card-funding-risk

Card Funding Risk

Stripe MCP Setup

Requires Stripe MCP connected via OAuth or restricted key. Docs: https://docs.stripe.com/mcp

1. GetMcpTools with server: "user-Stripe" (or plugin-stripe-stripe) before any call
2. Prefer stripe_api_search → stripe_api_details → stripe_api_read for list/retrieve
3. Always paginate — limit: 100, follow has_more with starting_after
4. Amounts are in cents unless noted
5. Never expose secret keys in output

Workflow

1. Paginate GetSubscriptions — statuses: active, past_due, trialing
2. Expand data.default_payment_method
3. Read payment_method.card.funding: credit | debit | prepaid | unknown
4. Cross-tab: funding × status (active vs past_due)

MRR Normalization

Same as mrr-arr-snapshot — report prepaid/debit MRR separately.

Blocking Options

Approach	Catches	Misses
Radar: Block if :card_funding: = 'prepaid'	Prepaid, many disposable	Virtual debit
Radar: 3DS on new cards	Fraud, some disposable	Low-balance debit
Webhook reject on prepaid	Post-checkout cleanup	After first charge

Requires Radar for Fraud Teams for custom rules.

Output Template

Card Funding Audit

| Status | Credit | Debit | Prepaid | Unknown |
|--------|--------|-------|---------|---------|

Past due with prepaid: [n] / [total past_due]
Active with prepaid: [n] / [total active]

Prepaid subs (detail):
| sub | last4 | country | MRR |

Recommendation: [block prepaid / 3DS / monitor debit past_due rate]