Francesco-capture

[grave condor]

@still frigate hi! no, not really. When you attempt to charge the card/authorise the payment for future capture(same thing) that charge needs to not decline. If it's a debit card with no balance the customer's bank will probably decline it (unless maybe the customer has an overdraft or something, but this is all out of scope as just the merchant!)

[still frigate]

Hi @grave condor. Thank you for you answer 🙂 We sell preordered products (F.E. Fifa 22 for PS5). User buy the game today and I need to tell to Stripe to require the permission to get the money in the future (the day that the game will be send to the user). We need to get this permission for user with debit card with 0 money inside because an user can transfer the money tomorrow, for example. How can I do it?

[grave condor]

@still frigate well to me it's the same as the customer trying to buy something they don't have money for — as the merchant you can just tell them, sorry, come back when you've added the money!

if you require payment up-front for the pre-order then the customer needs to have that money available. Alternatively, your system can create the order and save their card details (https://stripe.com/docs/payments/save-and-reuse) and then you can try and charge them at a later date(though you have some risk the payment never succeeds so you need to consider that from a business perspective).