#Bueno Biscuit - failed charges
plain niche
Hi there!
You're right in this case. While you can try to create a payment intent prior to capturing those funds, there's no guarantee the funds will be available for capture once you're ready to create the charge.
As for your final question, no funds will be moved to your Stripe merchant account until the payment intent is captured. Those funds will remain with the customer until captured.
dapper monolith
I think I wasn't clear about my last question. We're worried that even if we do a preauth with manual capture, and then immediately void/cancel that payment intent, that the bank/credit card network of the customer will still show the funds as pending or held for 24+ hours
So if we do that, a preauth with an immediate cancel, can you confirm that it won't show the funds as being held by the bank/credit card network to the customer?
So we're not worried about capturing funds in this scenario, we just want a signal about if there are funds available without tying up or affecting the customer.
plain niche
This is not a recommended approach. Many banks will show the authorization to the customer and may even hold the funds for a few days.
dapper monolith
Ah yeah, that would be a deal breaker for us then. Do you know of anything similar that would be recommended?
worthy carbon
this is just forbidden
you can't just go and authorize cards like that just to get a feel for whether they are likely to be declined later
banks and card networks won't let you do that
If you need to guarantee funds on date X, you need to charge upfront say on day X-7
dapper monolith
Ok, I see, thanks for the clarification