I have a subscription service for which free trials are allowed before signing up for the full payed service. I want to ask the customer to provide credit card details before gaining access to the free trial, to prevent abuse of the trial.
I'm using Stripe to handle payments so that I don't have to deal with storage of any sensitive payment information. This free trial scenario would seem to be very common, so I assumed there would be some way to query a card to make sure that it hasn't been used to sign up already. Just some API call that would accept the card number etc. and return a boolean.
I haven't seen anything like in the API docs. I know that fingerprints of cards are accessible after creating a card source, so is it advisable to store them myself and query them? Or have I missed something in the docs?
Just to be clear... I'm not looking to search a card for a particular customer. I know I can iterate over the cards to do that, but I'd have to iterate over the cards of every customer to accomplish what I want, which is not feasible.
Here you probaly want to contact the support team and suggest this as a new feature.
A possibility is the fingerprint you mention, in my opinion this would be the way i would do it too.
One single card should never be associated with one customer in a platform.
No, there is no way to check whether a credit card is used for another customer or not. And there shouldn't be. Because a customer has right to use his/her single credit card to maintain more than accounts.
You can easily integrate trial feature of a Subscription in Stripe which is best way to implement Trial feature using Stripe. If any customer's payment failed after trial expired then you will be notified by Stripe.
And Stripe and any other payment gateway is not advise to store any card info due to security issue.
Related
I develop and host a SaaS business that bills most customers directly, and that is a normal basic use-case with Stripe.
However, I also have a reseller that handles the billing relationship for those mutual customers. Since I host the SaaS service, all signups and subscription changes run through my software, and I'd like to use Stripe to track those customers, and create an invoice for each one of what the reseller owes us for them. Then I'd like to be able to charge the reseller's credit card once to pay for all those customers' invoices in one transaction. Is that possible?
Stripe Connect seems to serve the general need for handling these types of multi-party transactions. But I don't want to require the reseller to use Stripe to bill their own customers.
It seems maybe it could work if I created a single Stripe customer for the reseller, and then create a subscription for each of the reseller's customers under the reseller's customer resource. But it's not the canonical way of doing it, and I think I'd prefer a Stripe customer resource for each actual customer.
Although it might seem I could just collect payment from the reseller, and then mark all the customer invoices as paid offline but that seems it would double book revenue. I definitely don't want that!
I'm hoping someone might have a suggestion about the best way to accomplish this.
Thanks.
These types of questions are probably better suited for the Stripe support team, as they’ll be able to advise you on your business model and if there are any edge cases or unknowns you should be aware of: https://support.stripe.com/contact
I am developing a mobile app, a market place buyers and sellers can meet.
When making payments, the buyer will have to enter his credit card information every time, because we are not saving them.
To get paid, sellers need to have their bank details stored with us (That's what we think). We are planning to use a payment gateway like Stripe or Braintree.
Now, we have 2 questions.
Instead of we storing the bank details, can we shift this responsibility to the payment gateway provider? So the information are with that service and not with us.
If it is mandatory for us to keep the bank details, what security measures we need to take?
I can't speak for Braintree, but Stripe can handle storing those. I'd suggest reaching out to them to tell them more about your use case and ask for more details. https://support.stripe.com/contact/email
I'm building an uber-like app where there are customers, and drivers:
Customers need to have a wallet to which they can add money using credit cards
Drivers need to be paid when they complete a ride, and my platform receives a commission on each ride fare.
I experimented with Stripe, but they don't seem to support a customer wallet implementation out of the box. Neither does braintree. Am I missing something?
Full disclosure: I work at Braintree. If you have any further questions, feel free to contact
support.
Happy to offer help!
Customers need to have a wallet to which they can add money using
credit cards
Braintree has a Vault in which you can allow customers to store payment methods, but there is no feature which will allow them to "add money". These payment methods are represented as payment method tokens which can be charged at any point.
Drivers need to be paid when they complete a ride, and my platform
receives a commission on each ride fare.
Braintree offers a Marketplace solution that allows you to split a payment to two parties; one being a sub-merchant (in your case, a driver), and a service see being sent to you, as the master merchant. You can read more about Marketplace at this link.
Feel free to reach out to support if you need further clarification!
Stripe doesn't support a 'wallet' style approach, but you can definitely use Connect to build this, though you'd then charge your customers at the time of purchase/use, rather than having them 'prefill' a wallet.
I'd suggest you reach out to Support if you have further questions on this one.
This is the scenario I expect the system behave:
I have a platform where users can register and store their credit card information online, and with specific user's action, system automatically settles payment.
Of course, user expect automatic payment system as we said so when they enter their card information, and the purpose of this is to simplify the process when they decided to pay for something.
My question is this:
I found that Amazon saves user's card information when they purchased some products then user doesn't need to put all the card information again but just select from the list of cards he used and with one click, it finishes payment.
Also, in price line, I found that it automatically settles after bid accepted.
So I tried to find the provider or payment gateway company that Priceline or Amazon provide, and tried to find the way to implement the system at least, but couldn't find any. What I have found so far were like, using paypal, and it requires user to have paypal id
I'm doing this in PHP, can anybody give me some clue please?
Thanks in advance.
You should be able to do this with most payment gateways that support recurring payments.
Typically what you would do for new customers is capture their card details 'as normal' (via the payment gateway). The payment gateway will return a token id which you then store against the customer record
Next time that customer makes a payment you can submit the tokenised card number to the payment gateway
Since you mentioned Amazon, you might want to look at their payment service API: http://aws.amazon.com/fps/
I am developing an e-commerce website where some customers will be making frequent online purchases. With that said, I am trying to find a solution that will allow me to securely store credit card information, using Website Payments Pro, so customers do not need to re-enter credit card information every time that they make a purchase. I am aware of credit card "tokenization" services like Braintree, but they require you to use their entire payment platform. PayPal has confirmed that there are third party shopping carts out there that work with Website Payments Pro, that would securely store credit card information (as long as I am PCI compliant), but would not point me in the direction of one.
Does anyone know of a third party service that would fit my needs for this? Thanks for your time and help!
David
You can make use of PayPal's Reference Transactions API that makes a transaction ID as reference to make future transactions without entering their credit card information.This way your customers can make payments throughout the year.
Alternatively you can also make the billing agreement ID as the reference for future transactions.This way PayPal Payments Pro will pick the required details automatically from the previous transaction.Billing agreement ID has the benefit that it is not time bound for 1 year unlike transaction ID
It is very, very difficult to securely store credit card information. In fact, it was announced just two days ago that 130 million credit card numbers were stolen from major retail and finance companies that have far more resources than you probably do to secure that data.
I fully understand the desire to easily facilitate recurring payments. However, think though and understand the risk related to storing of credit card numbers before deciding to do so.
If you decide that you need to store the card numbers, I recommend hiring a security expert with a proven track record to help design your solution and then audit it once it's in place.
I think the better solution would be using paypal Vault
The Vault API provides a secure way to store customer credit cards. By storing cards with PayPal, you can avoid storing them on your servers.
so the flow should be as follow
you store customer credit card to vault, and get a card id back from paypal.
You can use that card id to make a transaction or save that card id with customer info in your database to make future transactions
Note:
A reference transaction must have occurred within the past 730 days because the ID may not be available after two years.
in the past, I have used aspdotnetstorefront, but it is an entire storefront application, including the payment gateway.
You can do this with PayPal Express if you don't want to use Pro.
https://www.paypal.com/cgi-bin/webscr?cmd=xpt/Marketing/general/RecurringPaymentFAQs-outside#Q9
Is that what you're looking for or are you looking for the actual code that uses their API?