Stripe 允许给客户钱吗? [英] Does Stripe allow to give money to customers?

问题描述

我在几个项目中使用了 Stripe API.

I'm using the Stripe API on a couple of projects.

这是我第一次考虑一个特殊情况，客户注册他的卡(或其他任何可能的情况)并从 Stripe 获得一些钱；类似于退款，但之前没有付款...

For the first time I've to think about a special case where a customer registers his card (or whatever else if it's possible) and get some money from Stripe ; something like a refund but there's no payment before ...

我意识到这种功能对系统的风险，它必须在任何地方都受到过度保护.

I'm conscious about the risk of such a functionality for the system, it has to be overprotected from everywhere.

我正在互联网上搜索，但没有找到任何有关它的答案.是否可以 ?如果是，您如何使用 API 做到这一点?

I'm searching the Internet and don't find any answer about it. Is it possible ? If yes how do you do that with the API ?

推荐答案

可以通过 Stripe API 发出退款，如下所述:

It is possible to issue Refunds via the Stripe API as outlined here:

https://stripe.com/docs/api#refunds

...但是您所描述的商业行为在所有信用卡处理环境中都是不允许的.

... but the business practice you are describing is disallowed in all Credit Card Processing contexts.

当使用 Stripe 或 Square 等服务接受付款时，您的付款会通过他们的商家帐户进行，并且在信用卡处理的范围内，商家帐户不能用于将资金转给随机的持卡人作为企业实践，但退还持卡人之前作为先前销售的一部分支付的款项.

When using a service like Stripe or Square to accept payments, your payments flow through their Merchant Account, and within the context of Credit Card processing, a Merchant Account cannot be used with the intent to transfer money to random Cardholders as a business practice, except to refund money that was previously paid by a Cardholder as part of a prior Sale.

商家帐户不像银行帐户，而更像是信用额度.可以想象，尽管有规则，您可以尝试通过退款汇款，因为没有什么可以阻止您尝试；但最终您的转账会被标记，因为您的业务产生的负商户账户余额会在整个支付处理链中触发各种警告标记.最终，如果您不停止，您应该期望最终会被 Stripe 踢出.即使您要通过商家服务提供商(Braintree、Auth.Net 等)注册自己的商家帐户，拥有自己的商家帐户也无济于事.规则并没有很好地记录为什么不允许这样做，但简短的原因是存在欺诈计划，可能会在很短的时间内花费上游各方大量资金.允许这种退款做法不符合他们的利益.如果您尝试设置自己的商家帐户，如果您的目的明确主要是向信用卡退款，那么任何知识渊博的商家服务提供商都会拒绝您的申请.

A merchant account is not like a bank account, but instead more like a line of credit. You could conceivably attempt to send money via refunds in spite of the rules, as nothing is barring you from trying; but eventually your transfers would get flagged, as the negative Merchant Account balance your business accrues would trip all sorts of warning flags throughout the Payment Processing chain. Eventually, you should expect to eventually be kicked off of Stripe if you didn't stop. Even if you were to enroll in your own through a Merchant Service Provider (Braintree, Auth.Net, etc.), having your own Merchant Account would not help. The rules are not very well documented for why this is disallowed, but the short reason is that there are fraud schemes that exist that are possible that can cost the upstream parties a lot of money in a very short period of time. It is not in their interest to allow this sort of refund practice. If you tried to setup your own Merchant Account, any knowledgeable Merchant Service Provider would reject your application if it became clear your intent was to primarily issue refunds to Credit Cards.

如果您想提供某种注册或购买奖励，与其直接给客户钱，不如提供信用卡或优惠券或其他不会改变仅接受付款语义的折扣来自您的 Stripe/商家帐户.

Instead of giving money straight-out to customers, if you are trying to offer some sort of enrollment or purchase bonus, it is better to offer a credit or coupon or other discount that doesn't change the semantics of only accepting payments from your Stripe / Merchant Account.

如果您尝试通过 Stripe 创建某种汇款服务，我强烈建议您不要使用信用卡作为收款方，并建议您考虑执行 ACH/电汇.ACH系统中的汇款没有与信用卡处理中的相应限制.

If you are trying to create some sort of money transfer service over Stripe, I strongly discourage you from using Credit Cards for receiving parties and recommend you look into performing ACH/Wire transfers instead. There is no corresponding restriction to money transfer in the ACH system as there is in Credit Card processing.

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