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Not accepting top-up credit cards for Stripe payments?

Tarki
Mar 15, 2022 7:56 AM
Joined May, 2020 54 posts

Hello there,

We sometimes can not collect the cancellation penalty due to top-up credit cards being used for bookings. Is there any possibility to stop these type of cards being accepted? or maybe making it optional (to accept or not) on the account, so the account owner decides what to do?

 

Paul W
Mar 15, 2022 8:05 AM
OR Team Member Joined Jun, 2009 711 posts

Hi Tarki, can you refund a smaller amount instead of trying to collect a new payment?  Perhaps that's what you already tried, but typically when there's a cancellation penalty, it's collected by simply refunding a smaller amount from what the guest originally paid.

Tarki
Mar 15, 2022 8:31 AM
Joined May, 2020 54 posts

Hi Paul,

 

Thank you for your reply!

 

In our case (I think it'll be unusual for many here), we mainly rely on 20% deposit payment and we don't collect the 80% until the guest arrives. Cancellation fees are higher than the 20% deposit.

 

I know this process will sound strange but we'd like to keep this. Therefore my question about not allowing toğ-up credit cards is still valid. Is there any way of doing it?

 

 

Paul W
Mar 30, 2022 4:09 PM
OR Team Member Joined Jun, 2009 711 posts

Thanks for explaining the use case.  I understand the problem now.  We debated this internally a bit, and unfortunately we don't see any way that you can charge a top-up (or prepaid) card for an additional amount beyond what you initially charged.  Really, it would depend on the limits of the card itself - how much was on it, does it allow multiple transactions, and so on.  They very greatly based on who issues them and whether they have fin-tech coding as part of them.