#onkel_api

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night groveBOT
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rigid yewBOT
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rose tiger
hard scroll
rose tiger
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Confirmation is generally the payment 'attempt' which will create an auth/charge with the card and handle 3DS/auth is requested by the bank

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The capture process is if you're capturing the hold placed on the card later, post-confirmation

hard scroll
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I Denmark, shops arent allowed to withdraw money from the customers bank accounts, before we fullfill the order.
I our scenario its like "click and collect", so the store owner will manually click a "Delivered" button in our app.

rose tiger
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Concept of capturing is not relevant for a lot of merchants, it's kind of common in lodging etc (think a hotel when you check-in – they place a hold on you card and then bill you when you check out)

rose tiger
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i.e. the customer authorises you to save their card on checkout, and you can initiate a transaction for the amount when the order is delivered

hard scroll
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But isnt it normal practice in EU too first withdraw the money from the customer, when you either ship the products or hand them out in the store?

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i thought it would be supported by the "normal" flow

rose tiger
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I don't know what you're asking me tbh

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Both flows are possible with Stripe, and they utilise the same concepts/APIs you'd just pass differing parameters and may need to make additional requests

hard scroll
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Sorry, if I'm unclear. The terminology is new for me.
What i''m asking is whats the last step called, where you tell Stripe that we gave the customer his/hers products? 🙂

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e.g. this payment

rose tiger
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You'd jsut create an 'off-session' (MIT) Payment Intent with the previously saved card details. It'll probably look something like this:

  1. Customer in your checkout flow has an order for €100
  2. You save their card on checkout with the intention of charging them later (on delivery). This is done via a Setup Intent: https://docs.stripe.com/payments/save-and-reuse
  3. Order is shipped/fulfiled, you have logic that then creates an off-session Payment Intent using the card saved in step 2 for the €100: https://docs.stripe.com/payments/save-and-reuse?platform=web&ui=elements#charge-saved-payment-method
night groveBOT
hard scroll
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Ok! I will look into that. I thought the "SetupIntent" was for subscriptions and saving creditcard info for easy checkout for next purchase 🙂

rose tiger
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It's used to facilitate the saving/setting up of cards with the intention of them being used for MIT (merchant initiated transactions). As long as you're verbose with customers about that usage and they agree to it, then it's fine for your use case

rose tiger
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The 'capture' was done at confirmation time in the case of that payment

hard scroll
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I thought you created at PaymentIntent and then there would be and Api call to finalized the payment and withdraw the money, when the orders is fullfilled

quaint rose
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if EU countries have rules that prohibit withdrawing money before the order is fullfilled
I'm not aware what rule you're referring to here.
would be and Api call to finalized the payment and withdraw the money, when the orders is fullfilled
you can do that, it's an optional way to integrate(authorise a payment (same way hotels etc hold funds on your card) and capture it later); if you want.

hard scroll
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But you need to do the Capture before 7 days, right?

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what happens if you have a longer delivery period?

quaint rose
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it's 7 days for most businesses yes

what happens if you have a longer delivery period?
you decide what's appropriate. For example you can attempt to charge the saved card again(the 3 steps my colleague previously explained).

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you can also charge upfront and then just refund if for whatever reason you can't fulfill the order, there are many possible ways of building these flows

hard scroll
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Okay. I will have to discuss with my team. We thought the periode from authorize and capture was longer 🙂