#anishsubedi1_83944
zenith totem
You'd need both
Trasnfers are for transferring money from platform account balance to connect account balance
And payouts are for paying out the money from the account balance to a bank account
boreal pulsar
Sorry, did not understand.
Trasnfers are for transferring money from platform account balance (PNC Bank) to connect account balance (PNC Bank)
And payouts are for paying out the money from the account balance(PNC Bank) to a bank account(PNC) ?
zenith totem
Oh are you not using Connect?
boreal pulsar
I follow this doc, is it right?
https://stripe.com/docs/connect/add-and-pay-out-guide#without-code-create-connected-account
zenith totem
Are you using Connect accounts?
boreal pulsar
yes. But is it necessary to use connect account?
boreal pulsar
This is the use case:
user A has earned xyz money in www.xxy.com. (the 's say our platform)
This is not real money, just some number in to database that he can transfer.
How he should be able a transfer this money from company bank account(PNC) to his bank account?
zenith totem
If you need to pay out funds multiple people, then yeah you'll need connect
So in the above scenario user a needs to have a conenct account
Then you'll need to make a transfer from your platform account to the connect account
Then you'll need to make a payout from the connect account to the user's attached bank account
boreal pulsar
I followed this doc, implementation. Is that correct?
https://stripe.com/docs/connect/add-and-pay-out-guide#without-code-create-connected-account
zenith totem
You may not need the top-up step, but yeah
Top up is adding money from your bank account to your platform balance
boreal pulsar
ok. Thank you. Got it. We have not implemented toup.
Once can you explain difference between payout vs transfer? probably with an example
zenith totem
I did here:
And payouts are for paying out the money from the account balance to a bank account```
But if you don't understand account balances, you need to start here and read this: https://stripe.com/docs/connect/account-balancesAccount balance isn't a bank account
It's the amount of money in the stripe account's balance
boreal pulsar
ohh okay.
the the One more question:
Once payout is completed, we are capturing its response through webhook. But, it does not send userID or user email or anything we can relate to say who is associated user.
Who do we know who is associated user?
this is the payout response capture by webhook:
{
"id": "po_1NdZ8yDq5ExucUL853NuXiAP",
"object": "payout",
"amount": 1100,
"arrival_date": 1691625600,
"automatic": true,
"balance_transaction": "txn_1NTgYDDq5ExucUL85D8sdpJB",
"created": 1691674996,
"currency": "usd",
"description": "STRIPE PAYOUT",
"destination": "ba_1NdZ8yDq5ExucUL8T5Mx1Ds0",
"failure_balance_transaction": null,
"failure_code": null,
"failure_message": null,
"livemode": false,
"metadata": {},
"method": "standard",
"original_payout": null,
"reconciliation_status": "completed",
"reversed_by": null,
"source_type": "card",
"statement_descriptor": null,
"status": "in_transit",
"type": "bank_account"
}
zenith totem
You should know based off of which account id the payout was on right?
Each user should have their own stripe connect account where they will receive payouts
blissful spindleBOT
zenith totem
And every connect event has the account id on it: https://stripe.com/docs/api/events/object#event_object-account
boreal pulsar
but payout object doesnot have account id has well:
{
"id": "po_1NdZ8yDq5ExucUL853NuXiAP",
"object": "payout",
"amount": 1100,
"arrival_date": 1691625600,
"automatic": true,
"balance_transaction": "txn_1NTgYDDq5ExucUL85D8sdpJB",
"created": 1691674996,
"currency": "usd",
"description": "STRIPE PAYOUT",
"destination": "ba_1NdZ8yDq5ExucUL8T5Mx1Ds0",
"failure_balance_transaction": null,
"failure_code": null,
"failure_message": null,
"livemode": false,
"metadata": {},
"method": "standard",
"original_payout": null,
"reconciliation_status": "completed",
"reversed_by": null,
"source_type": "card",
"statement_descriptor": null,
"status": "in_transit",
"type": "bank_account"
}
bleak lintel
Hi there 👋 taking over, as my colleague needs to step away
If you're trying to list payouts for an account,. then you need might want to try making the API request to List All Payouts as the Connect account: https://stripe.com/docs/connect/authentication
boreal pulsar
This is the use case:
When payout is completed, we capture it through webhook and keep it on our database as well.
So, when we get payout webhook object, we need to know which account or user it is referring to.
bleak lintel
The payload should include an Account ID in it. It will be outside of data (where the Payout object is in the payload), but it will be there
boreal pulsar
umm .. let me look