All that said, it's helpful to hear how it seems from your standpoint. When you are in certain types of business, you can take that as a cost of doing business. Zuora can do complex billing. Previously, Stripe used to charge 2.9% + $0.30. The rules are what really allows merchants to protect themselves against fraud but this information isn't possible to obtain without help from their payment gateway (ie. Should do it. You're also welcome to do post-charge processing using our risk scores. I hope someone picks up on this comment and considers finding a solution. Any parameters not provided will be left unchanged. How can I convert a JPEG image to a RAW image with a Linux command? But you can. It seems they were attempting to place thousands of orders, and looking for functional credit card information. A few months back, I was hit with an attack from a spammer, who managed to place a few hundred orders through my Stripe checkout. If you’re selling 99.99 monthly subscriptions, then it’s only ~3% of revenue. The keys are different, the card numbers are different... it should work the same but may not. How you ask for a refund depends on. I'm pretty sure you don't have a big business. stripe_create_invoice: Create an Invoice. If you can achieve that by not returning fees on refunds (and make a bit more money along the way) that makes sense to me. The service doesn't get the fee directly. I cannot write that design document for you as I do not have a good understanding of what data you believe you possess at the moment or e.g. It was mildly inconvenient, and eventually I just stopped because there was never actually a difference between their staging and prod behaviour. So now with this change, I could pay up to $210 for when a customer simply changes their mind. rstripe: rstripe. The person is giving facts back. Don't forget to encrypt your actual data, I think you will be amazed at what needs to happen for selling in EU ;). but what with the fees from card a vs card b. Don't "test" checkout flows in production unless you're using real credit cards :D. And yet in 2020, you still can't write an automated test suite that spins up a virgin test environment, simulates all relevant scenarios, and allows you to quickly verify that your integration is responding properly as part of your normal CI process. I work on this type of stuff thing at a major payments company and I can say this is _not_ true. the margin characteristics of your business, which would likely determine your tolerances with respect to some tradeoffs to make at design stage. Payment providers have test gateways and cards for you to test your code against. I submitted my admission forms in other institutions as well. This kind of move is always galling. ;(. For the former, you have to run some tests on production after initial setup and major changes surely? If so it probably means the cost will be passed to consumers via higher prices and inflexible return policies. What would you recommend for a Stripe-backed SMB who has to turn away dozens of users per month because they only have some kind of "bank card" (which is normal in many European countries now). This is a disaster. Update an application fee refund Updates the specified application fee refund by setting the values of the parameters passed. We also had to implement an "invisible" Google Captcha which I wasn't a fan of. We recently made the decision as a SaaS company to switch from a subscription management platform I won't name to Stripe. We are looking into Spreedly. amount integer. stripe_create_invoice: Create an Invoice. Do you mean this in general or for Stripe? Our processor has a bin endpoint where I feed it the first 6 and it returns a bunch of info about the card, including credit/debit. Damage control? Most tech startups know the influence HN has, and to respond to a top post with a mostly defensive stance (vs. the OP points actually having an impact on the decisions being made) is a smart move on the part of the CEO (I would probably do the same thing). Also any of the big processors you can negotiate the refund of interchange just like you can negotiate interchange plus pricing instead of blended which I assume stripe even offers to big merchants like Shopify. What was your experience like with them? I have no returns, so this particular policy doesn't impact me. I’ve never seen a company as averse to squeezing users as I had when I was there. If the refund fails to show up, you will need to get in touch with Stripe for help. I thought it was illegal but I may have been wrong. Some companies will e.g. Nordic countries has really good consumer protection laws and users can ask to cancel the purchase for any or no reason. As long this "Saturday test" remains true, I'm a happy user. We just revamped our hosting on AWS and saved $6k/mo or so. McGraw-Hill/Platts is terrible with this, where they take data from traders' transactions and then resell it back to them at extortionate rate. If so, that single attack would have cost me hundreds of dollars out of pocket. It might take some time, but we’ll get there. Likewise, although the three payment gateways have cross-over fee structure features, there are differences which prevented us from comparing the details apples to apples. CONSTRUCTOR new( %ARG ) Creates a new Net::API::Stripe::Connect::ApplicationFee::Refund object. Complete reference documentation for the Stripe API. from back in 2017 that describes this change back when it was announced? is a sync/async .NET 4.6.1+ client, and a portable class library for This puts my processing rate at 3.5%. Regardless, Stripe's nickel-and-diming is not something to be grateful for in any industry when there are competitors that don't do the same. EDIT: It appears that risk_score is indeed not available but risk_level is. Interestingly, in 2013 both credit card minimums (up to a maximum of $10) and surcharges (up to a maximum of 4%) became legally federally, although there are 10 states that still prohibit surcharges (including New York, California, and Texas). Q&A for Work. I'd say you should raise that with their support team! With such a system it should be easy to change between PayPal and Stripe and I suggest that we all shutdown the Stripe part to show our discontent. stripe_create_customer: Create a Customer. Stripe charges a conversion fee for charges in a currency not associated with your bank account. I was hit by this charge too, when doing some test purchases. This is one place where it surely became egregious not to. I can use that application to fetch (and I believe refund) charges during the operation of my application. There's a vast payments ecosystem beyond Stripe that lets you avoid this. Amount representing a monetary value. My company is now evaluating options to move off Stripe because of this fiasco and how it was communicated to customers, along with the complete lack of explanation of whether this impacted the % fee or just the flat $ fee. They are doing a Paypal. Still, we lost a few thousands €€ in these years because of customers' banks rejecting our transactions. They are locked into their fees and make it impossible to do things like 'pay this other way and save 2% etc.' In both scenarios, price for purchasing with cash is less than price for purchasing with card. If a full charge refund is given, the full application fee will be refunded. Square still refunds processing fees to merchants for refunded transactions. I recommended stripe to a friend because a hn (ad?) stripe_create_application_fee_refund: Create a refund for an Application Fee. We were attacked by someone using different IP addresses testing out credit cards. You can take the risk scoring into account by separating auth (then looking at the risk score and make your own decisions) and capture (see link above). Can you tell what I'm missing. (Anyone want to work on this? site design / logo © 2021 Stack Exchange Inc; user contributions licensed under cc by-sa. I have an application that charges a fee on transactions. They think they deserve 3.5% on top of the initial 2.9% to send money back. Making statements based on opinion; back them up with references or personal experience. Sadly, this still seems to be the norm for online payment services. Actually - it's mostly because of cost / benefit shifting. This is something that companies that are near public company size do since the amount of work required to meet payment regulations alone, not to mention all of the infrastructure to support things like subscriptions is staggering. You're right about everything, but I disagree with your characterization of 'the first hit is always free'. And that's just a minor case. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. e.g. Until someone in QA who keeps running that test flow manually says “Wait a minute, my time is valuable!” and scripts the checkout flow in Selenium... That's what the dev/staging environments are for. Some percentage of these customers retry, perhaps with another card, and eventually succeed in buying the thing they want to buy. 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