Sasageyo

[torpid falcon]

@sharp schooner let's chat here!

[sharp schooner]

Ohh thank you

Can you clearly explain what exactly the on_behalf_parameter doing?

@torpid falcon ?

[torpid falcon]

The on_behalf_of parameter is making account acct_1MnDH2JuTnqrFbeN the merchant of record. I recommend reviewing this: https://stripe.com/docs/connect/destination-charges#settlement-merchant

[sharp schooner]

I will clearly explain our situation

The tranfer destination is an express connected account is in US

the on_behalf_paramter is my account in Singapore

So I am getting an error saying "The 'on_behalf_of' param cannot be set to your own account"

I want to be the merchant of this transfer

what can i do about it?

@torpid falcon

?

[torpid falcon]

so, to be clear, acct_1MnDH2JuTnqrFbeN is the platform and transfer_data.destination is the express connected account?

[sharp schooner]

yeah

[torpid falcon]

You can omit on_behalf_of altogether. Omitting this will make your platform the merchant of record

[sharp schooner]

But that gives me an error

it says 'requires_payment-method'

@torpid falcon

[torpid falcon]

That's not an error, but expected behavior based on how PaymentIntents work

[sharp schooner]

how to fix this?

[torpid falcon]

The next step is to collect payment method details from your customer: https://stripe.com/docs/payments/intents

[sharp schooner]

I as a platform wants to pay the charge

From here

[torpid falcon]

I don't understand. With destination charges, a customer is paying the platform and the platform is transferring funds to the express account

[sharp schooner]

what if I want to pay directly to the express account?

@torpid falcon

are you still with me?

[torpid falcon]

I'm still not really following your use case. Can you send one single message with a clear description of your funds flow and where you're currently blocked?

[sharp schooner]

Sure

[sharp schooner]

I have a platform and bank account based in Singapore. Users are based in USA. I am trying to use Stripe Connect Express to send money to users. How do I send money to them from my bank account?

[torpid falcon]

Users are based in USA
Do you mean Express Connected accounts are based in the US, or end customers are based in the US?

[sharp schooner]

I am not well versed with the Stripe terminology but based on what I can understand, my end users are in USA and they are creating express connected accounts in USA and linking it to a USA bank account

[winter moat]

Hi @sharp schooner I'm taking over, give me a sec to catch up

[sharp schooner]

okay

[winter moat]

So if I understand correctly, you want to transfer funds from a Singapore platform to an express account in US?

[sharp schooner]

yes

[winter moat]

OK, then you can use Transfers API https://stripe.com/docs/api/transfers/create

[sharp schooner]

what is the cost per transfer?

[winter moat]

I don't see a pricing for transfer (https://stripe.com/pricing). But you can always clarify the pricing with Stripe support https://support.stripe.com/contact/email

[sharp schooner]

I get this error "Funds can't be sent to accounts located in US because it's restricted outside of your platform's region; .

@winter moat

[winter moat]

Can you share with me the request ID?

[sharp schooner]

req_sgtQTUUGmiIY9A

This is the request id

[winter moat]

Sorry it's my oversight. Cross-border transfer (https://stripe.com/docs/connect/cross-border-payouts) is only available for US platform. Since your platform is in Singapore, it can't send funds to accounts outside of its region.

I'd suggest you to reach out Stripe support and see if they can help you with this restriction, https://support.stripe.com/contact/email

[sharp schooner]

I talked to support in the morning

They suggested me to use destination charges as that would make it possible to send money from singapore to us

[winter moat]

Destination charge means creating a charge on platform and later transfer the funds from platform to a connected account. Is this your use case?

[sharp schooner]

What does creating a charge on platform mean?

[winter moat]

https://stripe.com/docs/connect/destination-charges#flow-of-funds-app-fee you can refer to the fund flow diagram

[sharp schooner]

Our use case is that i want to transfer money from platform (singapore bank acc) to express account in US (US bank account)

What do you recommend?

Destination charges or transfers?

What exactly?

[winter moat]

I'd suggest using Transfers API, but to enable transferring funds to accounts in another region may require further review, and that's why I recommend you to reach out to stripe support and ask them if they can do anything about the restriction.