#abeng_best-practices
jaunty coveBOT
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marble hamlet
👋 Hi there! No, there isn't a way to do this
modern loom
that’s unfortunate, what are the alternatives to this? or is it something that goes against Stripe?
marble hamlet
It's just not something that's possible without making a real charge. The card issuing bank decides at the time whether to approve or decline the payment. There's not a way of checking whether a card is still active
Is there a reason why you can't just attempt the charge on the card?
modern loom
Usually we only charge when there’s a breach in their contract. So if we attempt a charge and find out the card is invalid and then the business is ignoring us then it causes more problems. So management wanted us to check these idle cards routinely to ensure that when it happens we are able to charge them. 😅
Is it not possible to readd the existing cards? cause it seems like it checks validity when saving the card for future use
marble hamlet
Yeah, that's not possible since you'd need the customer to enter their card number in order to set up the card again
The customer has to be present to enter the card number, and go through any authentication steps, depending on their bank
And, as the support article mentions, this just checks that the card details are likely valid — not necessarily that you'll be able to successfully charge it
modern loom
I see. So the only realistic way is to charge these cards right? is it possible to do like a zero dollar charge?
marble hamlet
No, there's a minimum charge value: https://docs.stripe.com/currencies#minimum-and-maximum-charge-amounts
jaunty coveBOT
modern loom
Thanks! Question: Will our account get flagged if we do these charges with consent from the business?
half topaz
Hello
Generally we recommend using SetupIntent to validate and save the cards. Charging the card and refunding it later would cause high refund rate on your account.
modern loom
I see, so it’s best to ask the user to re-enter the card details then in order to use the setupintent?
half topaz
correct
modern loom
Great! thanks we can close this now ☺️