难道让条纹把钱给客户？ [英] Does Stripe allow to give money to customers?

问题描述

我使用的是一对夫妇项目的条纹 API。

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

对于我第一次思考一个特殊情况，其中一个客户登记自己的卡（或任何其他如果可能的话），并从条纹一些钱;像退款，但没有付款前...

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 ...

我意识有关的为系统这样的功能的危险，它可以从任何地方过度保护

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

我在网上搜索，并没有发现任何关于它的答案。可能吗 ？如果是你怎么做，与API？

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

有可能通过条纹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

...但你所描述的商业实践中的所有信用卡处理环境中是不允许的。

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

在使用类似条纹或方接受付款服务，付款流过他们的商业账户，和信用卡处理的范围内，商家帐户不能与意图用金钱作为业务转移到随机持卡人实际上，除了退款，这是$ p $由持卡人支付pviously作为先前销售的一部分。

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.

一个商家帐户并不像银行账户，而是更像一个信用额度。你可以想象试图通过退款，尽管规则寄钱，如无距离限制尝试你;但最终您的转移将得到标记，作为阴性商家账户余额业务累积会跳各种警示标志的整个支付处理链。最后，你应该预料到最终拉开序幕条纹的，如果你没有停止。即使你通过一个商户服务提供商（布伦特里，Auth.Net等）在自己报名参加，拥有自己的商家帐户不会帮助。该规则没有很好的记录了为什么这是不允许的，但短期的原因是，有存在欺诈阴谋是可能的，可以花费上游各方大量的资金在一段很短的时间。这是不符合他们的利益，让这种退款做法。如果你想设置自己的商家帐户，任何懂行的商家服务提供商将拒绝你的申请，如果它成为明确你的意图是主要发放退款信用卡。

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.

而不是给钱直给客户，如果你正在试图提供某种形式的报名或购买的奖金，这是更好地提供信贷或优惠券或其他折扣不改变只接受付款的语义从你的条纹/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.

如果你正在尝试建立某种形式的过度条纹汇款服务，我强烈建议使用信用卡的接收方劝阻你，建议你看看到执行ACH /电汇代替。目前没有相应的限制在ACH系统的资金转移，因为在信用卡处理。

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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