Capchase Pay paymentsPrivate preview

Capchase Pay is a payments solution that enables SaaS businesses to offer customers flexible payment terms while collecting annual contract value up front. This helps both the software businesses and buyers manage their cashflow while reducing buying friction.

Payment flow

Below is a demonstration of the Capchase Pay payment flow from your checkout page:

Get started

You don’t have to integrate Capchase Pay and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable Capchase Pay. To get started with one of our hosted UIs, follow a quickstart:

• Checkout: Our prebuilt, hosted checkout page.
• Elements: Our drop-in UI components.

Other payment products

The following Stripe products also let you add Capchase Pay from the Dashboard:

• Payment Links

If your integration requires manually listing payment methods, learn how to manually configure Capchase Pay as a payment .

Payment options

The minimum charge limit is 2,500.00 USD.

The maximum charge limit is 999,999.99 USD.

Allowed business categories

The following business categories are the only ones allowed to use Capchase Pay:

• Computer Network Services
• Computer Programming
• Computer Software Stores
• Computers, Peripherals, and Software
• Digital Goods – Applications (Excludes Games)
• Information Retrieval Services
• Other categories at the discretion of Capchase Pay

Additional requirements

By enabling Capchase Pay, acknowledge that:

• Disputes between you and your customer will not impact the customer’s obligation to pay Capchase.
• Where a customer fails to comply with its payment obligation, you will cooperate with Capchase and promptly suspend that customer’s access to your product, software, or services upon receipt of a written request from Capchase.
• You are responsible for maintaining commercially reasonable business practices consistent with the industry standards applicable to you in your fulfillment of your obligations under your contracts with customers.

Disputes

Capchase Pay has a claims process that allows transaction disputes. Customers can open disputes for cases of suspected fraud, double payments, or a difference between an order and a transaction amount.

After the customer initiates a dispute, Stripe notifies you using:

• Email
• The Stripe Dashboard
• An API charge.dispute.created event (if your integration is set up to receive webhooks)

Stripe holds back the disputed amount from your balance until Capchase Pay resolves the dispute.

We request that you upload compelling evidence proving that you fulfilled the purchase order using the Stripe Dashboard. This evidence can include the:

• Tracking ID
• Shipping date
• Record of purchase for intangible goods, such as IP address or email receipt
• Record of purchase for services or physical goods, such as phone number or proof of receipt
• Record of refund (for purchase you’ve already refunded)

To handle disputes programmatically, respond to disputes using the API.

This information helps Capchase Pay determine if a dispute is valid. Make sure the evidence you provide contains as much detail as possible from what the customer provided at checkout. You must submit the requested information within 12 calendar days. If Capchase Pay resolves the dispute with you winning, we return the disputed amount to your Stripe balance. If Capchase Pay rules in favor of the customer, the balance charge becomes permanent.

Refunds

Capchase Pay supports full and partial refunds. The refund period is up to 180 days after the purchase. Refunds for Capchase Pay payments are asynchronous and take up to 5 minutes to complete. Stripe notifies you of the final refund status using the refund.updated or refund.failed webhook event. When a refund succeeds, the Refund object’s status transitions to succeeded. If a refund fails, the Refund object’s status transitions to failed and we return the amount to your Stripe balance. You’ll then need to arrange an alternative way of providing your customer with a refund.

Connect

If you use Connect, you must consider the following before you enable and use Capchase Pay.

Request Capchase Pay capabilities for your connected accounts

Set the capchase_pay_payments capability to active on your platform account, and on any connected accounts you want to enable Capchase Pay for. You can also request more account capabilities.

Merchant of record and statement descriptors

The charge type of Connect payments might change the default statement descriptor and the merchant name that appears on the customer’s banking application and confirmation emails.

Supported currencies

You can create Capchase Pay payments in the currencies that map to your country. The default local currency for Capchase Pay is usd and customers also see their purchase amount in usd.