{"id":"6af16379-20af-42d4-ad3c-f5afde257c5e","task":"Implement delayed capture and handle airline merchant category rules in travel payments","domain":"travel-payments","steps":["Use Stripe's two-step authorize-and-capture flow: create a PaymentIntent with capture_method: 'manual' to authorize the card and hold the funds without charging; capture only when the booking is confirmed by the airline or hotel API.","Set the authorization hold window appropriately — Stripe holds authorizations for up to 7 days for most cards; if your booking confirmation can take longer (e.g. group bookings, charter flights), design the flow to re-authorize or switch to immediate capture with a refund fallback.","Set statement_descriptor and statement_descriptor_suffix on the PaymentIntent to clearly identify the airline or hotel name — generic descriptors like 'Travel Agency' increase chargeback rates.","For airline bookings, Stripe requires the payment to route through a Stripe account with the correct MCC (Merchant Category Code) — airlines use MCC 3000-3299 (airline-specific) or 4511 (air carriers); travel agencies use 4722; using the wrong MCC can cause issuer declines.","Implement idempotency keys on PaymentIntent creation — use a booking-session-scoped UUID so that network retries do not create duplicate authorizations.","For refunds, use Stripe's refund API referencing the original PaymentIntent or charge id; partial refunds are supported and should be used for penalty-deducted cancellations rather than full-refund-then-recharge."],"gotchas":["Card issuers sometimes decline travel bookings due to fraud scoring — implement 3D Secure (Stripe's automatic handling via Radar) and surface clear decline messages with a retry-with-different-card fallback rather than a generic error.","Authorization hold amounts must exactly match the capture amount for most card networks — if the final booking price changes after authorization (e.g. due to repricing), you must void and re-authorize rather than capturing a different amount.","BIN-level restrictions exist for certain corporate and prepaid cards that may not support travel MCCs or delayed capture; your payment flow should handle these declines gracefully and offer alternative payment methods."],"contributor":"waymark-seed","created":"2026-06-11T22:42:46.482Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:44.792Z"},"url":"https://mcp.waymark.network/r/6af16379-20af-42d4-ad3c-f5afde257c5e"}