Farbod | Stripe Developers | Page 1

somber fiberBOT May 22, 2023, 8:59 AM

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worthy venture May 22, 2023, 9:04 AM

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Hi
Cross-border payouts are available only for Platform accounts in the US:
https://stripe.com/docs/connect/cross-border-payouts

solemn anvil May 22, 2023, 9:05 AM

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yeah but I’ve been told that it could be possible using other ways.

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using charges

worthy venture May 22, 2023, 9:07 AM

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You can create destination/direct charges for that yes:
Depending on your account/charge type you wont to use.

solemn anvil May 22, 2023, 9:10 AM

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can you please tell me how that exactly works? isn’t a charge supposed to collect money from an account? how can it transfer money to it?

minor grail May 22, 2023, 9:13 AM

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Hi! I'm taking over this thread.

solemn anvil May 22, 2023, 9:13 AM

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Hi Soma, thanks for helping out

minor grail May 22, 2023, 9:14 AM

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If you use a Direct Charge or a Destination Charge with on_behalf_of, then the money can be sent to your connected account even if they are in a different region.
You can learn more about the different types of charges here: https://stripe.com/docs/connect/charges

solemn anvil May 22, 2023, 9:20 AM

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so I create a paymentIntent with the transfer_data[destination] parameter

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that is the account ID receiving the money

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how is the paymentIntent paid then?

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will it be automatically paid?

minor grail May 22, 2023, 9:23 AM

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What do you mean by "how is the paymentIntent paid then"? The end user will pay the PaymentIntent, and then Stripe will automatically transfer the funds to the platform and connected account.

solemn anvil May 22, 2023, 9:29 AM

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let me explain the whole process.
I have 2 entities in my project, an "Advertiser" and a "Community Owner".

I'm collecting some payments through my platform from the Advertisers.

after that, the communities that have published the Advertisement in their community, will have their balance increased in the app.

they can later request for payouts, which should transfer automatically to their Stripe Connect account.

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I will have the funds in my Stripe account already, so the transfer won't fail because of insufficient funds

minor grail May 22, 2023, 9:34 AM

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So what is your question?

solemn anvil May 22, 2023, 9:37 AM

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the problem here is that my platform is located in CA, and my "Community Owners" can be located in other countries such as the US. and when I try to transfer the funds to their account I'll get a cross-border transfer error.

solemn anvil May 22, 2023, 9:37 AM

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minor grail If you use a Direct Charge or a Destination Charge with `on_behalf_of`, then the...

and using the direct charge you mentioned

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the issue is

minor grail May 22, 2023, 9:37 AM

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Yes I already answered that question. The only option for this to work is to either use Direct Charge or a Destination Charge with on_behalf_of.

solemn anvil May 22, 2023, 9:38 AM

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solemn anvil the issue is

the paymentIntent should be paid somehow

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after I create it

minor grail May 22, 2023, 9:38 AM

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yes, your end users pay the PaymentIntent.

solemn anvil May 22, 2023, 9:38 AM

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the user is requesting the payout, not paying anything

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I'm not selling a product

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I'm collecting payments, and then paying my users in a later point in time when they only request it

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here's an example:
someone wants to advertise in community or communities. they choose 4 communities and the price for example will be $2000

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then these 4 communities will have their balance increased in my app only after they successfully published the ad in their own platform

minor grail May 22, 2023, 9:43 AM

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I'm collecting payments,
How are you collecting payments? And who pays you?

solemn anvil May 22, 2023, 9:43 AM

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and they will receive different portions of that $2000

solemn anvil May 22, 2023, 9:44 AM

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minor grail > I'm collecting payments, How are you collecting payments? And who pays you?

I will create a payment intent for the $2000, and pay it using the payment method of the user I made in the frontend

solemn anvil May 22, 2023, 9:46 AM

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solemn anvil and they will receive different portions of that $2000

for example:
community 1 will receive $400
community 2 will receive $600
community 3 will receive $550
community 4 will receive $450

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but only when they request it

solemn anvil May 22, 2023, 9:46 AM

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solemn anvil I will create a payment intent for the $2000, and pay it using the payment metho...

not immediately after this payment is made

minor grail May 22, 2023, 9:48 AM

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Oh so you have one payment, and then split the amount to multiple connected account?

solemn anvil May 22, 2023, 9:48 AM

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yes exactly

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but in a later point

minor grail May 22, 2023, 9:48 AM

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That's called Separate Charges & Transfers, and with this you won't be able to send funds outside of your region.

solemn anvil May 22, 2023, 9:49 AM

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the charges aren't separated at that moment.

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think of it as a whole different transfer

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that is from my own Stripe account

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to my users account

minor grail May 22, 2023, 9:50 AM

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This is what you are currently doing (that we call "Separate Charges & Transfers"): https://stripe.com/docs/connect/charges-transfers
And that won't allow you to send money to connected account outside of your region.

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The only option is to use Direct Charge or a Destination Charge with on_behalf_of. But with these you can't split the money accorss multiple accounts and you have to transfer the money immediately. So not sure that will work for your use case.

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Again I recommend reading the link I shared before that explain all the types of charges Stripe support: https://stripe.com/docs/connect/charges

solemn anvil May 22, 2023, 9:53 AM

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ok. am I able to pay the payment intent myself?

#Farbod