#benji-gao_docs

1 messages ¡ Page 1 of 1 (latest)

plain tokenBOT
#

👋 Welcome to your new thread!

⏲️ We'll be here soon! Typically we respond in a few minutes, but sometimes we might take a bit longer if the server is busy or if you have a particularly tricky question.

⏱️ We close idle threads, which makes them read-only. Once a thread is closed it won't be reopened, but you can always start a new thread if you have another question.

🔗 This thread will always be available, even after it's closed. You can find it again using Discord's search, or you can save this link: https://discord.com/channels/841573134531821608/1305635998629363786

📝 Have more to share? Add more details, code, screenshots, videos, etc. below.

tardy knoll
#

By using SetupIntents, Stripe handles the necessary compliance issues for you so you can start charing the card in the future. We talk to the bank and ensure that the card is valid when you use SetupIntent.

candid turret
#

Hi, thank you for the response! So to confirm, setup intents handles validating a card internally to see if a card has sufficient balance? How does it do this?

#

And when you it is prohibited to charge a small amount then refund it, why is this the case? Do you have any links from where it says this is prohibited? Because I thought this is quite standard for card validation, since it's also mentioned on your docs (link):

image.png
tardy knoll
#

I think it's in your Terms of Agreement. I do not have the section at hand.

#

This integration allows you to place a hold on the customer's cand, and the bank holds that amount for you.

#

Within 7 days typically, you need to capture the funds to charge the customer.

#

There is no charge, rather an authorization taking place here

candid turret
#

I see, thank you

candid turret
tardy knoll
#

Not the balance as there is no amount at that point to see if there is a sufficient balance.

candid turret
#

I see, is there any way of validating if a card has sufficient balance without charging it?

tardy knoll
candid turret
#

I see, and am I allowed to place a hold on a payment method for the sole purpose of seeing if it has sufficient balance? So I have no intentions of capturing the reserved funds and will either let it expire or cancel it. And this would be done every time a card is registered in my company

tardy knoll
#

I would not recommend that. If you have no intention of charing them soon, why would you want to know the balance?

#

They can make another purchase somewhere else and deplete that balance right away

candid turret
#

I would want to know if a card have sufficient balance so that I would know it's a valid card and not a card that is a prepaid card with no money in it for example, or a debit card at its limit, so in that case, we wouldn't give them free credits

#

Obviously I can't prevent all the cases, such as making purchases and depleting the balance, but having sufficient balance when a customer signs up their card is a good enough check

#

Because we've had cases where customers signs up a card, gets free credits, then when we go to charge them after their credits run out, the payment charges from those cards were either blocked due to Fraud from Stripe Radar, or insufficient funds

tardy knoll
#

There is not a way to do this other than placing a hold on the account to guarantee the funds.

candid turret
#

I see, okay, thank you

tardy knoll
#

Sure!