Sarvesh -Collect then Transfer | Stripe Developers | Page 1

white maple Sep 6, 2022, 10:21 AM

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Hi there!
Can you share the ID (req_xxx) of the failing API request?
https://support.stripe.com/questions/finding-the-id-for-an-api-request

rancid imp Sep 6, 2022, 10:21 AM

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ok

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req_cUSQJKBokl1yTY

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{
"account": "acct_1LeyoIAc3rv5tCBx",
"return_url": "https://02c9-103-80-116-218.in.ngrok.io/returndata",
"type": "account_onboarding",
"refresh_url": "https://02c9-103-80-116-218.in.ngrok.io/refreshdata"
}

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{
"error": {
"message": "You must update your Connect branding settings with business name, icon, brand color in order to create an account link. You can set the missing fields at https://dashboard.stripe.com/settings/connect",
"type": "invalid_request_error"
}
}

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white maple Sep 6, 2022, 10:32 AM

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thanks for sharing, taking a look

strange plover Sep 6, 2022, 10:33 AM

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I think the error is self explanatory @rancid imp and tells you exactly the next step, do you have a specific concern?

rancid imp Sep 6, 2022, 11:16 AM

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yes, while creating account i need to do it from api call or from the stripe UI in test mode i need to fill it only once?

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for every account creation Connect branding settings with business name, icon, brand color etc needs to setup from api call?

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$account = $stripe->accounts->create([
'country' => 'US',
'type' => 'express',
'business_type' => 'company',
'business_profile' => ['url' => 'https://www.w3schools.com/'],
]);

    if(!empty($account) && isset($account->id)) {
        $accountLinks = $stripe->accountLinks->create(
            [
              'account' => $account->id,
              'refresh_url' => 'https://02c9-103-80-116-218.in.ngrok.io/refreshdata',
              'return_url' => 'https://02c9-103-80-116-218.in.ngrok.io/returndata',
              'type' => 'account_onboarding',
            ]
          );
    }

strange plover Sep 6, 2022, 11:19 AM

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rancid imp yes, while creating account i need to do it from api call or from the stripe UI ...

yes you only do it once

strange plover Sep 6, 2022, 11:19 AM

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rancid imp for every account creation Connect branding settings with business name, icon, b...

no, its not for every account you create. It's the branding of your platform account.

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when the users sign up they have to see the name of your business and a page with "Sign up for Sarvesh's Marketplace" and your company logo; you set that up once, in your platform settings.

rancid imp Sep 6, 2022, 11:22 AM

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ok, so once i finished this one type setup with my brand above code will work and return me the account link?

strange plover Sep 6, 2022, 11:22 AM

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it should, you can try it out

rancid imp Sep 6, 2022, 11:23 AM

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ok, I will update you in few minutes, thanks

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yes, I received the account link and completed the steps for the connected account registrations and I can see it in Connected accounts with status Enabled
But after completion of process, its redirected back to my URL with empty array()
https://02c9-103-80-116-218.in.ngrok.io/returndata

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is it correct or I should get all info of newly registered account in the response to save on my side?

strange plover Sep 6, 2022, 11:38 AM

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its redirected back to my URL with empty array()
we redirect the browser to your URL, as a GET request, so there's no POST data, yes

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I think there's an ?account=acct_xxx in the URL when we redirect to you(you can check in test mode), your script can try to read that, then call the API to retrieve the Account object(https://stripe.com/docs/api/accounts/retrieve) and do what you need to do.

rancid imp Sep 6, 2022, 11:40 AM

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ok, I will try again

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in the current redirected url I can not see any account id attached as param in url.
https://02c9-103-80-116-218.in.ngrok.io/returndata

strange plover Sep 6, 2022, 11:42 AM

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perhaps I was wrong then. Either way , you get an account.updated webhook event. You should also be able to authenticate the user from your own cookies and look up the account ID you saved for them when you created their account.

rancid imp Sep 6, 2022, 11:45 AM

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So i need to add Webhooks in test mode for "Events on your account" and "Events on connected accounts" ?

gray stump Sep 6, 2022, 11:46 AM

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Hi! I'm taking over this thread.

rancid imp Sep 6, 2022, 11:47 AM

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What is the use of
'refresh_url' => 'https://02c9-103-80-116-218.in.ngrok.io/refreshdata',
'return_url' => 'https://02c9-103-80-116-218.in.ngrok.io/returndata',

mentioned while creating account?

gray stump Sep 6, 2022, 11:47 AM

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If you want to listen to account.updated event from your connected accounts, then yes you need to create a connect webhook endpoint on your platform.

