We're having a problem where we used AcceptJS API for recurring billing, but we don't know if the customer's card will clear until our cutoff time. We're losing money when this happens. Is there a different option I can use with AcceptJS to ensure the customer has funds and hold that amount until the cutoff time?
The way we're doing it now is we're using AcceptJS API to get our Payment Nonce from the credit card using Accept.dispatchData(). Then, when we receive a valid Payment Nonce, we submit it to our server with the ARBCreateSubscriptionRequest XML to https://api.authorize.net/xml/v1/request.api. This works and if the customer has money in their funds at the cutoff time, and the credit card is correct, then it will charge the customer. Where it doesn't work is if the customer doesn't have enough money anywhere from the time they purchase and our cutoff time, or if their credit card is incorrect.
We need help to understand if there's a different way to do this in the options so that we can put a hold on those funds with the customer until the cutoff time, like a pending charge. That way, the customer gets instant feedback on whether the transaction's going to go through or not, rather than us having to do a Dunning process of calling the customer back to say that their charge did not go through.
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