xzzd - SCA | Stripe Developers | Page 1

scarlet plinth Mar 30, 2022, 6:51 PM

#

Hi 👋
What's the question?

unreal heath Mar 30, 2022, 6:53 PM

#

So basically, my business (and PSP) is based in the US, but I have clients from EEA.

I want to sell a 500€ service. But letting my customers only pay 100€ upfront and two weeks later they will be automatically charged with the remaining 400€.

The amounts are different but it is not like a subscription, the initial total amount (500€) is due and pre approved by the customer. So will they be asked to authenticate again by the 400€ charge ?

#

Do I have to take certain precautions ? Or code in a specific way to avoid that ?

subtle junco Mar 30, 2022, 6:54 PM

#

So two weeks later you'd need to collect a separate payment, and yes any such future payments can be subject to additional authentication

#

If it were within one week, you could use auth & capture to get the authentication up front, but that's a different flow and timeline.

#

Future authentication is always at the discretion of your customers bank

unreal heath Mar 30, 2022, 6:56 PM

#

Even when the 2nd charge is part of the split payment approved the first time by the customer ?

subtle junco Mar 30, 2022, 6:57 PM

#

So you can save the payment details for future use, but the second payment is separate from the first and has not been authorized.

unreal heath Mar 30, 2022, 6:59 PM

#

So paying in x times does not imply an automatic authorization for nexy payments ? Then how can I ensure my clients are going to pay their "debt" ?

subtle junco Mar 30, 2022, 6:59 PM

#

In order to authorize that new payment, the bank may require them to authenticate again.

#

You can't be sure of that, you will need to build recovery flows for failed authentication or otherwise declines payments.

#

eg, the customer card could also be declined for insufficient funds.

#

This is a decision for you to make and weigh against the risk/cost of fulfillment before you have complete payment.

#

You can place a hold on a card that you can capture up to one week later: https://stripe.com/docs/payments/place-a-hold-on-a-payment-method

Place a hold on a payment method

Separate authorization and capture to create a charge now, but capture funds later.

#

But this doesn't work for a two week timespan

unreal heath Mar 30, 2022, 7:03 PM

#

Thank you for your complete answer

#

I have one last question

#

Same situation (but let's say with a one-week delay this time to make it simple)

So my customer pays 100€ and 400€ will be due a week later.

Now let's say that during this one-week period, this customer buys an upsell product (priced at 1000€ for example). How can I then automatically cancel the remaining 400€ since the customer has bought an upper service. (So instead of paying 100 + 1000 + 400, the 400€ are deducted in the end)

#

I could just cancel the 400€ charge myself, but can I automate that in Stripe ?

subtle junco Mar 30, 2022, 7:07 PM

#

Yes, you have a couple of choices:

#

1/ Authorize a new payment for the new total and cancel the original
https://stripe.com/docs/api/payment_intents/cancel
2/ Authorize a new payment for the increased amount and capture both

Stripe API reference – Cancel a PaymentIntent – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

#

Note that in the first case you should not cancel the original until after you have a successful auth for the new payment, or you risk getting none at all

unreal heath Mar 30, 2022, 7:11 PM

#

Great, thank you very much for your help

subtle junco Mar 30, 2022, 7:13 PM

#

No problem!

#xzzd - SCA