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mentioned while creating account?
You mean when creating an account link?

rancid imp Sep 6, 2022, 11:49 AM

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if(!empty($account) && isset($account->id)) {
$accountLinks = $stripe->accountLinks->create(
[
'account' => $account->id,
'refresh_url' => 'https://02c9-103-80-116-218.in.ngrok.io/refreshdata',
'return_url' => 'https://02c9-103-80-116-218.in.ngrok.io/returndata',
'type' => 'account_onboarding',
]
);
}

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yes, will this refresh / return url does not get any info back from stripe?

gray stump Sep 6, 2022, 11:52 AM

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These parameters are explained in the documentation here: https://stripe.com/docs/api/account_links/create

rancid imp Sep 6, 2022, 11:57 AM

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return_url
REQUIRED
The URL that the user will be redirected to upon leaving or completing the linked flow.
so it does not return any data with it so this URL will be the same url from the account link is clicked?

gray stump Sep 6, 2022, 12:00 PM

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I just tested and yes, we redirect exactly to the return_url (no data is sent).

rancid imp Sep 6, 2022, 12:00 PM

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ok fine

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so once I am back to return url and connected account it is created then which step I need to do for get some money from customer and transfer portion of it to service provider?

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We recommend using Stripe Checkout, a prebuilt Stripe-hosted page, to accept payments. ?

gray stump Sep 6, 2022, 12:08 PM

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I recommend reading this: https://stripe.com/docs/connect/charges

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And in general we recommend using Checkout Sessions to accept payments.

rancid imp Sep 6, 2022, 12:11 PM

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ok checking

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I have done following now by Creating separate charges and transfers manually at code level by taking last created connected account id from the Stripe UI

    Stripe::setApiKey(config('services.stripe.stripeSecret'));
    $method = PaymentMethod::create([
        'type' => 'card',
        'card' => [
          'number' => '4242424242424242',
          'exp_month' => 12,
          'exp_year' => 34,
          'cvc' => '314',
        ],
    ]);
    $paymentIntent = PaymentIntent::create([
        'payment_method_types' => ['card'],
        'payment_method' => $method->id,
        'amount' => 800,
        'currency' => 'gbp',//'usd',
        'transfer_group' => 'testorder10',
        'confirm' => true,
    ]);

sleep(3);
$transfer = Transfer::create([
'amount' => 100,
'currency' => 'gbp',//'usd',
'destination' => 'acct_1LezxvPSK0cme62N', //'acct_1LefCPPSLfI3YlCp', // config('services.stripe.stripeHostAccount'),
'transfer_group' => 'testorder10',
]);

But I am getting error as
You have insufficient funds in your Stripe account. One likely reason you have insufficient funds is that your funds are automatically being paid out; try enabling manual payouts by going to https://dashboard.stripe.com/account/payouts.

Stripe Login | Sign in to the Stripe Dashboard

Sign in to the Stripe Dashboard to manage business payments and operations in your account. Manage payments and refunds, respond to disputes and more.

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what is wrong with above code / steps?

gray stump Sep 6, 2022, 12:18 PM

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You should set source_transaction when creating the transfer https://stripe.com/docs/api/transfers/create#create_transfer-source_transaction

rancid imp Sep 6, 2022, 12:19 PM

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ok, so I need to pass "source_transaction" => "{CHARGE_ID}",
from where i will get this {CHARGE_ID} ?

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from PaymentIntent response?

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"charges": {
"object": "list",
"data": [
{
"id": "ch_3Lf0dxALTlZ8nxc301jqGGiv",
"object": "charge",
"amount": 800,

so the charge_id: ch_3Lf0dxALTlZ8nxc301jqGGiv ?

gray stump Sep 6, 2022, 12:23 PM

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Exactly.

rancid imp Sep 6, 2022, 12:23 PM

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ok, trying again

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now previous error gone and got new one
The currency of source_transaction's balance transaction (usd) must be the same as the transfer currency (gbp)

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now it works after make usd at both places

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now i can see in platform account it receives
$8.00USD Succeeded
and in connected account shows balance of $1.02
but as per above code I transferred amount 100 so $1 so how it changes to $1.02?

gray stump Sep 6, 2022, 12:38 PM

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now it works after make usd at both places
Great!

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but as per above code I transferred amount 100 so $1 so how it changes to $1.02?
I'm not sure I follow. Can you share the PaymentIntent ID?

rancid imp Sep 6, 2022, 12:47 PM

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yes

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{
"id": "pi_3Lf0dxALTlZ8nxc30c7euzaT",
"object": "payment_intent",

gray stump Sep 6, 2022, 12:55 PM

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So this is a PI for $8. Then you did a transfer for this PI? Can you share its ID?

rancid imp Sep 6, 2022, 1:01 PM

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{
"id": "tr_3Lf0t1ALTlZ8nxc31rrOTMvw",
"object": "transfer",

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maybe Default currency
GBP
so it convets $1 to 1.2 gbp?

gray stump Sep 6, 2022, 1:03 PM

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Thanks. This is a transfer for $1. But yes like you said it then gets converted to the default currency of the connected account to GBP

rancid imp Sep 6, 2022, 1:07 PM

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hmm but still why it is 1.2? it should be 0.85 gbp right?

gray stump Sep 6, 2022, 1:08 PM

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Where do you see 1.2? Can you share a screenshot or object ID?

rancid imp Sep 6, 2022, 1:10 PM

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gray stump Sep 6, 2022, 1:18 PM

