You can use either All or Nothing (AoN) or Keep it All (KiA) campaigns with Thrinacia Reach. You can decide which type of campaign you want when you create it.
All or Nothing campaigns are post processed. This means the actual processing of raised funds (i.e. collecting charges) is done after a 5 day interval. Keep it All campaigns use immediate processing (i.e. collection of funds is done at point of contribution). With both methods payments go directly to your Stripe account.
When campaigns are post processed (All or Nothing mode) you also have a choice to either continue with campaign or abandon the campaign. If the campaign is abandoned then funds will be automatically returned to the contributors. In Keep it All mode funds are immediately collected and need to be returned via Stripe user interface to contributors in case you decide to back out of the campaign.