Re:Stripe refunds: fees from the original charge are not ret...
by whatsmyusername on Thursday February 20, 2020 @07:58AM
(#22374733)
Plaid works the same way. The tech is hilariously terrible and the best option currently.
What they didn’t know initially was that some banks provide test accounts to customers where you can simulate transfers without transferring any money, and where you can simply enter your desired bank account balance (now that would be a killer feature for real online banking). Some people figured this out and used those fake accounts to make fraudulent orders.
So if you offer such testing card numbers you should make sure your customers need a specific workflow to handle them (e.g. by returning a special error response code that can be distinguished from a normal error).