payment method.
So unfortunately it looks like we don't support manual capture through Interac here. I apologize that we were confused yesterday and that our docs did not call this out properly, but that is where our capabilities are at the moment.

sudden spindle
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I understand. Are you aware if there's any intention of implementing this in the near future?

As I pointed out in my example earlier for the gas station, it's possible with Interac to have "pre-authorization" and actually charging the amount later, though they're not using Stripe from what I can see 😅

It could change a lot for us since Interac is the most widely used payment method type and somehow many of our customers do not have credit cards which would lock away a big part of our clientele.

fringe widget
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I do not immediately know but I will ask my colleagues and get back to you.

sudden spindle
fringe widget
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So it turns out that Interac only supports separate auth and capture for automated fuel dispensers. We don't currently support use cases where terminals are left alone, so that is not on the roadmap for our current terminal offerings

sudden spindle
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Oh I see. Is there some documentation somewhere for this in case there are changes with that?

fringe widget
sudden spindle
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Well no I meant with Interac that only supports automated fuel dispensers.

Also, what are my other alternatives? Like charging directly the interac card and refunding afterwards?

fringe widget
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Yeah that would be one option. Another option would be setting up the card and not charging at all until afterwards. And one thing to keep in mind is that depending on your fee schedule, refunds can have fees asosciated with them (on top of the Stripe fee not being returned when you make a refund) https://support.stripe.com/questions/understanding-fees-for-refunded-payments
You can talk to our support team about what a refund would look like fee-wise in this scenario for your account.

sudden spindle
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Yeah I know that's why the manual capture was so interesting for the smaller fees

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Another option would be setting up the card and not charging at all until afterwards
Isn't that pretty much just confirming the card that it's valid but I still wouldn't know for example if he has 1000$ available to be charged?

fringe widget
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Correct, again many drawbacks compared to manual capture but I wanted to list it for completeness

sudden spindle
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Gotcha, I appreciate it 🙂 Well okay thanks a lot to both of you for the help 🙏

Have a great day!