如何使用Paypal或Stripe向一个接收者延迟付款？

Question

我有一个应用程序，即向应用程序所有者处理付款 当用户点击＆＃34;购买＆＃34;在某个项目上，结账操作应该在某个日期之前授权用户帐户中的某些金额。并且当该日期到来时，将从用户的帐户捕获授权资金到应用程序所有者的帐户。 用户也可以通过申请取消此授权。

我们可以免费使用Paypal API或Stripe。哪个更好，如何实施？

Answer 1

是的，可以通过paypal自适应支付api。

Answer 2

我不确定＆＃39;冻结用户帐户的某些金额＆＃39;是的，但你可以肯定地将金额转移到持有账户（管理员账户），然后在特定日期将其转移到所有者的账户，同时如果用户取消支付，金额可以从持有转移帐户回到用户的帐户。这个选项在paypal中。

Answer 3

What you're looking for is a functionality called auth/capture. What you're essentially doing is authorizing the funds (holding them on the user's payment source) and then capturing them at a later time. This is the same premise as a hotel putting a hold on your credit card for incidentals, and later canceling the hold.

You can do all of this with the PayPal REST API. Here are the features you're looking for:

• Authorizing funds: https://developer.paypal.com/docs/api/#authorizations
• Capturing funds (at a later time): https://developer.paypal.com/docs/api/#captures
• Voiding (canceling) an authorized hold of funds: https://developer.paypal.com/docs/api/#void-an-authorization

Here's the Ruby SDK that you'll probably want to take a look at using, to make the authorization process easier: https://github.com/paypal/PayPal-Ruby-SDK

A few notes here. With authorization, I believe the funds are guaranteed to be there for 3 days. You can continue trying to capture the funds for up to, I believe, 29 days, but the funds are not guaranteed to be there.

Hope that helps