我如何使用Stripe延迟向客户收取费用，直到发货完毕？ [英] How can I use Stripe to delay charging a customer until a physical item is shipped?

问题描述

我正在建立一个销售可运输商品的在线市场。该网站将类似于Etsy，它将使商家与买家联系起来。

I'm in the process of building an online marketplace which sells shippable goods. The site will be similar to Etsy, which will connect merchants with buyers.

我希望仅当某物品由某人运送时才能向客户收取费用商家避免退款，并提供类似亚马逊的付款体验。这也将有助于我们避免在商户运送或散货缓慢的情况下发生拒付和付款纠纷。在某些情况下，商品需要7天以上的时间才能进行定制制造和发货

I'd like to be able to charge a customer's card ONLY when an item is shipped by a merchant to avoid chargebacks and provide an Amazon-like payment experience. This will also help us avoid chargebacks and payment disputes in case a merchant is slow to ship or flakes out. In some cases, the goods will take more than 7 days to be custom manufactured and shipped out

以下是示例时间轴：

• 2014年1月1日-客户向购物车中添加了价值75美元的商品，然后点击购买。输入信用卡信息。


• 2014年1月1日-客户的卡已通过验证，并临时保留了$ 75的信用卡。订单被发送给商家以实现。


• 2014年1月14日-商家将货物运送给客户并添加了运输跟踪信息


• 2014年1月14日-客户的卡已被收取

• 1/1/2014 - Customer adds $75 worth of items to their cart and clicks "buy". Enters credit card info.
• 1/1/2014 - Customer's card is verified and a $75 temporary hold is placed on their card. Order is sent to merchant for fulfillment.
• 1/14/2014 - Merchant ships goods to customer and adds shipping tracking info
• 1/14/2014 - Customer's card is charged for the full amount and merchant receives $75 minus fees.

我计划使用Stripe Connect进行付款处理，但不确定如何延迟捕获付款超过7天。有什么想法吗？我不想将资金汇总到我自己的帐户下并使用付款，因为这可能会违反汇款法律。

I plan to use Stripe Connect for payment processing, but am not sure how to delay capturing a payment for more than 7 days. Any thoughts? I don't want to aggregate the funds under my own account and use payouts since this will likely run afoul of money transmission laws. Any help would be appreciated!

编辑：看来Quora的，但答案似乎并没有解决商户装运商品但付款的情况失败。

It looks like Quora has a similar question here , but the answers don't seem to deal with the case where a merchant ships out the item but the payment fails.

推荐答案

经过进一步的研究，看来没有办法延迟捕获费用超过7天授权窗口。

After further research, it seems there's no way to delay capturing a charge past the 7 day authorization window.

但这是延迟收费的一种方法：

But here's one way to delay a charge:

1. 使用stripe.js库对信用卡进行令牌化


2. 创建新的数据条客户，并将令牌作为卡传递param

1. Tokenize a credit card using the stripe.js library
2. Create a new stripe customer passing in the token as the "card" param

Stripe FAQ中的示例： https://support.stripe.com/questions/can-i-save-a-card-and-charge-it-以后

An example from the Stripe FAQ: https://support.stripe.com/questions/can-i-save-a-card-and-charge-it-later

请注意，在标记卡片与实际充电之间等待的时间越长，由于各种原因（信用卡过期，资金不足），您的收费被拒绝的可能性就越大，欺诈等）。这还增加了一层复杂性（以及销售损失），因为您需要请买家重新提交付款信息。

Note that the longer you wait between tokenizing a card and actually charging it, the more likely your charge will be declined for various reasons (expired card, lack of funds, fraud, etc). This also adds a layer of complexity (and lost sales) since you'll need to ask a buyer to resubmit payment info.

我仍然想确认可以收取一定的费用（例如预授权），但这至少让我以后可以对卡进行收费。

I'd still like to confirm that a certain amount can be charged (like a "preauthorization"), but this lets me at least charge the card at a later date.

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