#DarthMorice - marketplace
cold quarry
ember palm
hi thanks, let me put the rest of my message here
At the time of the checkout, we would then only save the payment method to the customer account in stripe.
After that, each vendor will need to confirm independently that the product is still available. If the vendor confirms, we will then do a preauthorization on the saved payment method for the amount of this specific order + plus the fees.
This charge would be applied on the main stripe account of the platform, and not on the vendor’s connected account.
Once the exchange between the vendor and the buyer is confirmed, the preauthorization would then be completed.
The payout to the vendor would then be managed by our platform based on this documentation:
https://stripe.com/docs/connect/collect-then-transfer-guide
For each order, we would transfer back the amount of the order to the vendor connected account (Connect Express) minus the platform fees.
I would really appreciate some help in validating the approach we can use for this scenario. I have to mention that this project is in France, so we would like to know if there might be regional limitations.
Thanks in advance for the help
Olivier Morency
honest shoal
I think that that all sounds possible with our APIs.
If you are making the charge to your platform, you only need to collect the credit card info once, and save it on a Customer on your platform's account.
Actually, now that I am looking in to it. The charges for different items on the same order might get tricky. You will likely want to create one hold per merchant that is on the order and then capture the funds as each transaction is confirmed. https://stripe.com/docs/payments/capture-later
And then you can transfer the money minus your fees to each merchant as your guide shows.
ember palm
Yes that is what we intend to do. At checkout the buyer will see that he is in fact making seperate orders.
It is important to us that they are charged separately, and create separate hold, because we don't want the vendor to have to wait for an other transaction that does not concern him to get his money
And we also want to avoid having a hold on the card that expires for an order having an impact for another order that could have gone correctly.
I would have one more question. In the documentation it says "Set off_session to true to indicate that the customer is not in your checkout flow during this payment attempt—this causes the PaymentIntent to throw an error if authentication is required."
What would be the limitations for "off_session" payment?
Would that prevent us from using payment method that uses 3DS?
honest shoal
That actually brings up a good point that I meant to touch on: holds on funds only last 7 days. There are workarounds if you need more time than that to confirm whether you should hold the funds, but that is definitely something to keep in mind.
ember palm
Yes we know about that, That is why we only make the hold for an order once the vendor has confirmed that he is ready to make the exchange.
honest shoal
You can still successfully take off session payments when a card requires 3DS auth
Can you link to that guide? It should include info about how to bring the user back on session to complete their 3DS auth
ember palm
For the "off_session" I took it from here : https://stripe.com/docs/payments/save-and-reuse
So it means that if we do off_session payment we will need sometimes to send the user an authentication link to be able to conclude the transaction?
honest shoal
Yes, we have more of a guide on how to do that here https://stripe.com/docs/payments/3d-secure#when-to-use-3d-secure
Thank you for the link. How to react to that kind of error should probably be more explicit in that guide
ember palm
@honest shoal Thank you very much for your time. You have been very helpful to me.