#avgn
fierce flame
wicked escarp
Hi
So there are 3 types of amounts that can be calculated on a Stripe connected account
- We take all 'successful' payments and sum it
- Available to pay out
- Total balance
Would like to understand where does 2 and 3 come from
1 is self explanatory , it is the sum of all payments which are confirmed by the bank
(Note - we are using ach debit and card payment options)
balmy basalt
Legacy ACH with bank account objects?
Or the new ACH flow with PaymentMethod objects?
wicked escarp
New with payment element
balmy basalt
Thanks
Overall, 2/ is the funds that have moved to available after the delay_days that are associated.
3/ Would be pending + available
wicked escarp
Logic for delay_days please ?
balmy basalt
Depends on where your platform and/or Connected Accounts are located: https://stripe.com/docs/payouts#standard-payout-timing
wicked escarp
Okay
And.. The total balance
Is that amount confirmed to come or that amount can be reduced
balmy basalt
Well it can always be reduced via something like refunds or disputes.
But that's in your control.
wicked escarp
Yes that's a special case.
But let's say that an ach debit fails so will this amount reduce
Or that's already considered while calculating this amount
balmy basalt
With ACH Debit the funds won't be in the balance until we receive notice of success/failure
wicked escarp
Or let's say a user doesn't confirm the micro deposit amount
wicked escarp
With ACH Debit the funds won't be in the balance until we receive notice of succ...
But then in our case the difference between the total balance and sum of success status payments is very large
And all these are due to ach investments which are in processing since 11 November
So bit confused here
balmy basalt
Ah sorry, I'm mistaken.
wicked escarp
--
Is it like they are already successful but it takes T+2 days 'After' the success to uodate the intent status as success, but still it shows in total balance
balmy basalt
The ACH Debit will indeed be in pending balance until the 4 biz days
Yep that's correct.
wicked escarp
Means that amount can go down in case an ach fails correct ?
balmy basalt
Yes that's correct.
wicked escarp
Okay
So now
Let's assume there are no ACH but only card investments
Then the only difference between
Total of all success intents
And
Available balance
Is because T+2 days haven't passed for the latest intents
Correct ?
balmy basalt
Yep
wicked escarp
Okay
Final question - for an ACH intent to go into success status
Is the timeline T+4 days ?
And if yes will it take T+6 to be moved to available to payout
Or it is adjusted in T+4 itself
balmy basalt
T+4 (biz days) until available. See: https://stripe.com/docs/payments/ach-debit#timing for some more details
wicked escarp
Okay thanks
balmy basalt
Sure thing
balmy basalt
@wicked escarp are you still around?
balmy basalt
Yep no worries I wanted to correct sometihng
I had mixed up above that the T+4 was when ACH Debit moved to available
wicked escarp
Oh okay
balmy basalt
That is actually when the PaymentIntent succeeds and the funds remain pending until your delay days are up
So the T+2 from there
So it is actually ~T+6 for ACH to be come available. I'm going to file some feedback to clear up our docs on this
wicked escarp
Yes so T+4 to update status of intent to success
And T+6 for available to payout ?