joshandrews43 | Stripe Developers | Page 1

keen currentBOT Jan 19, 2023, 11:46 PM

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violet peak Jan 19, 2023, 11:48 PM

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Hi, can you add more details on your end goal? What do you want to do?

runic ginkgo Jan 19, 2023, 11:49 PM

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So we have custom T+1 timing on our platform for ACH to settle the day after transaction. We were told the reason it's still taking ~3-4 days for ach to pay out is because our payment intents use the on_behalf_of paramater, so it's pending using the connected account's settings.payouts.schedule.delay_days field, which can't be edited under manual payouts

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So we're going to try removing the on_behalf_of to get the faster settlement to apply to these transactions, but we're wondering if we have to consider anything else in terms of how this will affect payments (e.g refunds will need to be done differently or something like that)

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Or is that parameter really only for the statement descriptor and payout times

violet peak Jan 19, 2023, 11:57 PM

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No, a lot more changes. Typing up more comprehensive answer..

runic ginkgo Jan 19, 2023, 11:58 PM

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Also all our customers are US based btw

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So anything out of country we can ignore

violet peak Jan 19, 2023, 11:59 PM

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Can you elaborate on this 'So anything out of country we can ignore' please?

runic ginkgo Jan 20, 2023, 12:02 AM

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a lot of the docs around this parameter are for when the merchant and platform arnet in the same country

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all of our connected accounts are US based, all our customers are US based, and we are US based

violet peak Jan 20, 2023, 12:09 AM

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You'd wan to read how the different charges types work: https://stripe.com/docs/connect/charges

With on_behalf_of, the connected account the settlement merchant. So the end user would see this connected account on their bank statement. The funds would be settled and charged on the connected account's country and settlement currency. More details are found here: https://stripe.com/docs/connect/destination-charges#settlement-merchant

If you don't use on_behalf_of, you'd be using just the destination charge type, is that correct?

runic ginkgo Jan 20, 2023, 12:09 AM

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yes exactly

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we already use on_behalf_of and have for months but we are being told to remove it to get the benefit of platform settlement times

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so im just making sure with a technical person at stripe that this wont mess up our integration in other ways since my contact is an AE not a developer

violet peak Jan 20, 2023, 12:11 AM

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Without on_behalf_of, the merchant of record would be your Platform account. The end customers will see a different merchant moving forward.

runic ginkgo Jan 20, 2023, 12:11 AM

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that would be fine if that is all

violet peak Jan 20, 2023, 12:11 AM

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What are some of the concerns? Can you share so I can address them?

runic ginkgo Jan 20, 2023, 12:12 AM

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cancers as in issues with on_behalf_of?

violet peak Jan 20, 2023, 12:13 AM

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Sorry, concerns.

runic ginkgo Jan 20, 2023, 12:13 AM

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my main concern is that we have ~4k payments a month and im just concerned payments may fail or something since this is a fragile integration

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so im just double checking with a dev before we make a change recommended by a non-technical stripe person

violet peak Jan 20, 2023, 12:14 AM

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Off the top of my head, your dispute rates may increase initially as they won't recognize this 'new' merchant.

runic ginkgo Jan 20, 2023, 12:15 AM

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Ok thank you thats great info

#joshandrews43