#peter_40675
tough elk
hi! not sure I follow, since a "bank account" does not have an SSN.
What is you full code, what guide are you following, what is the request ID req_xxx from the error?
dark oriole
yes here- req_I7lbVx9YgbDlSb
dark oriole
YEs
Payment.uploadidentitystripe(accparam,function(err,fileObject){
if(err){
reject('0',err);
} else {
var dateOfBirth = accparam.dob.split("-");
var accountObject = {
type: 'custom',
country: accparam.country, // US
email: accparam.email,
business_type: 'individual',
business_profile: {
mcc: '5411',
name: accparam.first_name,
url: "http://dityer.coqm/",
product_description: "This is a shopping and express service application",
},
individual: {
address: {
state: accparam.state,
city: accparam.city,
postal_code:accparam.postal_code,
line1:accparam.line1,//'address_full_match'
},
dob: {
day: dateOfBirth[2],
month:dateOfBirth[1],
year:dateOfBirth[0],
},
email: accparam.email,
first_name: accparam.first_name,
last_name: accparam.last_name,
phone: accparam.phone, // "1-888-211-9874"
},
tos_acceptance: {
date: Math.floor(Date.now() / 1000),
ip: accparam.ip,
},
capabilities: {
card_payments: {
requested: true,
},
transfers: {
requested: true,
},
},
external_account:{
object: 'bank_account',
country: accparam.country, // US
currency: accparam.currency, // usd
bank_name: accparam.bank_name,
account_holder_name: accparam.holder_name,
account_number: accparam.account_number,
routing_number: accparam.routing_number,
},
capabilities: {
card_payments: {
requested: true,
},
transfers: {
requested: true,
},
},
verification: {
additional_document: {
front: fileObject.id
},
document: {
front: fileObject.id
},
},
ssn_last_4: accparam.SSN.slice(accparam.SSN.length - 4)
};
stripe.accounts.create(accountObject,function(errx,account){
console.log(account);
....
tough elk
thanks, and what guide did you follow to decide those are the right parameters?
dark oriole
i have already my senior code
tough elk
because for example, if you check the API reference, you can see that ssn_last_4 should be inside the indiviual:{...} object
same for verification, that goes inside the individual since the information is to verify the individual
https://stripe.com/docs/api/accounts/create#create_account-individual-verification
dark oriole
Thanks now working
But i face one error i will provide log
I created Account Successfully
Now i hit transfer payout api
req_xdUpvDfEkrd4x6
tough elk
yep, as the error says, the transfers capability is not active
dark oriole
account is still restricated
tough elk
you look at the requirements field on the Account object to see what infromation is needed, and then you provide that.
dark oriole
that's why its facing?
tough elk
dark oriole
okay inside individual parameter right?
tough elk
not sure what you mean.
dark oriole
I pass this but getting pending verfication
tough elk
yep, that's normal
dark oriole
okay than can we transfer payout?
tough elk
not until the transfer capability is active
pending_verification means we are currently checking the information you provided
dark oriole
okay how much time it will take then?
tough elk
when we have checked it and the account is active, we send you an account.updated event
dark oriole
okay how much time it will take then?
..?
tough elk
okay how much time it will take then?
it can be any amount of time. In test mode it's usually quite fast. The point is you need to use webhooks and understand this is an async proceses
dark oriole
okay any refrance
tough elk
if you check the account now(call the API to retrieve it) you'll see it's not pending anymore
tough elk
okay any refrance
dark oriole
not at moment because i provide screen shoat just min
tough elk
I highly recommend working with multiple people on your team on this. Custom Connect is the most difficult and complex thing you can build on Stripe.
dark oriole
'did you know what is parameeter for this
tough elk
'did you know what is parameeter for this
it will tell you in the API, in the requirements hash, it will tell you exactly what field it needs.
dark oriole
social security number
tough elk
no, I mean, in the API.
dark oriole
yeah but its not getting what should i exectly pass..
tough elk
in the API it will tell you something like individual.id_number
dark oriole
Sorry for distrub you again but getting like error ->
Cannot provide both id_number and ssn_last_4 unless they match
for testing purpose what should i pass
tough elk
that error seems to explain itself, can I clarify something?
tough elk
for testing purpose what should i pass
tough elk
you also need to use all the testing values (address , date of birth) like address_full_match, San Francisco, CA, US born on 1/1/1901 if you want the account to be verified successfully in test mode
dark oriole
okay just check it
thanks bro now working
Here My final step for payout but its get error 😦
/////////////////////////////////////////////////
stripe.transfers.create(.......
You have insufficient funds in your Stripe account. One likely reason you have insufficient funds is that your funds are automatically being paid out; try enabling manual payouts by going to https://dashboard.stripe.com/account/payouts.
