stephy | Stripe Developers | Page 1

kind wraithBOT May 25, 2023, 5:33 AM

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hallow plank May 25, 2023, 5:33 AM

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hi there, can you share the request id [0] where you're seeing the error? it'd look like req_xxx

[0] https://stripe.com/docs/api/request_ids

stark maple May 25, 2023, 5:38 AM

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Ok

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req_8NXdl0YpsakM2S

hallow plank May 25, 2023, 5:41 AM

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those funds are still in your pending balance

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what you would want to do when creating the Transfer is to include the corresponding Charge id in the source_transaction parameter : https://stripe.com/docs/api/transfers/create#create_transfer-source_transaction

The main point to remember is that when using source_transaction, if the payment is still pending, then the transfer will pull the funds from the pending balance. If the payment is already available, then the transfer will pull the funds from the available balance.

if you don't specify the source_transaction, it'll always try to use the funds from your available balance and if the payment funds is not yet available, and you don't specify the source_transaction then you run into the problem of insufficient funds

stark maple May 25, 2023, 5:56 AM

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So I have to create source_transaction?

hallow plank May 25, 2023, 5:58 AM

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include the corresponding Charge id in the source_transaction parameter : https://stripe.com/docs/api/transfers/create#create_transfer-source_transaction when creating the Transfer

stark maple May 25, 2023, 5:59 AM

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How to charge ?which api used for this??

hallow plank May 25, 2023, 6:11 AM

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when a PaymentIntent is successful, there will be a Charge id e.g. for pi_3NBX5zEZ1Pyl4W3k0wadWYt5, the corresponding charge id is ch_3NBX5zEZ1Pyl4W3k0dF3TXgG - you can view your request and response in https://dashboard.stripe.com/test/logs/req_8NXdl0YpsakM2S.

stark maple May 25, 2023, 6:17 AM

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req_4cTZjanU13n7II

hallow plank May 25, 2023, 6:20 AM

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what's your question?

stark maple May 25, 2023, 6:22 AM

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When I use payment intent I got a error

hallow plank May 25, 2023, 6:24 AM

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have you take a look at that request in your Dashboard and seen what's the error message?

stark maple May 25, 2023, 6:25 AM

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Yes

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They ask me to create payment method

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I created that also again get error

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Shall I explain my issue and requirement?

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I create a connected account and I need to transfer the money for the account...to do this I create a transfer api but when using that I got an error that you have insufficient balance...

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This is what am facing ... yesterday only I do my first transaction to this stripe account for testing

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$paymentIntent = PaymentIntent::create([
'amount' => $amount * 100, // Amount in cents (e.g., $10.00)
'currency' => 'usd',
'payment_method_types' => ['card'],
]);

// Create a payment method
$paymentMethod = $paymentIntent->payment_method;

// Attach the payment method to the PaymentIntent
$paymentIntent->payment_method = $paymentMethod;
$paymentIntent->save();

// Confirm the PaymentIntent
$paymentIntent->confirm();

// Retrieve the charge ID
$chargeId = $paymentIntent->charges->data[0]->id;

This what am used

hallow plank May 25, 2023, 6:34 AM

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can you share more on why you're trying to create a PaymentIntent again? Is there a reason why you can't use the charge id ch_3NBX5zEZ1Pyl4W3k0dF3TXgG which i provided to pass into the the source_transaction parameter when creating the Transfer?

stark maple May 25, 2023, 6:36 AM

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hallow plank can you share more on why you're trying to create a PaymentIntent again? Is ther...

So I can use this charge I'd manually????

hallow plank May 25, 2023, 6:37 AM

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maybe you'd want to try it out?

stark maple May 25, 2023, 6:39 AM

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Yes tried

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I got both source type and source transaction not use

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Yes it's successful

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So if am going to live mode then what are the changes I have to do? Is I have to remove the charge id that you provided?

hallow plank May 25, 2023, 6:48 AM

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maybe let me ask a different question to understand what's your business scenario first - are you collecting payment, then always transferring money from that payment to a single connected account?

stark maple May 25, 2023, 6:51 AM

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Am collecting money from the customers and transfer the money to vendors connected accounts ..so there is multiple vendor accounts

hallow plank May 25, 2023, 6:53 AM

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so every time you transfer - you should identify which PaymentIntent and pass the corresponding charge id into the source_transaction parameter when creating the Transfer

stark maple May 25, 2023, 6:54 AM

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How to create that payment intent ? When i tried I got error so I don't what mistake I done to create that

hallow plank May 25, 2023, 6:55 AM

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you didn't pass in a payment_method id

stark maple May 25, 2023, 6:57 AM

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hallow plank you didn't pass in a payment_method id

