#stripe

We'd like the money to remain in USD as that's what we charge in

kinnego : no there isn't. Also we don't have merchant account though I'm not sure what that means. if you want to charge in USD and get USD you have to open a bank account in the US. That's the only way.

tr12: new project..so should be an easy update.. I just updated API. now updating stripe-php

recurme: yeah, then I'd highly recommend starting out with new stripe-php & a modern stripe api version

@koopajah We would have a merchant account set up - we would provide you with a merchant ID.. Basically this is like a buffer between our bank accounts that allows us to keep the money there until we decide to transfer it to USD/GBP accounts

that doesn't exist and we don't support that

ok - what rate of transfer do you use - mid market rate?

ok - what exchange rate of transfer do you use - mid market rate?

Heeeello again

should I charge (capture = false) my contributors when they make a donation ?

is this possible to limit frauds with this ?

kinnego: stripe uses the market rate, and takes a 2% fee. there are more details here: https://support.stripe.com/questions/which-curr...

Doc_: the authorization you would make like this can be held for at most 7 days

Doc_: so this pretty much just won't work for campaigns longer than 7 days

I'm just wondering, my projects last ~30-90 days, so charging (capture:false) is not really useful, no ?

yes indeed

yeah

but if the customer has no cash, I won't know without charging

more precisely, this won't work for donations made more than 7 days before the campaign end date

I can charge(capture:false) then refund the charge

just to know

if the bank account is empty or not

id it good practices ?

this doesn't guarantee that the charge will succeed when you make it later

and more importantly, this is consider authorization abuse by card brand rules

of course

oh damn

DAMN

(which stripe would consider a violation of its terms of service)

hmm

hi

I don't know how to limit the client abuses

i just started getting 'your card is not supported' errors on the test JCB and Diner's Club

vincentcr: you're based in canada, right?

yes

yeah, only US businesses support discover/jcb/diner's club: https://support.stripe.com/questions/which-card...

but it was working before?

vincentcr: to my knowledge, stripe has never supported those brands for canadian businesses

if you have testmode charges that previously worked with those card numbers, can you post the IDs?

we've had tests running that created jcb/diner's club tokens for a while

let me try to dig some

tr12 Thanks for that - 2% fee of what tho? The dollar sale or the sterling credit amount?

last thing for this issue, when you try to auth a charge (capture:false), will Stripe retry until it works ? is there any system making the cash easier to get ? I don't know something that can help me to be sure the contributors will be charged

kinnego: it doesn't make a difference

tr12: can't find transactions because our tests were just asserting that we would not accept them

but i'm 100% certain these tests have been running every day for many many months

Doc_: stripe will not retry the charge

Doc_: to reiterate, there isn't really much you can do here

diantre

ok

Doc_: some of those charges are going to fail when you try to collect

yes, I'm just trying to find a way

Doc_: you can't be sure that they all succeed, you can't hold authorizations long enough to make sure that they do, and you can't actually charge and refund later if the campaign fails (because this is a card brand rules violation)

rude

Doc_: every other crowdfunding platform is faced with exactly the same problem, and they've arrived at the same solution

wich one ?

which

ie: you need to reckon with the fact that some of those charges will be declined

for me nothign sounds really like a solution there :|

okay

Hi there, is the picture and name displayed on the checkout popup edited from within your stripe account?

frustrating situation

josh___ : no it's in the Checkout code (HTML)

but well

let 's go

thank you for your help

Doc_: np

So web desginers should be able to edit that without any need to access my stripe account at all? All edited on the web code side?

josh___ : yes

tr12: also, the same tests succeeds with the discover test card. i'm speaking of the stripe.tokens.create call

okay right, thanks

vincentcr: used to, or currently does?

vincentcr: sorry, I got a bit busy, but the behaviour that I'm reproducing is that when I try to tokenize a jcb/discover/dc card on a non-us account, the tokenization call fails immediately

tr12: it used to work for all (jcb,diners, discover), but since today it only works with discover

vincentcr: hrm, those all fail at tokenization time for me

(though I'm using a FR test account - let me try with a CA one)

k let me double check

it *shouldn't* make a difference, but it's worth a shot

yeah, this doesn't make a difference for me

tr12: thanks!

are there plans for allowing UK Stripe users to accept bitcoin payments in the future?

josh___ : it's already allowed as long as you have a US-based USD bank account

ah right okay, there's a few credit card providers that are only for US stripe users isn't there? Does having a US bank account sort that as well?

josh___: no it's unrelated

right okay, thanks again :-)

Can you tell me the risk factor for declined payments ? in %

like, is it possible to hae 30% declined ?

it's possible to have 100% if you just charge one card and it's decline

joke aside, it really really depends on your country, business, customers', etc. no hard numbers

Ok :/

ty

quick question: is it possible to upgrade my API in test env but not in production?

the account settings don't seem to differentiate between test and live

kray__ : not possible no. But you can open a separate Test account instead

ah. okay that's too bad

@koopajah and i guess you have to go through all the steps of setting up the new account?

with your routing number and everything?

no, just register and use it in Test mode, you don't have to activate the account or anything

Stripe Question, if I may. I am working on designing and integration with an existing application, and need to verify my understanding. If a customer has a credit balance, am I correct that that balance will be applied against any invoice amount due the next time an attempt is made to collect for that invoice?

I have to find a solution for my project holders. They can't see the funds go from 15k to 13k because of declined charges... I really want to integrate Stripe but we have to find a solution

Would I also be correct that a coupon with an amount to be applied would be applied against any invoice amount when the next attempt was made to collect?

Hi all, I need help with implementing in Wordpress the Subscription module. DO I have to work with API or is there an easier way?

ajl : correct

Excellent. Thanks.

Doc__ : I'm not sure I follow the issue. Declined cards are expected when you take payments. Even at a restaurant sometimes a customer's card will be declined.

Now, why should I have to charge the contributors after the project succeed ? Why could not charge instantly ??? This is the real solution for me

Panache-Girl : easier way would be to use a plugin like woocommerce