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Hi @thedrap,
We don’t have this feature in Stripe or PayPal. PayPal has a feature called Authorize, which allows you to take no money up front and bill at a later date, but it sounds like you want to collect money upfront and charge later if necessary.
There is a solution if you don’t mind charging customers manually. You can go to: https://dashboard.stripe.com/payments/new and charge any previous customers a one off payment. I think that would be what you need.
Hope that helps. If not, feel free to reply.
Scott