#hungrylance
limber turtle
Hi, if you're looking to split payment between two different connected accounts, Merchant A and Merchant B, as the Platform Account you can create a charge on your Platform account and then transfer funds to Merchant A and B later by using the Charges and Transfers: https://stripe.com/docs/connect/separate-charges-and-transfers.
formal nestBOT
young garnet
That makes sense. To go a little bit further, If i wanted do something like this, would this be possible?
Merchant A charges customer 10 dollars (so to the customer it is 1 charge), Merchant B gets its share of 2 dollars. Is there a way Merchant B can refund the customer just its portion of the charge (2 dollars)?
limber turtle
Since the charge occurs on the Platform account, you could refund a partial $2, https://stripe.com/docs/refunds from the charge and then reverse the transfer from Merchant B on your end. Without this, Merchant B can't just issue a refund in their own.
young garnet
ah gotcha, so the refund to the customer will have to be done by Merchant A and Merchant A and B will have to coordinate on reversing the transfer
limber turtle
No, the Platform account would make this refund as the charge is on the Platform Account.
young garnet
I don't think I am familiar with the concept of Platform account. in this scenario, which would be the platform account?
I apologize if I have been using incorrect terminology. When i meant Merchant A and B, i really meant 2 different stripe accounts that were connected via Stripe Connect
limber turtle
Let's back up. Are you able to share the request id where you made theis request? from 'i have realized that in the api response, I don’t see the id of the payment to Account B'? Here's how you can find a request ID: https://support.stripe.com/questions/finding-the-id-for-an-api-request
I see..
Do you know what connect type, https://stripe.com/docs/connect/accounts you'd use for your business use case?
young garnet
Express
But if this changes the feasibility of solution, i think we are open to Standard as well!
limber turtle
With Express, https://stripe.com/docs/connect/express-accounts it's recommended that you use Destination Charges: https://stripe.com/docs/connect/destination-charges. In this case, your Merchant A would be the Platform account. The account where your Express accounts will be related/connected to. The response should show the Merchant B from the request.
When you create the charge you can pass the transfer destination to Merchant B: https://stripe.com/docs/connect/destination-charges#create-a-charge by
passing transfer_data: { destination: '{{CONNECTED_ACCOUNT_ID}}', },
Depending on if you want account A or B to be the merchant of record, what the end customer sees as the business that they made the purchase from: https://stripe.com/docs/connect/destination-charges#settlement-merchant, you can also use on_behalf_of on that request to specify Merchant B for instance. If you want Merchant A to be the merchant of record, you do not need to pass this.
When you refund the payment, you can issue a partial refund as well and reverse the transfer, https://stripe.com/docs/connect/destination-charges#issuing-refunds to attain the funds back from Merchant B.
young garnet
all makes sense so far, but just to clarify, the partial refund can't be made by Account B, it will have to be done by Account A (this will also be merchant of record)
limber turtle
Yeap!
young garnet
gotcha! thank you so much! your support is actually AMAZING!
limber turtle
I also recommend that you play with this in test mode using your Test API key https://stripe.com/docs/keys
young garnet
will do! thank you!