#chukdawit
wet salmon
ornate thistle
Hi what's your question?
rocky badger
Hi. I've been testing different test data for Connect accounts, trying to understand what will create a Capabilitiestransfers status of not active. I'm having trouble understanding what type of account or data will create this state and what will happen if I try to create a transfer to this Connect account?
I can have a value of "active", "inactive", or "pending" what would prompt a value of inactive or pending
?
ornate thistle
Pending is if your required verification information is pending a review. Inactive would be if it hasn't been requested or isn't able to be requested yet
rocky badger
Do you know if it's possible to transition from a state of being "active" -> "inactive" or "pending"?
ornate thistle
yeah it can go from active to inactive if more verification info is needed on your account and you don't provide it in time
Or if the account is banned or restricted due to tos violations, etc
rocky badger
and what happens if I try to create a transfer to that Connect account that has a "pending" or "inactive" status? Does Stripe throw an exception?
ornate thistle
Yeah it should
rocky badger
ok, another question. If payouts are not enabled (disabled) and I try to create a transfer to that Connect account, does that go through, but with a failed payout? Is that accurate?
ornate thistle
Payouts are completely separate from transfers
If transfers are enabled you can receive transfers
If payouts are enabled/disabled then the corresponding thing will happen
rocky badger
I know, this is a somewhat unrelated question from the first.
So, I can still transfer if payouts are disabled, but the payout won't be issued, or it will fail! Correct?
*assuming tansfers are active
ornate thistle
Automatic payouts won't happen in that scenario
And any manual payouts would fail
rocky badger
This might be a little outside of your scope, because it's more of a business logic question, but I'm going to ask anyways. Question - If I have a customer that is using my site (Yoga classes) and signing up as an instructor to teach. Before he/she can register to teach the class I do a check on their account. 1.) do they have a Connect account 2.) are payouts enabled 3.) are transfers active Now, obviously if they want to get paid they have to have a Connect account with an attached bank account, but I'm a little on the fence about checking for payouts enabled and capabilities.transfers being active. Right now I check for both of the 2 later conditions and I give them a message that says something like "instructing this class requires an active bank account, please correct any issues with your default account or upload a new account" Can you give any guidance or recommendation's on checking these two properties (payouts.enabled, capabilities.transfers) for my instructors before I allow them to register for a class where they will get paid (transfer to their Connect account) when the class ends?
ornate thistle
So the question is which params on the account object you should check prior to displaying this notice?
rocky badger
ya essentially! are there other fields I should look at before allowing my instructor to register for a class and receive payouts? payouts.enabled and capabilities.transfers are the two properties that seem relevant for this, but from your knowledge, should I restrict allowing the instructor to register if either of these two fields are disabled and/or inactive/pending? If there are other fields that I should be looking at to restrict registration as an instructor, I'd be happy to know those fields as well.
FYI - I collect all Connect data upfront when adding a bank account, so no data should be needed after the initial upload (bank account numbers, name, ssn, pictures, etc)
ornate thistle
AFAIK those 2 should be fine
rocky badger
last question - If the user (instructor) deletes his/her Connect account and then I try to create a transfer to that account, what happens? Does Stripe keep some internal records of it and pass through the transfer to the account?
ornate thistle
No it would fail
rocky badger
when you say fail, you mean I would get a StripeException?
ornate thistle
Not sure what exception
But it wouldn't work
You can't transfer to a deleted account
ornate thistle
No problem