Qualle

[gleaming scroll]

Hi there

Are you using these test cards to add balance to your account: https://stripe.com/docs/testing#available-balance?

[mortal raft]

yes so then its wanting me to select manual/automatic payouts

but we need both, because we are sometimes doing transfers

i.e. credits

from our account, and all the rest after the credit limit is reached is transferred between two connect accounts

[gleaming scroll]

I'm not sure I understand the use-case

Can you back up and explain in a bit more detail?

[mortal raft]

we have many custom connected accounts, all of which have the ability to transfer money from one to the other

some of these connected accounts, we want to issue a "credit" to

say $100

all transactions they make up to $100 get deducted from our balance

all transactions after $100 is reached, get transferred from the buyer connected account to the seller connected account

using destination payment

this was working perfect before, and has now stopped

[gleaming scroll]

It stopped working because of the above error? You don't have sufficient funds in your platform balance?

[mortal raft]

yes

I never saw this before, all the previous credits were working

[gleaming scroll]

Sounds like you always had sufficient funds previously then?

[mortal raft]

it would go

• credit $25
• credit $50
• credit $25
• charge $25

[gleaming scroll]

If you give me some examples I can look at then I can talk in more specifics

Like feel free to provide the request ID for the error above if it would be helpful for me to look at exactly what is happening

[mortal raft]

sure

anything under credit we use

payment = await stripe.transfers.create({
  amount,
  currency,
  destination,
  metadata,
});

anything above we use

payment = await stripe.paymentIntents.create(
  {
    amount,
    currency,
    customer,
    payment_method,
    off_session: false,
    save_payment_method: true,
    confirm: true,
    confirmation_method: 'manual',
    metadata,
    ...(destination && {
      application_fee_amount,
      transfer_data: {
        destination,
      },
    }),
  },
  { idempotencyKey }
);

req_R2A1VAc2eF1YXl

its looking like we are going to have to enable manual payments, and manage those in our schedule jobs in our cloud

manual payouts*

[gleaming scroll]

Yeah if you are planning on creating transfers from your platform that don't involve destination charges, then you will want manual payouts.

The only time this wouldn't be true is if you are creating those transfers immediately after receiving a payment

But sounds like that isn't the case here

[mortal raft]

ah so maybe the message about manual payouts is only hinging on the null balance

[gleaming scroll]

Yeah I mean that is just a generic error message that happens when you are trying to create transfers with insufficient balance and you are on auto payouts

[mortal raft]

got it

[gleaming scroll]

But mostly you do want manual payouts when you are creating separate transfers

[mortal raft]

so... our account must have a balance to do an auto payout? it doesn't like ach from our bank or anything

I'm also noticing the payout scheduling persists across live and test modes

[gleaming scroll]

Yes no auto payout would occur if you don't have any available balance

[mortal raft]

but I can't add a balance because it says must be manual

so confused lol

[gleaming scroll]

lol yeah that's not correct.

You can always add to your balance

Regardless of your payout schedule

[mortal raft]

hmm let me try

[gleaming scroll]

It is just that if you are on auto payouts, then your available funds will get paid out once per day.

[gleaming scroll]

Okay that is different, if you want to use top-ups then yes you must be on manual payouts.

I assumed you are just taking payments.

[mortal raft]

ok thank you

now... "manual" payouts implicates that we must parse all our customer data on our end, then issue the payouts

we have thousands of customers

[gleaming scroll]

What do you mean by "parse customer data" exactly?

[mortal raft]

we need this to be automated somehow

[gleaming scroll]

Your platform can be on a different payout schedule than your Connected Accounts

[mortal raft]

wait so... the connected accounts will draw from this balance automatically?

under the hood

[gleaming scroll]

No. They have their own balance.

You are just moving funds from your platform balance to a connected account's balance.

[mortal raft]

right that makes sense

I think I got it now

so in the case of our credit system, the transfer I posted above in code

below credit limit

will be the "manual" api payout

[gleaming scroll]

Nope lol

A transfer is not a payout

They are completely different

A payout is when funds move from a Stripe Account to an external bank account

A transfer is when funds move from a Platform Stripe Account to a Stripe Connected Account

[mortal raft]

I dont even need to worry about payout here then

1. to add a balance to transfer to connect account I had to enable manual payouts
2. when the transfer takes place, it pulls from this balance I added
3. everything above credit will transfer from connect accoutn A to B and from A's balance

[gleaming scroll]

Let's clarify on 3/

You can't transfer funds between two Connected Accounts

You can only move funds from a Platform to a Connected Account

Above you showed code for a destination charge.

That would charge an end-customer on your Platform and then automatically transfer funds from your Platform to a Connected Account

[mortal raft]

right, same affect just ... I understand

[gleaming scroll]

Okay as long as that is what you mean above then sounds good

[mortal raft]

its a marketplace

like doordash

[gleaming scroll]

Sure

Just sometimes folks want to move funds between their Connected Accounts, and that isn't possible

[mortal raft]

I've seen buyer get charged on our system, and payout go to seller

[gleaming scroll]

So wanted to make sure that isn't what you are trying to do

[mortal raft]

in test mode

[gleaming scroll]

Right that is a destination charge

I think you just confused me with the language you used

Sounds like you got it covered

[mortal raft]

but for that we need automatic payouts? 😢

[gleaming scroll]

No you don't? Not for your platform.

You can still use automatic payouts for your Connected Accounts

So your seller will automatically get paid out.

[mortal raft]

ok, sorry just under some pressure here

[gleaming scroll]

No problem

[mortal raft]

thought I ruined the whole thing

[gleaming scroll]

At no point should you have to put your Connected Accounts on manual payouts

Your Platform, yes.

[mortal raft]

wow ok

[gleaming scroll]

But not your Connected Accounts

[mortal raft]

thank you so much today

[gleaming scroll]

Sure thing

[mortal raft]

I'll report back here with any issues

[gleaming scroll]

Sounds good! We'll be here

[mortal raft]

platform payouts are payouts to US

ugh

so simple

[gleaming scroll]

lol yes 🙂