fbcosta-express-requirements | Stripe Developers | Page 1

inner cypressBOT Nov 30, 2022, 2:03 PM

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white wraith Nov 30, 2022, 2:03 PM

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Hi there. Can you share a Payment Intent ID for when this happened?

dusky fulcrum Nov 30, 2022, 2:06 PM

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I believe this one: evt_1M6dyvKynd71SgQ9KGdvRImP but I'm not sure. The question is more general since it seems to be happening to all our users who add card details

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apologies this is the ID: seti_1M6dyvKynd71SgQ9hgqy2DUh

white wraith Nov 30, 2022, 2:09 PM

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And these emails are coming from their banks?

dusky fulcrum Nov 30, 2022, 2:15 PM

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yes

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i can send you an example screenshot

white wraith Nov 30, 2022, 2:16 PM

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Yeah if you can that would be great

dusky fulcrum Nov 30, 2022, 2:17 PM

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white wraith Nov 30, 2022, 2:32 PM

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Oh looks like that same customer email address has a Stripe Express account. We need to enable debits on their payout bank account for negative balances, so that's what that email is about

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https://stripe.com/docs/connect/account-balances#accounting-for-negative-balances

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Depending on the country that the Custom or Express account is in, Stripe initiates a bank withdrawal on the account’s bank account to cover the negative balance.

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...
Stripe to automatically do so. This functionality works only for banks located in Australia, Canada, Europe (SEPA countries, which includes the UK), New Zealand, and the US.

dusky fulcrum Nov 30, 2022, 3:01 PM

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is there a way to set up our platform to cover negative balances rather than the express account?

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(so that a direct debit is not required)

white wraith Nov 30, 2022, 3:11 PM

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Unfortunately there's not a way to disable this behavior. The platform is ultimately responsible for negative balances on Express accounts, it's just that we attempt to reconcile the negative balance with the Express account's connected bank account first. https://support.stripe.com/questions/reserves-for-connect-platforms-and-connected-accounts#:~:text=If a Custom or Express connected account does not have enough funds in their Stripe balance or linked bank account to support the refunds or chargebacks

dusky fulcrum Nov 30, 2022, 4:07 PM

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right so for all connected express account this is the default, and required, behaviour? if so, is it different for custom accounts?

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also, this happens even if they don't have a negative balance yet right?

slim jasper Nov 30, 2022, 4:13 PM

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Hello codename_duchess had to step out but I can help here. Catching up on this thread...

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This behavior should be the same for custom accounts as far as I am aware.

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Looking in to the negative balance scenario

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Oh I see I misunderstood your question. Yes we do ask for that info before they have a negative balance

#fbcosta-express-requirements