#jayswebay-areahello_place-a-hold-on-pm

1 messages ¡ Page 1 of 1 (latest)

glossy reefBOT
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median yoke
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Hey! My development team is trying to implement a pre-authorization for credit cards of $5 transaction amount to see if they have sufficient fund or not

This is the goal:
It's similar to a credit card charge that holds the funds but then releases after a certain period, i.e. 5 days. If we can do that when someones signs-ups for the trial it will protect us from having users sign-up with cards that have no funds.

and here is my understanding:

setupIntent may do some pre-auth, but not guaranteed nor configurable
paymentIntent can be used, but we need to have a pending transaction show up in user's credit card balance then we release it later

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Please let me know if my question makes sense, or if you'd like additional context!

worldly dome
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Hi there,
I think I understand what you mean.
SetupIntent create an auth if the card is valid. Meaning if it exists etc. But it does not check if it has necessary funds for a purchase. With SetupIntents you also can't use amounts lik $1 or $5 or anything for a pre auth.
The best way is actually the flow we outlined in our docs here: https://docs.stripe.com/payments/place-a-hold-on-a-payment-method

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With that you can put a hold on the customers card (which most likely will be visible for the time of the hold)

median yoke
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Hey, thank you - so I have a couple of questions

  1. is paymentIntent the only way for us to pre-authorize to check for a sufficient fund in the payment method?
  2. would it always show as pending transaction on the customer's card? What if we have released it after 1 minute, would it be automatically be removed from their account usually?
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I had also looked into solutions like Stripe Radar, but it doesn't seem to do a pre-authorization to check if the card has a sufficient amount of funds or not

worldly dome
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To your first question: technically you can use SetupIntent for pre-auth as I mentioned, but it won't really work for your use case. So basically yes. Payment Intent is the best way for you.

Second question: It would show as pending as soon as the bank/issuer processed the Payment Intent. Even if you delete the Payment Intent, it would take until the bank/issuer processed the Payment Intent deletion until the hold disappears from the customers statement. That part of the flow would not be in the hands of Stripe though.