#huguesbert17 - Multiple Holds
exotic hound
Hello! You can't create multiple holds on funds and then confirm them all with a single Payment Intent. You would need to create separate Payment Intents for each separate hold.
void kite
Thank you, for 3D secure cards, the customer must confirm the transaction?
exotic hound
If 3D Secure is required by the card issuer for that specific transaction, yes. That would happen at the time the hold is placed.
When the Payment Intent is confirmed.
void kite
Thank you, for 3D secure cards, the customer must confirm the transaction?
Is there a way to know if 3D Secure is required during a transaction, so I would capture the entire fund without placing a hold for these types of cards.
exotic hound
You would only know at confirm time. The decision to require 3D Secure is made by the card issuer on a per-transaction basis. You can't know ahead of time.
That said, let's back up a bit. I think there might be some confusion over how this works. Can you describe your ideal funds flow and timing with an example scenario? Then I can provide you with specific recommendations for implementing it with Stripe.
void kite
Imagine you get on my system and you buy 2 products. One sold by Jimmy and the other by John. I want to put 2 hold on your card. Jimmy will capture the funds for his sale on shipment of his product and the same for John. I don't want to capture the fund without products being shipped.
exotic hound
If you want independent holds and captures you would need to different Payment Intents. You would collect the payment details once to get a Payment Method, then confirm the two Payment Intents client-side, one after the other. If 3D Secure is required for one or both the Customer can complete it. After successful confirmation the funds will be held and can be captured later.
void kite
That's what I did. I collected the payment methods then customer chooses a method at checkout. What worries me is that if a customer buys 10 products from 10 different sellers, customer will have to confirm 10 payment intentents, which is somewhat discouraging.
exotic hound
Yes, that would be required. Have you thought about a different approach that does not place a hold on the funds?
For example, you could create a single payment for the entire amount that lands on your platform account, then you transfer funds to the vendors as they ship out the individual pieces. If someone doesn't ship something you could issue a partial refund.
void kite
I did this, but I'm trying to avoid refund costs since I have to refund the full amount to the customer.
exotic hound
Not sure I understand. You do not need to refund the full amount.
If someone pays $30 for three $10 items and one of them isn't shipped out you can refund just $10.
next cedar
Specifically, when you create the refund you can optionally set an amount for less than the amount of the payment:
https://stripe.com/docs/api/refunds/create#create_refund-amount
And you can do this multiple times up to the total of the amount of the payment
So if you have eg Vendors A,B,C, you can refund $10 when Vendor B cancels without having to wait for A and C to settle. If C cancels later you can refund another $10.
When A ships you can transfer them the $10
(before or after B or C cancel, doesn't matter)
void kite
What I meant is that when I receive a payment Stripe takes like 3.9 or 2.9% (depends of the country) of the amount so when I have to refund for one item or if the customer cancelled the order I'll have to pay 2.9 or 3.9% back that would be a loss