king-connect-fundflows | Stripe Developers | Page 1

boreal topazBOT Oct 18, 2023, 5:23 PM

#

icy osprey Oct 18, 2023, 5:23 PM

#

@devout wharf let's talk here please!

devout wharf Oct 18, 2023, 5:24 PM

#

I have some questions we are testing stripe as a payment solution for our P2P ecommerce solution.. but while testing we are getting errors when attempting to test a payment or payout to vendors

#

specifically this error

#

Funds can't be sent to accounts located in US because it's restricted outside of your platform's region; please contact us via https://support.stripe.com/contact for details.

icy osprey Oct 18, 2023, 5:25 PM

#

king-connect-fundflows

devout wharf Oct 18, 2023, 5:26 PM

#

we built a refund and payment solution so the customers and vendors are protected but need help testing the system if we cannot use the test enviornment without this error above

icy osprey Oct 18, 2023, 5:27 PM

#

@devout wharf I'm assuming you're acting as a Connect platform and sending funds to a connected account using the Create Transfer API?

devout wharf Oct 18, 2023, 5:27 PM

#

specifically this transfer function is giving us the error:
const transfer = await stripe.transfers.create({
amount: 1 * 1000, // Amount in cents (e.g., $10.00)
currency: 'usd',
// source_transaction: payment.transaction, // The charge or payment intent ID you want to transfer funds from
destination: 'acct_1O2cdHLjNLfgfubj', // The recipient's Stripe account ID or bank account ID
transfer_group: 'ORDER_95',
});

#

I dont understand the concept of connect platform but we are having the vendors pass their stripe account id into our dashboard to facilitate the functionality

#

this is not in production yet

icy osprey Oct 18, 2023, 5:28 PM

#

Transferring to a connected account is a fund flow that is restricted. You can't have your platform account in France and then transfer funds to a US account

#

you likely want to watch https://www.youtube.com/watch?v=Wn9YrnLnPz4

devout wharf Oct 18, 2023, 5:29 PM

#

understood would we need to have regions setup for this and automate the region assignment based on the ip of the vendor or the vendors account information ?

icy osprey Oct 18, 2023, 5:29 PM

#

likely yes

devout wharf Oct 18, 2023, 5:29 PM

#

how would we set this up ?

icy osprey Oct 18, 2023, 5:29 PM

#

Funds flows are regulated with strict rules. I highly recommend talking to our support team directly to discuss this

#

https://support.stripe.com/contact

devout wharf Oct 18, 2023, 5:30 PM

#

thank you

#

is there a way to assign regions

#

final question

icy osprey Oct 18, 2023, 5:33 PM

#

You are the developer, you control what you do. Based on the country they are in you ask them and pick the right platform in your code

devout wharf Oct 18, 2023, 5:34 PM

#

thanks im asking for assistance for my development team

#

im not well versed in this aspect of development my team is handling the payment system but I was wondering if you had an example we could test or start with

#

if you cannot help its fine I understand can you connect me with a developer relations personnel

icy osprey Oct 18, 2023, 5:42 PM

#

@devout wharf the question you're asking is too vague unfortunately so I can't really help. This Discord server is aimed at developers writing their own code and integration with concrete questions about what is blocking them. Right now it seems you don't really know how that part will be built and are proxying the question which doesn't really work
So for now my advice is to talk to support at https://support.stripe.com/contact, discuss your business model and flow of funds, align on what is and isn't doable with Stripe first. And then they can guide you towards the right design/approach and your developers can implement this. Then if they (your devs) have questions they can come and ask them here themselves

devout wharf Oct 18, 2023, 5:42 PM

#

how might I be more specific

#

let me get my team in here one moment

#

@quaint wave

#

@icy osprey needs some more details to assist I believe.. please explain to him the exact issue we are facing

icy osprey Oct 18, 2023, 5:46 PM

#

@devout wharf right now you haven't figured out whether your product is even supported, how to model the flow of funds and many other questions that are crucial first. My advice is to start with what I explained first instead of rushing into the wrong development approach

devout wharf Oct 18, 2023, 5:55 PM

#

understood. I am reading through the terms.. just read it... our product is not restricted.. its a Multi vendor P2P Marketplace.. From what we are figuring out is the region issues.. to further explain the situation this is our first time implementing stripe into our systems outside of of single products.. and this is why we are reaching out. I can provide the repo we are working out of but the system is a mobile application and a dashboard. vendors signup on the dashboard and host products on the mobile application.. when the products are purchased the funds are locked into our a payout solution until the product is received by the customer.. that way if there is a refund needed it can be sent back to the customers card. we have figured out the customer side of things and are working on the vendor side. if you would like to view the code we can share it with you for further assistance. There is a blockchain aspect to this but that is handled in the back-end and is only functioning as a receipt. does this help ?

esentially product is sold---> payment is sent to company account---> product receipt is confirmed---> vendor payment is processed

#

we are testing the vendor payouts to see how it should work when we ran into this issue related to the region as you explained

#

everything is in the test enviornment fyi nothing is in production we understand the KYC and the AMM aspects

icy osprey Oct 18, 2023, 5:58 PM

#

I understand all of that, but right now step 1 is to pick the right flow of funds, which is complex depending on your business, where your company is based, etc. This is fundamental to make the right choice and not something I can help with

devout wharf Oct 18, 2023, 5:59 PM

#

USA

icy osprey Oct 18, 2023, 5:59 PM

#

Funds can't be sent to accounts located in US because it's restricted outside of your platform's region; please contact us via https://support.stripe.com/contact for details.

#

you said this earlier. If you company is USA based and your vendors are USA based then what's the problem?

devout wharf Oct 18, 2023, 6:00 PM

#

thats what were trying to figure out.. if we need to adjust our function.. as I said before we are new to the stripe ecosystem

icy osprey Oct 18, 2023, 6:02 PM

#

Okay, let's pause my approach for a second. You have an error, that error would have a clear request id req_123 somewhere in the response. Can you share that?

devout wharf Oct 18, 2023, 6:02 PM

#

yes one moment

quaint wave Oct 18, 2023, 6:06 PM

#

"requestId": "req_Eekff9z08Dobv4",

#

#

I created these manually, but all is restricted

#

Why all connected account is restricted ?

icy osprey Oct 18, 2023, 6:10 PM

#

cool so your main platform account is HK based on US based

#

An HK platform account can not transfer to the US (or to Europe). A US platform account can not transfer to HK, etc.
But you started stating that you have a US platform but you don't

devout wharf Oct 18, 2023, 6:11 PM

#

seems some mistake was made in the account setup

#

will have to adjust this

icy osprey Oct 18, 2023, 6:13 PM

#

yeah if you create a US-based Stripe account instead then you can create Transfers to US based connected accounts (your vendors)

devout wharf Oct 18, 2023, 6:14 PM

#

question the location is assigned automatically or is from my EIN ?

icy osprey Oct 18, 2023, 6:14 PM

#

neither. It's a decision you make when you create the account in the first place in the Dashboard

devout wharf Oct 18, 2023, 6:15 PM

#

okay let me check we will get back to you if we experience further issues.. on another note is there a way to be able to do business internationally with stripe or do we need a business account setup in each region

icy osprey Oct 18, 2023, 6:16 PM

#

I don't really know what that could mean or rather that could mean numerous things. This is back to flow of funds and is a discussion you need to have with our support team instead as it's about compliance

devout wharf Oct 18, 2023, 6:17 PM

#

by this i mean an ebay like experience

#

but as your saying this i remember ebay has a different region for different countries

#

thank you

#king-connect-fundflows