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Comment: Stripe refund update

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Please see the Fall 2020 Payment System Update for details on the transition from FirstData to Authorize.net.

inLeague's Role - Transaction Broker through Stripe

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Over the years, it has become evident that our leagues may derive some benefit should inLeague assume a larger role in this process, and we are currently investigating this possibility for 2021 onor later.

Stripe: Card Processing for inLeague from Summer 2020 on

Every league must have at least one Stripe account. inLeague initiates the setup process, which is then completed on-line by a league commissioner or treasurer. Leagues with multiple bank accounts that wish to segregate funds by program may set up additional Stripe accounts at no additional charge.

You may use a single Stripe account for all programs and events for your league, or you may set up multiple Stripe accounts if you need funds from those accounts to be deposited into different bank accounts. The only limitation is that each Stripe account must have a unique email address – you cannot sign up for two Stripe accounts under the same email. We recommend using a league-affiliated email, and if you have more than one account, you may use an email alias. For example, if your email is soccer@inleague.io, you could set up a second account under soccer+secondary@inleague.io – email to that second address will still go to soccer@inleague.io (as email accounts ignore everything after a + sign) but it will still be counted as a separate address under Stripe.

General questions about inLeague's integration with Stripe may be sent to inLeague support at support@inleague.io. Specific questions about Stripe's fees or individual transactions should be sent to the inLeague account representative at Stripe:

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Refunds and Expired / Canceled Cards

Almost all refunds are "linked" to the original transaction and can only be applied to the card used for that transaction. If a card expires and is re-issued with a new expiration date, typically this will not prevent refund processing; the account number is the same and the payment gateway considers it the same card; expiration dates can be validated for payments but they are not validated for refunds. 

If a card has been canceled or re-issued due to fraud such that the card number has changed, then the original account is no longer activeQ: Are we charged fees for refunds?

A: Stripe Fees are charged at the time the charge is initiated. There are no additional charges for refunds, but under ordinary circumstances, the original fees are not returned per Stripe's policy.  If if charge is made for $100, $3.00 is subtracted (2.7% plus 30 cents) and $97 is credited to your Stripe account. If you later refund the entire charge, $100 is deducted from your Stripe account. If there is not a sufficient balance, Stripe will debit your linked bank account. There are two exceptions:

  1. Refunds made shortly after the charge is submitted (aka "reversals" or "voids"): Transactions 'settle' less than 24 hours after they are submitted. Refunds issued before a transaction settles do not incur Stripe Fees – but there is no way for inLeague to determine when a transaction has settled. 
  2. Exceptional Cases (e.g. global pandemics): Depending on the reasons why refunds are being issued, Stripe has in certain cases returned all of their fees. Outside of large-scale scenarios, Stripe's willingness to do so is between the league and Stripe.

Q: Can a transaction be refunded if the original card used has expired or been replaced?

A: Stripe handles refunds a little differently than other processors. Previously, there was a good chance that a card that had been re-issued, either because of a expiration or fraud, would not accept a refund. Stripe has a mechanism called Automatic Card Updater that works with payment networks to automatically update cards on file in these cases so that recurring transactions and refunds will work even if the card number has changed, but whether this mechanism catches any particular card depends upon the issuer. In practical terms, this means that refunds are less likely to be declined; however, when declines do happen, they may not happen right away, because Stripe makes an attempt to reconcile any updates to the card that inLeague may not be aware of. If it is unsuccessful, a refund that had been flagged as processed will be voided, and inLeague will attempt to notify the party that issued the refund and the party responsible for the charge.

It is not possible to issue a refund to an entirely separate card (called an 'un-linked credit'). Neither Stripe nor inLeague support un-linked credits

Transactions Issued Through Stripe

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