#CR
dim vigilBOT
:question: Have a non-technical question, account issue, or need one-on-one support?
We wish we could help, but this community is focused on developers and technical discussions. Our support team will be able to assist you better than we can: https://support.stripe.com/contact
raven mantle
Its not a non technical thing I think, bcz Stripe Support has no clue either. I talked to them yesterday for about an hour and the solution i got was not so effective.
For some reason, someone keeps making new express accounts to do fraudlent payments
I disabled Phillipines in the Express Settings
yet he keeps making accounts from Phillipines
idk how he is able to do it
see all of them are from phillipines
ornate shard
the status is Restricted
raven mantle
but phillipines is disabled
raven mantle
the status is Restricted
yes coz i manually disabled them
raven mantle
acct_1Mnjg7E4U9l4eQl6
Also i need a solution that for any new connected account, the first payout should not be done for atleast 7 days
So that I have enough time to see if it was a fraudulent account or not
bcz this guy keeps making new accounts and for some reason within 24hours he gets the payout and then i have no chance to refund those payments
coz the funds are already in transit to his bank account
ornate shard
Also i need a solution that for any new connected account, the first payout shou...
you can configure the payout schedule as described here https://stripe.com/docs/connect/manage-payout-schedule
raven mantle
is it possible to do it for just the first payout?
ornate shard
the account ID you gave me is from a US account
you can change the schedule afterwards
quartz onyxBOT
raven mantle
ah sorry lemme recheck
acct_1Mnjg7E4U9l4eQl6
no its Phillipines
is it possible that they are creating a US account and then changing it to Phillipines?
raven mantle
Weird. in Stripe documentation it was written that country of an account can never be changed later
ornate shard
they are changing the country from the dashboard
I'm not sure how, we don't have a full understanding of what capabilities the dashboard has
raven mantle
the link u just sent doesnt work
i just checked my own express account
there is no option to change the country in there
is there a way to auto-restrict an express account if its a transfer destination of ateast X failed payments?
fleet grove
No, you'd need to manually implement controls like that
raven mantle
ok. this could be a good way to control fraud.
raven mantle
I'm not sure how, we don't have a full understanding of what capabilities the da...
any solution to this?
fleet grove
To what?
raven mantle
that how are they changing the country after onboarding is done
fleet grove
Which account has changed their country?
raven mantle
acct_1Mnjg7E4U9l4eQl6
the logs say they created an account from US
but my dashboard shows their country as Phillipines
fleet grove
Looks like country: 'PH' was set on creation to me: https://dashboard.stripe.com/logs/req_imo0MxEhoGkIOR
That's the creation request for acct_1Mnjg7E4U9l4eQl6
To be clear the user can choose their country during onboarding
raven mantle
nop
fleet grove
Any parameters you stipulate aren't necessarily enforced
raven mantle
let me show u my logs:
fleet grove
As I just said, that log is from the onboarding flow
fleet grove
If you want to restrict which countries can onboard with you, then you manage that here: https://dashboard.stripe.com/settings/connect/express
raven mantle
raven mantle
If you want to restrict which countries can onboard with you, then you manage th...
i have already disabled Phillipines from there. But he somehow keeps onboarding
thats why i created this thread
to know how is he able to do this.
Check this:
First he signs up on my website as a US user. and my website creates his account on Stripe for US too: https://dashboard.stripe.com/logs/req_L5U3ht3kSIZTaD
This was done at 2:27 PM yesterday ^
Then somehow during the onboarding flow he was able to change the country to PH: (2:29 PM)https://dashboard.stripe.com/acct_1Mnjg7E4U9l4eQl6/logs/req_imo0MxEhoGkIOR
which shouldnt be possible, bcz Phillipines is disabled in my Express Settings.
so thats why im confused how is this happening.
fleet grove
What's the platform account ID?
raven mantle
where do i find it
fleet grove
Found it, nevermind (acct_1M4ruOCu8ka7WPnc)
raven mantle
oki
raven mantle
I think I have found a temporary solution:
I listen to account.updated event and if the country is different than the one in my DB, I reject that account instantly.
winged onyx
Hi 👋 taking over as my teammate needs to step away. That approach you described sounds like a good idea!
raven mantle
alright
another question
I restricted an express account
but it has funds in it
how do i take funds out from it to platform account?
the button is disabled
ok nevermind i found it
thanks
winged onyx
Sorry for the delay, glad you found it!
raven mantle
ok one more
what happenes in this scneario?
where a connected account's fund goes in negative
winged onyx
In what regards?
When working in livemode you'll only be able to reject accounts that have a zero balance.
raven mantle
In what regards?
When working in livemode you'll only be able to reject accoun...
i did some transfer reverses on this account
bcz its a fraudlent account
and now its in negeative
will stripe itself take $$ from its bank?
or will i be charged as the platform the remaining amount?
winged onyx
My understanding is that if Express accounts go negative, then the Platform account is responsible for that balance.
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%2C Stripe claws them from the platform to ensure customers can still get timely access to these funds.