Нужно создать двухступенчатую систему платежа через Stripe API (Separate authorization and capture)
и линк для отправки через имейл.
Stripe supports two-step card payments so you can first authorize a charge, then wait to settle (capture) it later. When a charge is authorized, the funds are guaranteed by the card issuer and the amount held on the customer’s card for up to seven days. If the charge is not captured within this time, the authorization is canceled and funds released.