#Matt11 - Setup and Payment Intent

1 messages · Page 1 of 1 (latest)

merry cipher
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A payment intent allows you to charge a user and possibly save their card, a setup intent intent is for saving payment details without taking a payment

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Have you seen many of our docs on how to use these? Are you looking for a place to start with some payment flow?

wanton peak
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Thanks!

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Another question

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Is there a time limit to confirm a payment intent?

merry cipher
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For a PaymentIntent that you directly create, no. You can confirm it any time after creation

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They don't expire but you can cancel them

wanton peak
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even after 2 weeks?

merry cipher
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Yep

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The only exception I can think of is Checkout. Checkout Sessions will expire after 24 hours and they automatically cancel their PI at that point

wanton peak
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and PI do something on the customer card? e.g: subtract money from the available amount?

merry cipher
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But that is not relevant if yo are creating these things yourself?

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Can you clarify your question there? I am not sure what you are trying to do with a PI

wanton peak
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I have two type of plans on my app. One with trial period and one without.
During the signup I'm asking the card to che customer.
In the first case I need to create a PI and charge it after 7 days, in the second case I need to charge it immediately

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to simplify the logic I would like to crete PI for every case

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but I'm not sure if a PI without charge pick some "virtual" money from the card

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like pre authorization

merry cipher
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Are you using Stripe Billing for this trial/subscription logic or are you doing that yourself and working directly with our payment intents?

wanton peak
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I don't know about Stripe Billing. I'm doing it with elements + apis

merry cipher
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You may want to check it out, it is more complicated but more powerful so your work could be a lot easier. https://stripe.com/docs/billing

Subscriptions

Create and manage subscriptions, recurring payments, and recurring revenue with the Stripe Billing APIs.

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Otherwise, in the case that you described, you probably would want to have seperate logic for the trial vs non trial case. You would want to collect their CC info with a setup intent initially, even if you are charging their card via a PI later

wanton peak
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and what if I create PI for the two cases? stripe do some sort of pre-authorization on the customer's card?

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I'm asking because the CTO would like to use PI in the two scenarios 😄

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I get what are you saying and you're right, SI it would be better

merry cipher
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You can hold funds but that would still essentially charge the user up front

wanton peak
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but this is not the PI right?

uncut eagle
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Hi 👋 I'm stepping in for @merry cipher give me a sec to catch up.

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but this is not the PI right?
What are you referencing here?

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The hold and capture approach uses PIs

wanton peak
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I'm worried that an unconfirmed PI will create a charge on a user card

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I don't know how to say.. like a "blocked" amount on the card

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but not really charged

uncut eagle
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Right, like a "pending" charge

wanton peak
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yep

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but that a customer sees on his bank account

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iìll give you an example

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suppose a customer has 1000€ on his card

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i crete a PI of 500€ but I'm not confirming it yet

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what the customet sees on his private bank account?

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1000€ or 500€?

uncut eagle
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Banks generally display "pending" charges with are authorized but not captured on your online statement but it does not reflect in your total balance. Once the charge is captured it updates your balance.

wanton peak
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so an unconfirmed PI is not reflecting on bank account?

uncut eagle
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Place a hold on a card to reserve funds now, but capture them only after you complete a service. For example, a hotel may authorize a payment in full prior to a guest’s arrival, then move the money when the guest checks out.

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This is in the introduction to the page linked above

wanton peak
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but i don't need to do this. an user in trial period doesn't need to reserve funds because he may still cancel the renewal

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I only need to collect his card details

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but I would like to do with PI instead of SI

uncut eagle
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A PI is fundamentally an intent to collect funds. That's why it doesn't make sense to use a PI to "only collect card details"

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We built the SI specifically to handle the use case of collecting payment method details without charging the customer.