通过Apple Pay进行分期付款/延期付款 [英] Split/Deferred payments through apple pay

问题描述

在入门页面上Apple Pay表示Apple Pay支持部分发货".在实践中如何实施?我知道如何从成功的 PKPayment 获取令牌.获得该令牌后，如何使用它通过我的付款网关实施多个子订单付款?

On the getting started page for Apple Pay, it says that Apple Pay supports "partial shipments." How is this implemented in practice? I know how to get a token from a successful PKPayment. Once I get that token, how do I use it to implement multiple sub-order payments through my payment gateway?

例如，假设用户通过Apple Pay验证了两个单独的子订单货品的总购买额为$ 100(每个分别为$ 40和$ 60)，而我现在有一个与该$ 100订单关联的令牌.由于某些网络上的限制，我们无法在关联的商品已发货并且它们在不同的时间发货之前捕获每笔付款.

For example, say the user validates a total $100 purchase through Apple Pay of two separate suborder shipments ($40 and $60 each) and I now have an associated token for the $100 order. Because of restrictions on some networks, we can't capture each payment until the associated item has been shipped, and they ship at different times.

我是否可以使用该令牌授权和捕获任何金额的付款?

Do I have the ability to authorize and capture payments of any amounts using that token?

授权和捕获这些子订单的最佳方法是什么?

我是否在发货时对总计(100美元)进行身份验证，然后对每个小计(40美元，60美元)进行身份验证，然后对每个小计进行捕获?如果是这样，那么我可能会授权的数额超过了必要的总数(200美元)，这似乎是不对的.仅跳过对总数的auth，对每个子总数的auth，然后在交付时捕获子总数是否有效?

Do I auth for the total ($100) and then auth for each sub total ($40, $60) at shipment and then capture for each sub total? If so, then I will be potentially authorizing more than the necessary total ($200), and that doesn't seem right. Is it valid to just skip auth for the total, auth for each sub total, and then capture the sub totals as they ship?

推荐答案

您不能多次捕获授权.对于条带，您需要将令牌保存给客户，并为每批货物分别向客户收费.这不仅是最好的方法，也是唯一的方法.

You can't capture an authorization more than once. For stripe you would need to save the token to a customer, and charge the customer for each shipment separately. This isn't only the best way it is the only way to do it.

一旦您拥有令牌并将其附加到条带状的客户对象中，便可以随时对令牌进行收费&直到到期日为止的任何金额，或者如果他们从其Apple Pay帐户中删除了该卡，就如同您使用任何其他卡一样，无论初始授权如何.

Once you have a token and attach it to the customer object in stripe, you have the ability to charge it at any time & any amount up until the expiration date or if they remove the card from their apple pay account, like you would any other card regardless of the initial authorization.

由于存在不同的处理方式，因此您的其余问题会因意见而异，但这是我将如何收取此类命令的费用.我认为这种方法除了使条纹/苹果满意之外，对企业和客户都有利.这不是苹果支付的特定费用，我将满足这些要求的大多数订单都一视同仁.还请记住，苹果支付支持它，但这不是必需的.无论发货日期如何，您都可以提前收集所有信息.

The rest of your questions will vary by opinion as there are different ways of doing it, but here is how I would charge this type of order. I think this method benefits both the business and the customer, in addition to keeping stripe/apple happy. This isn't apple pay specific, I would treat most orders with these requirements the same. Also keep in mind apple pay supports it, but it is not required. You can collect all up front regardless of shipment dates.

1. 从PKPayment生成令牌，价格为100美元
2. 创建客户(如果需要)&向客户添加令牌
3. 使用该卡向客户收取100美元的费用，而无需捕获
4. 在7天内评估预计的发货日期.
5. 一旦评估完成，立即仅捕获金额预计可在一周内以初始费用发货.在你的例如，在这里我将收取40美元的第一笔费用.如果预计不会捕获任何东西，不会全额退款.
6. 超过7天的任何发货，都要为使用客户对象(而不是令牌)发货.再次在您的示例中，这是60美元发货的时间在这里负责.

只要第二次装运的费用不早于7天寄出，这将防止任何授权重叠，从而导致在任何给定时刻的保有量超过初始金额.我会像对待这笔苹果薪水一样对待几乎所有交易.

As long as the second shipment charge doesn't happen to go out earlier than the 7 days this would prevent any authorizations overlapping resulting in holds of more than the initial amount at any given moment. I would treat almost any transaction like this apple pay or not.

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