bachir | Stripe Developers | Page 1

shell vineBOT May 23, 2023, 7:24 AM

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tough delta May 23, 2023, 7:25 AM

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Hi there, what's your question?

thin breach May 23, 2023, 7:25 AM

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For ACH payments, when specifying a transfer_data when creating the payment intent, why is the transfer to the connected account made when the payment transitions to "processing" instead of when it succeeds ? Is there a way to specify the transfer only when the payment succeeds or does the transfer need to be done manually ?

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There is more context in the other thread, as I was answering to the followup question from your colleague

tough delta May 23, 2023, 7:29 AM

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OK, This is the expected behaviour. If the payment fails eventually, Stripe will automatically reverse transfer the funds from connected account to platform.

thin breach May 23, 2023, 7:39 AM

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Yes but the issue is that they managed to payout the money to their bank account before the payment was successful, and by this time, they already withdrew the money from their bank account.

tough delta May 23, 2023, 7:40 AM

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I don't think an express/custom account can manage their payout, the payout schedule is managed by the platform

thin breach May 23, 2023, 7:47 AM

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Indeed, we have a scheduled payouts every week, but that still makes it exploitable once they figure out the schedule, right ?

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I'm just curious why isn't the transfer made when the payment is successful (which is written in the Stripe doc, as the screenshots in the other thread shows) not processing.

tough delta May 23, 2023, 7:48 AM

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Which Stripe doc are you following on?

thin breach May 23, 2023, 7:48 AM

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https://stripe.com/docs/api/payment_intents/create#create_payment_intent-transfer_data

Stripe API reference – Create a PaymentIntent – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

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The parameters used to automatically create a Transfer when the payment succeeds

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The amount that will be transferred automatically when a charge succeeds.

tough delta May 23, 2023, 7:52 AM

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Thanks for the feedback. I'd pass along to the relevant team and fix the doc

thin breach May 23, 2023, 7:54 AM

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Shouldn't the transfer creation timing be fixed instead ? Or at least give the possibility in the API to control this timing (on ACH payments for example, wait until the payment succeeds instead of processing).

shell vineBOT May 23, 2023, 7:58 AM

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fathom minnow May 23, 2023, 8:01 AM

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If you want to control the timing of the transfer to be dependent on the clearing of the associated payment, then you'll need to do it separately: https://stripe.com/docs/connect/charges-transfers#transfer-availability

Creating separate charges and transfers

With Connect, you can make charges on your platform account on behalf of connected accounts, perform transfers separately, and retain funds in the process.

thin breach May 23, 2023, 8:02 AM

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I get that, but I'm just wondering what's the use case where you'd trigger the transfer once the payment is processing instead of succeeded ?

fathom minnow May 23, 2023, 8:02 AM

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What do you mean by use case?

thin breach May 23, 2023, 8:03 AM

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Why is Stripe preferring to trigger the transfer creation for ACH payments when the payment is in processing state, and not wait until it is effectively succeeded ?

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when specifying transfer_data

fathom minnow May 23, 2023, 8:03 AM

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The default behaviour is to always initiate the transfer immediately, that's just how it works regardless of payment status

#bachir