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I just checked the balance of your connected account (acct_1LezxvPSK0cme62N), and it's only 0.85 GBP. So what you see in the dashboard might be rounding error.

rancid imp Sep 6, 2022, 1:20 PM

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hmm ok

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Here is our workflow on the website

Our website is platform for events so website owner will register on strip and create account will be say OwnerAccount
There will be different event hosts who will register on site and to host/publish events
So we will create connected host accounts under OwnerAccount using owners Stripe Secret key
We will create account link for HostAccount and ask him to complete stripe registration steps so he will get added under connected account
Host will create some paid events and participants will register for it by paying online
Then from the registration amount e.g. $10, Owner should get $2 and host should get $7 and remaining say $1 will be processing fee of stripe

Will this get covered with the workflow which I have completed just now right?

rancid imp Sep 6, 2022, 1:46 PM

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there?

thorn cradle Sep 6, 2022, 1:46 PM

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Hi 👋 I'm jumping in as my teammate needed to step away, please bear with me a moment while I catch up on the context here.

rancid imp Sep 6, 2022, 1:46 PM

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sure, thanks

thorn cradle Sep 6, 2022, 1:49 PM

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Just making sure I'm following your flow correctly, because it sounds like something that isn't supported, are you planning to create Connected Accounts from your Platform and then create Connected Accounts for your Connected Accounts?

rancid imp Sep 6, 2022, 1:56 PM

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ok, I will repeat the workflow

our website will be event hosting platform and website owner will have stripe account
using that stipe account secret key, we will create connected accounts via apis
$stripe->accounts->create()
$stripe->accountLinks->create()
and then we will redirect user to account links where he will complete his registration and add the bank details etc.
Then we will need to get the newly created connected account id somehow via stripe apis. For now I have hardcoded it by coping it from stripe UI.
So that I will call further apis
PaymentIntent::create() and
Transfer::create()
with
'destination' => 'acct_1LezxvPSK0cme62N',
"source_transaction" => $paymentIntent->charges->data[0]->id,

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So from event registration fee say $10 then our web platform we keep $2 and transfer $7 to event host company and $1 may be processing fee of stripe

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will this get achieved from above api calls?

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event hoster will create events on web platform and event participient will pay fee of it which we need to distribute in webplatform $2 and event hosts $7

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is this correct?

thorn cradle Sep 6, 2022, 2:05 PM

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Yes, that looks right

rancid imp Sep 6, 2022, 2:06 PM

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'destination' => 'acct_1LezxvPSK0cme62N', I have hardcoded so how I will get it from the api?

thorn cradle Sep 6, 2022, 2:08 PM

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The ID of the created account is returned in the response provided to the creation request.

rancid imp Sep 6, 2022, 2:09 PM

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yes, but in return url redirects to page without any data.
so I think the flow will get cut off there?

thorn cradle Sep 6, 2022, 2:10 PM

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I'm not sure I follow, the Account is being created by your backend so the frontend redirect doesn't seem relevant unless I'm overlooking something.

rancid imp Sep 6, 2022, 2:11 PM

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no, the account creation and connected account link will be done from the frontend itself

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via api calls

thorn cradle Sep 6, 2022, 2:11 PM

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It shouldn't be if you're using your secret key.

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If you transmit your secret key to your frontend code, then everyone accessing your frontend could access your secret key and make requests for your account.

rancid imp Sep 6, 2022, 2:13 PM

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no it will be done in php side so it will not get disclosed to anyone

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server side

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frontend/ backend => client / server ?

thorn cradle Sep 6, 2022, 2:14 PM

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Yeah

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So if you have the Account ID server-side, why does a client-side redirect impact the availability of that information? If it does, then it sounds like you'll need to add some sort of persistency layer to hold that information.

rancid imp Sep 6, 2022, 2:15 PM

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ok, is there any api which can return the last created connected account?

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just to cross check

thorn cradle Sep 6, 2022, 2:17 PM

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You can list all connected accounts:
https://stripe.com/docs/api/accounts/list
Our list endpoints return objects ordered from most recently created to oldest.

If you rely on that approach though, it seems like your flow wouldn't be able to handle multiple accounts in parallel.

Stripe API reference – List all connected accounts – curl

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rancid imp Sep 6, 2022, 2:17 PM

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i see ok

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so I need to handle it from server side only from the response of connected account creation and process paymentIntent and transfer create calls

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right?

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ignore the redirect url? But if the connected account links - steps do not complete or any wrong data provided by the event hosts then how to stop process further and call refresh url again?

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any webhooks will help in this case?

thorn cradle Sep 6, 2022, 2:24 PM

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Yes, you should listen for webhook events to know when the connected account is ready before attempting to process a payment for them.
https://stripe.com/docs/connect/webhooks

You'll want to use a Connect webhook endpoint to listen for events from your connected account, and listen for account.updated events.

rancid imp Sep 6, 2022, 2:24 PM

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perfect. I will opt for it

#Sarvesh -Collect then Transfer