Not understand

hallow plank May 25, 2023, 6:58 AM

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examine your PaymentIntent - does it have any payment_method? https://stripe.com/docs/api/payment_intents/object#payment_intent_object-payment_method

stark maple May 25, 2023, 7:00 AM

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I my payment intent I gave 3 parameter amount currency and payment method type

hallow plank May 25, 2023, 7:02 AM

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payment_method_type and payment_method are two entirely different parameters

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i suggest going through the API reference for PaymentIntents

stark maple May 25, 2023, 7:03 AM

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Ok I got it.. automatic_payment_methdos should be added right?

hallow plank May 25, 2023, 7:03 AM

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how are you collecting the payment method details e.g. card number, card expiry, cvc?

stark maple May 25, 2023, 7:04 AM

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Now I developed card only ..but also going to develop ach direct debit also

hallow plank May 25, 2023, 7:04 AM

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yes, but how are you collecting the card details from your customers?

stark maple May 25, 2023, 7:05 AM

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Card number, expired date,cvc

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Using these ones

hallow plank May 25, 2023, 7:06 AM

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yes, but how are you collecting these card details from your customers?

stark maple May 25, 2023, 7:07 AM

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For that am using payment_method api

hallow plank May 25, 2023, 7:08 AM

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i.e. is your customer going to type these information into an input field on your website?

stark maple May 25, 2023, 7:10 AM

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Yes

hallow plank May 25, 2023, 7:10 AM

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are you using a Stripe Element to collect those information e.g. the Payment Element?

stark maple May 25, 2023, 7:10 AM

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But this transfer section not doing in customer side..this transfer api used to transfer the amount from owner account to connected accounts

hallow plank May 25, 2023, 7:11 AM

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without payments, how are you going to get the money to transfer to your connected accounts?

stark maple May 25, 2023, 7:13 AM

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Payment is collected from customers...to do that we developed a stripe card where we entered the card number cvc etc details...and I done that through which yesterday I made my first transaction ..and my account is credited that amount ..and today I create a connected account and tried to transfer money to that then I shows this insufficient balance error

hallow plank May 25, 2023, 7:14 AM

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lets go back to your first step first of collecting payment from your customers first - Are you using Stripe elements to collect those payment method details or your own input fields?

stark maple May 25, 2023, 7:15 AM

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We create a custom form to enter these card details and using stripe api payment method , payment intent to do further

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In payment method api ,we pass all card info

hallow plank May 25, 2023, 7:17 AM

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To be clear, if you collect raw credit card numbers in your custom form and then use the Stripe API directly to tokenize the cards, you become subject to the full PCI compliance standards. In your case this means you’d have to submit a SAQ D form annually to prove that you are PCI compliant [0]. It’s a 40 page form and typically, not a headache most people want to be dealing with.

If you don't want to deal with that, you should use Stripe Elements e.g. Checkout Sessions, or Payment Elements to collect payment method details instead

[0] see https://stripe.com/docs/security/guide#validating-pci-compliance under "API Direct" as this is what your integration would be classified as.

stark maple May 25, 2023, 7:20 AM

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Why should I face these insufficient balance issue after having balance ?

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Is it because I do the transaction yesterday? May be that y the fund not credited to my account?

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To work my transfer I use one api also...If you don't mind can you tell if any issue that am using i. This way

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$charge = \Stripe\Charge::create([
'amount' => $amount * 100, // Amount in cents (e.g., $10.00)
'currency' => 'usd',
'source' => 'tok_visa', // Replace with a valid payment source token or payment method ID
'description' => 'Example Charge',
]);

        $transfer = Transfer::create([
            'amount' => $amount * 100, // Amount in cents (e.g., $10.00)
            'currency' => 'usd',

// 'source_type' => 'card',
'destination' => $connected_account->account_id, // Replace with the ID of the destination account
'description' => 'Transfer from Telgy',
'source_transaction' => $charge->id
]);

hallow plank May 25, 2023, 7:38 AM

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you shouldn't be using the Charge API - you should be using PaymentIntents. When the PaymentIntent is successful, there will be a charge id

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like i mentioned previously, the PaymentIntent didn't have a payment_method when you confirmed it

stark maple May 25, 2023, 7:45 AM

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Ok...so there is another question... If my account have enough amount ..then if it's need to give this payment intent?

