nikolaiavich | Stripe Developers | Page 1

warped driftBOT Aug 21, 2023, 9:28 PM

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astral void Aug 21, 2023, 9:29 PM

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i got this response from a stripe rep in the past but it's hard to believe other seller platforms like grailed or goat do indeed support such a flow

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i tried to follow up with this message ```1. Is this specifically for connected standard accounts? Is there any difference if I used the express accounts ?

What if I just accepted the payment to my account and transferred it to the seller via the api when delivered ? It seems possible but are there any repercussions?``` but got no response

dense zenith Aug 21, 2023, 9:30 PM

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Hi, it depends on your business use case. Can you add more details?

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Reading the screenshot

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It's hard to read

astral void Aug 21, 2023, 9:31 PM

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i see well to explain my use case its pretty straight foward, a seller joins our app and we call these 2 api calls

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we list the poducts posted by sellers on our app and after the seller marks as ship we don't want to release the payment until the product is delivered

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these sellers aren't selling mugs, products are ranging from 3k-30k collectable attire

dense zenith Aug 21, 2023, 9:32 PM

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1/ The Separate Charges and Transfers flow, https://stripe.com/docs/connect/separate-charges-and-transfers is recommneded for Custom and Express Accounts

What does your second question 'What if I just accepted the payment to my account and transferred it to the seller via the api when delivered ? It seems possible but are there any repercussions?' mean?

astral void Aug 21, 2023, 9:33 PM

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sorry for the unclear question, my question was can i just transfer money from our stripe account to the sellers account when the item is delivered

astral void Aug 21, 2023, 9:34 PM

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dense zenith 1/ The Separate Charges and Transfers flow, https://stripe.com/docs/connect/sepa...

my question was based on this

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that if i were to send money this way, do we accept liability of disputes

dense zenith Aug 21, 2023, 9:35 PM

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Sure you can use the Transfers API, https://stripe.com/docs/api/transfers/create to do that

astral void Aug 21, 2023, 9:35 PM

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ok , if there's a dispute, is it on the merchant (us) or the seller that authenticated with their standard account

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super important for the platform not to be incharge of disputes

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if i were to use the transfer api with standard accounts does that keep me under the fraud and dissputes liability on the user?

dense zenith Aug 21, 2023, 9:37 PM

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I recommend starting here: https://stripe.com/docs/disputes/connect and reaching out to Suport for disputes liability questions https://support.stripe.com/contact

astral void Aug 21, 2023, 9:37 PM

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i did , i got this email i sent above

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they said basically its not supported

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and i trying following up regarding liability and no response

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heres the reponse After carefully checking on my end, I would have to say that while we completely appreciate the reasoning behind your wishes to hold funds before paying out your Connected account, we are not able to support your use of your Stripe account to do this. Hence, why we strongly encourage some combination of auth w/o capture, creating customer objects, and breaking up the payment flow (ex: ACH work around, where you accept payment directly and then submit ACH payments to your Connected accounts once the item has been delivered). According to that and to the fact that you don't want to be charged for refunds and chargebacks, we recommend you to create Direct charges: https://stripe.com/docs/connect/direct-charges You can transfer funds within Connected accounts. You, as the platform account, have to add your Connected accounts in order to transfer funds. Here's the ACH guide: https://stripe.com/docs/payments/ach-debit/accept-a-payment As always, if you have any additional queries or concerns, please do not hesitate to reach out. I would be more than happy to help.

dense zenith Aug 21, 2023, 9:42 PM

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If you do not want the Platform to be liable for anything, then yes, Direct Charges is the way to go: https://stripe.com/docs/disputes/connect.

If you’re using Connect and Custom or Express accounts, your platform is ultimately responsible for any disputes that occur. For payments created on Standard accounts using direct charges, those accounts are responsible for disputes and any funds are withdrawn from their balance—not the platform.

astral void Aug 21, 2023, 9:42 PM

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so that means i can't hold the money till it's delivered right?

dense zenith Aug 21, 2023, 9:46 PM

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You can use, https://stripe.com/docs/payments/place-a-hold-on-a-payment-method where you can place a hold on the payment method, then after the dleivery charge the customer.

astral void Aug 21, 2023, 9:47 PM

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will that mean that the charge could possibly decline from the customer after the delivery ?

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(does the money leave the account of the user when they purchase the item or when its delievered)

dense zenith Aug 21, 2023, 9:51 PM

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The amount would be held on the payment method. If you on your own card see 'Pending' transactions, that is what it is

astral void Aug 21, 2023, 9:51 PM

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ok so there's no chance the user will receive the product and the charge could some how fail when calling capture via the api

dense zenith Aug 21, 2023, 9:55 PM

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There is a 7 day limit on the hold but it's highly unlikely. I recommend that you review this documentation: https://stripe.com/docs/payments/place-a-hold-on-a-payment-method thoroughly to learn more about this flow.

astral void Aug 21, 2023, 9:56 PM

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thanks so much for all your help 🔥

#nikolaiavich