Direct Charges in Stripe split payments with SCA-3D secure

HI,

Well, as per Stripe documentation this API still in Beta release, so it’s not possible to use in live website. https://stripe.com/docs/connect/charges-transfers

Right now, SCA works with “Transfer Charge” API.

If anyone claiming that they are providing this service, but how we have no idea!

Thank You

Hello,

I read stripe documentation and it says:

“As of September 2019, a regulation called Strong Customer Authentication (SCA) requires businesses in Europe to request additional authentication for online payments. Businesses in Europe must start building their Stripe integrations with the Payment Intents API instead of the Charges API to be ready for these rule changes”

https://stripe.com/docs/connect/direct-charges

Then Direct charges are possible with Payment Intents API. Is that right?

Thanks!

Hello again,

Take a look at WC-Marketplace Demo page. Stripe Payments settings. It does. Then It’s possible or not? Where is the trick?

https://wcmpdemos.com/all-in-one-demo/wp-admin/admin.php?page=wcmp-setting-admin&tab=payment&tab_section=stripe_gateway

I’m making several markets. I was using Dokan-pro. Dokan stripe connect plugin doesn’t allow direct charges if SCA-3d secured is activated. This situation forces me to change. Then I have discovered wcfm marketplace and I’m loved with it. However I need comply with e-commerce european laws and I need set direct charges.

I am sure that many marketplaces owners now or in the near future will be in this situation and will want to find the solution here, with wcfm marketplace

Thanks again.

Hi,

Well, WCMp has setting for this, but that does not mean their plugin work like that!

It’s impossible, Stripe not yet support that.

https://stripe.com/docs/connect/direct-charges

– As per this documentation, it’s possible to add only one vendor account with an order payment, But Split payment not possible right now!

Do you want to restrict one order for only one vendor? If so, then it will work.

Thank You

Hello,

I hope that Stripe will soon allows direct charges with several accounts and you can implement it. It would be easier for marketplaces to comply with European Union payment laws, when we use standard Stripe accounts.

With separate charges and transfers, the administrator is responsible for making refunds to customers. In many countries, customers have a minimum of 14 days to request a refund of money for free from the date of delivery.

Once the split payment is made to vendor, stripe transfers the money to the vendor’s bank account in 7 days. So, how can the administrator make the refund to the customer if the money is no longer in Stripe? It is a complicated situation.
One solution to this is direct charges and that the seller is responsible for refunds (impossible at the moment). The other solution would be automatic approved auto withdrawals scheduled from time to time (every 7 days for example) using Stripe split payments. In that way the splited amount of the vendor remains in stripe for the time necessary for the administrator to make a refund without problems. It is a way to comply with the laws. WC-Marketplace allows you to do this but I can’t find a way to do it with WCFM. Is it possible now?

Thanks

HI,

Once the split payment is made to vendor, stripe transfers the money to the vendor’s bank account in 7 days.

– Well, this is not split payment, normal withdrawal system.

WCFM Marketplace also has this. You have to setup withdrwal system accordingly – https://docs.wclovers.com/withdrawal/

Thank You

Hello,

I Will take a look at it.

Currently in Europe the laws do not allow the Marketplace’s admin to take control of the flow of payments to suppliers. It must be an automatic process.

Thanks

HI,

Yeah I know about this.

You may use Split Pay option, this is automatic. Admin has nothing to do with this.

Thank You

Hello
The laws grant the customer a minimum period of 14 days to refund the order. The disadvantage of using stripe split payment is that if the customer requests a refund after 7 days, the admin cannot refund because the money has already been deposited in the seller’s account.

In Europe it is only possible to use a payment method that allows refunds whithin 14 days and that the admin does not control the flow of payments. At the moment the only method similar is the periodic withdrawal system every 7 days 8plus 7 days of stripe) or more and with automatic admin approval. Although I don’t know if this method is valid at all.

Any more solution about it? For Europe it is necessary that you help us with it.

Thank you very much