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And in payment I see I'd like pi_3Nab like

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Not ch_xxx like

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And using that I'd in source transaction I got error

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rn_image_picker_lib_temp_12e5931d-49c2-42bd-9f3e-656d2cb6e853.jpg

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How can I get charge I'd from this????

hallow plank May 25, 2023, 7:57 AM

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can you provide the PaymentIntent id?

kind wraithBOT May 25, 2023, 8:02 AM

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stark maple May 25, 2023, 8:08 AM

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Ok

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Ok

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"pi_3NBYP3EZ1Pyl4W3k0mybyeWO",

stark maple May 25, 2023, 8:12 AM

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hallow plank can you provide the PaymentIntent id?

"pi_3NBYP3EZ1Pyl4W3k0mybyeWO",

thin hound May 25, 2023, 8:15 AM

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There is no Charge associated with that Payment Intent – it's in a requires_confirmation state (you didn't pass confirm: true when creating it: https://dashboard.stripe.com/test/logs/req_abzyETWhyx9suI)

Stripe Login | Sign in to the Stripe Dashboard

Sign in to the Stripe Dashboard to manage business payments and operations in your account. Manage payments and refunds, respond to disputes and more.

stark maple May 25, 2023, 8:19 AM

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Ok I understand

stark maple May 25, 2023, 8:34 AM

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Using charge Id my transaction is done

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There is another doubt ..if am going to live mode then what are the changes that I need to do?

thin hound May 25, 2023, 8:39 AM

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Generally you'd just need to swap our your API keys to the live ones (sk_live_xxx, pk_live_xxx)

stark maple May 25, 2023, 8:48 AM

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So I have another question

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As per my requirement I want to transfer the amount from my stripe account to vendors connected accounts...so now I create a payment method where am giving test dummy card info and then create payment intent and the. Tranfer api So is this correct?

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Using this can I transfer my account money to my connected accounts?

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My site payment flow is like ....there i collect the money from customers and after credit the money I will transfer the money to vendor this is actually want

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So I got an error insufficient balance that why I create this payment intent and averything

thin hound May 25, 2023, 9:00 AM

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stark maple As per my requirement I want to transfer the amount from my stripe account to v...

Seems right so far

thin hound May 25, 2023, 9:00 AM

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stark maple So I got an error insufficient balance that why I create this payment intent and...

When did you get this error?

stark maple May 25, 2023, 9:03 AM

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thin hound When did you get this error?

Without using this payment intent and payment method I give transfer api and also give source type as card then I got this error

thin hound May 25, 2023, 9:04 AM

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Sure, seems expected if your platform balance doesn't cover the transfer amount

stark maple May 25, 2023, 9:06 AM

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If I charge the amount in today can i transfer the amount today itself? Or it take some time to credit... because my card have balance then also it's shows this insufficient balance so it's much confusing

thin hound May 25, 2023, 9:11 AM

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Sure payments can take time to be available in your balance, that's how things generally work. If you need immediate balance, use the test cards here when making your payments: https://stripe.com/docs/testing#available-balance

Test cards

Use test cards to validate your Stripe integration without moving real money. Test a variety of international scenarios, including successful and declined payments, card errors, disputes, and bank authentication. You can also test non-card payment methods.

stark maple May 25, 2023, 9:11 AM

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Yes am using test card

thin hound May 25, 2023, 9:12 AM

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You need to use the specific test cards I just linked

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That will credit your platform balance immediately, then you can transfer without the 'insufficient balance' error

stark maple May 25, 2023, 9:16 AM

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4242424242424242 these i used

thin hound May 25, 2023, 9:17 AM

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Use 4000000000000077

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Please, read the link I shared

stark maple May 25, 2023, 9:18 AM

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Ok

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I paid using this as card number

thin hound May 25, 2023, 9:32 AM

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Great, now try and create the Transfer as you were before (it shouldn't error now)

stark maple May 25, 2023, 9:33 AM

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So not need to use the payment intent now right?

thin hound May 25, 2023, 9:33 AM

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Nope

stark maple May 25, 2023, 9:34 AM

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Thank you so much it's working ❤️❤️❤️

#stephy