#sahil_card-verification
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- sahil_best-practices, 20 hours ago, 25 messages
- sahil_api, 6 days ago, 23 messages
gray root
You shouldn't charge a $1 to just verify the card. If using Billing Portal Sessions, then SetupIntents should already be in use for setting up the card
teal swan
Yes I was informed that there is a verification done from Stripe when a card is added
But we still would like to do this to verify if users have the least balance in their account and are really willing to pay. The amount should be refunded immediately
Does that make sense in terms of adding an extra level of trust?
gray root
I can't advise you do that honestly
Not familiar with card network regulations, but charging and refunding immediately isn't a great pattern
Not sure if that's allowed or not honestly
Also account balances change. Even if you charge them $1 now, their account may not have that amount later
teal swan
I understand
Also account balances change. Even if you charge them $1 now, their account may not have that amount later
gray root
I just don't think adding this step provides much of a benefit
teal swan
While reading docs, I came across this - https://docs.stripe.com/payments/acss-debit
Is this a different thing altogether?
gray root
That's how you can accept payment from Canadian customers' bank accounts
teal swan
ok
I think the other thing is that sometimes, people disable international payments. Does the Stripe verification you mention checks this as well?
For example, I with an Indian Debit/Credit can disable international payments
gray root
Hm good question. I'm not sure offhand. Let me check
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teal swan
okay
tepid valve
sahil_card-verification
We don't really have any control over this sorry. We try to authorize the card to make sure it's valid and then it's up to the bank to say yes/no
teal swan
okay. Thanks for the information.
Can I summarize that Stripe doesn't natively offer a flow where we can authorize cards by small payment and a refund?
I am asking again because I've seen this on lot of products while signing up, so I was assuming this to be a trivial feature.
tepid valve
You are not supposed to just make a card authorization to check it's valid. It's forbidden by issuers. So that's correct
teal swan
okay. Thanks for all the information.