hqm32 | Stripe Developers | Page 1

delicate daggerBOT Oct 4, 2023, 9:36 AM

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narrow marsh Oct 4, 2023, 9:37 AM

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hard to say without an example! depends on a lot of factors. For example you can't do something that would put a Standard connected account into a negative balance, but you can for Express/Custom

and yes there are limits to how much of an 'overdraft'/'debt' you can get into but that is not exposed in the API really

elder dagger Oct 4, 2023, 9:43 AM

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Here is my example log message: https://dashboard.stripe.com/logs/req_9572xV6dWUjG1N?t=1696409211

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narrow marsh Oct 4, 2023, 9:46 AM

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in this case it's probably because your account does not have connect reserves turned on since your platform account is quite old

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i.e. https://stripe.com/docs/connect/account-debits#:~:text=Debiting an account can’t make the connected account balance become negative unless you have reserves enabled (on by default for all new platforms created after 31 January 2017) and have a bank account in the same currency as the debit.

and your platform was created in 2016

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so as a result we don't hold a reserve(https://stripe.com/docs/connect/account-balances#understanding-connected-reserve-balances) and therefore we won't let you create negative balances

elder dagger Oct 4, 2023, 9:54 AM

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We have a lot of connected accounts with negative balances. So this should not be an issue.

The balance overview of our platform account says "Held in reserve
€278,257.37". Is this a different kind of reserve?

narrow marsh Oct 4, 2023, 9:58 AM

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hmm, maybe I'm wrong then, don't know

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this is not an area I work with, I answer API/dev questions. I'd suggest writing to https://support.stripe.com/?contact=true

I had a look at the connected account and it does already have a five-figure negative balance , and as I mentioned there can be internal limits on negative balances, so probably best to contact support if you have a concern

elder dagger Oct 4, 2023, 10:01 AM

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Ok I will do that. Thank you for your time.

#hqm32