/////////////////////////////////////////////////////
I goes to link but its redirect to dashboard
and my fund balance near 960
dark oriole
but now my account is active/completed
tough elk
ultimately you are trying to run before you can walk. Like I said, Custom Connect is incredibly complex and it's not just something where you make three API calls in a row(create an account, send a transfer, send a payout) and everything just works, it requires a lot of work and understanding of Stripe as a platform, so it will take time to get familiar with everything.
tough elk
Yeah i understrand your point, but what's my next step
if you read https://stackoverflow.com/questions/55686949/why-i-am-getting-insufficient-funds-when-trying-stripe-transfers-even-though-i/55687932#55687932 (I myself wrote that answer 🙂 ) it describes ways you can test this flow and address that exact error. So start by reading/understanding my answer there.
dark oriole
Oh..
that means it will automatic payout..?
i'm sorry now i know you are frusted with giving answer and i'm also too confused right now
nova lodge
Hi there 👋 taking over as my teammate needed to step away. Please bear with me a moment while I catch up on context here.
dark oriole
yes
nova lodge
Alright, reviewed the thread, but I don't think I'm grasping the most recent question. You were talking about Transfers, but then asked about an automatic payout?
How are you adding funds to the test flow for this testing? Are you using payments? If so I would recommend using the test card that bypasses the pending balance step:
https://stripe.com/docs/testing#available-balance
dark oriole
thanks but i want to Just Confirm
const transfer = stripe.transfers.create({
amount: '1',
currency: "usd",
destination: "acct_1NmyjdFf0qMfmgL6",
}).then(function(transfer) {
console.log(transfer);
resolve(transfer);
}).catch(function(error) {
console.log(error.raw.message);
reject(error.raw.message)
});
})
This example is payout money stripe account to connected bank account right?
nova lodge
No. That is creating a Transfer, which represents moving funds between Stripe account balances, primarily used to move funds from your Platform account's balance to your Connected Account's balances. Payouts are used to represent the movement of funds from a Stripe account balance to the associated bank account.
dark oriole
yes that's what i want
i created bank account for connect
and it will get like error
You have insufficient funds in your Stripe account. One likely reason you have insufficient funds is that your funds are automatically being paid out; try enabling manual payouts by going to https://dashboard.stripe.com/account/payouts.
nova lodge
That means there aren't enough funds in your Platform account's balance to complete your Transfer request. You will need to make funds available in order to create the Transfer.
dark oriole
See i have balance 960 something
nova lodge
You shouldn't rely on that dashboard page, it makes it had to differentiate between available funds and funds that are still in your pending balance. You should use the Balance API to check instead, it breaks down the different balances.
https://stripe.com/docs/api/balance/balance_retrieve
But this isn't necessarily something you should just figure out how to work around in test mode. Ensuring funds are available to make the Transfer will be equally important in live mode, and you may face this issue there if you don't have a complete flow.
dark oriole
okay let me see
{
object: 'balance',
available: [ { amount: 0, currency: 'usd', source_types: [Object] } ],
connect_reserved: [ { amount: 0, currency: 'usd' } ],
livemode: false,
pending: [ { amount: 97637, currency: 'usd', source_types: [Object] } ]
}
how it will be available?
nova lodge
Funds take time to settle, once they do they move from your pending balance to your available balance.
nova lodge
Depends on the type of payment method that was used. Some, such as ACH Debits, take longer than others like Cards.
dark oriole
okay 1-2 days minimum..?
nova lodge
Is this just a question for testing? I'm asking because if this is just about getting funds available to test, then you can use the test card that I mentioned earlier which bypasses the pending balance state for payments, but if this is a question that will guide how you build your production flow then I would answer it very differently.
dark oriole
so how can we bypass on testing mode
nova lodge
Alright, reviewed the thread, but I don't think I'm grasping the most recent que...
By using the test card I provided a link to in this message
nova lodge
The link to the test card again:
https://stripe.com/docs/testing#available-balance
nova lodge
You can't use that test card as part of the Transfer, they're used when making the a test payment.
Let's take a step back, for your production flow, how do you intend to get funds into your Platform account balance to send to your Connected Accounts? Processing payments?
dark oriole
yes with processing payments after intent created
now this payment amount i want transfer in connected accounts
nova lodge
Okay, so the Transfers are going to be associated with inbound payments. Did you look at using the source_transaction parameter to tie a Transfer to a payment whose funds are still in pending?
https://stripe.com/docs/connect/separate-charges-and-transfers#transfer-availability
If you're building a Separate Charges and Transfers flow, which it sounds like, you will need to make sure you have a process in place to make sure you have funds available for the Transfers you're trying to create.
dark oriole
okay then where to get charge Id
BY THE WAY GB TO GB WORKING (WHICH I HAVE PREVIOUS PROJECT)
nova lodge
From the Payment Intent
https://stripe.com/docs/api/payment_intents/object#payment_intent_object-latest_charge
dark oriole
its not need charge id
nova lodge
So what is different about this new flow you're building?
dark oriole
NOW Currently transaction between US TO US
mean usd to usd
Bu Now facing this type of fund errrors
modern hillBOT
nova lodge
This fund error has nothing to do with the countries being used, and everything to do with how you're getting funds into your account.