#phenomenal_parrot_69376

1 messages · Page 1 of 1 (latest)

twilit rockBOT
ancient heath
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hello! I'm afraid I'm not familiar with the term PG ? Can you share what does that mean?

versed sinew
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it refers to payment gateway. Stripe is one of PG.

ancient heath
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We have following statuses for Bank Tranfer. We need to map with PG's signal, so could you what are different types of status Stripe bank transfer has

Statuses from PG or result codes. e.g. Captured = When payment received from customer and send a success signal.

You'll want to listen to webhook events to be updated about the payment status. This section explains it in more detail : https://stripe.com/docs/payments/bank-transfers/accept-a-payment?platform=api&invoices=without&country=JP#web-confirm-success

銀行振込を受け付ける

Payment Intents API を使用して、銀行振込による支払いを受け付けます。

versed sinew
ancient heath
versed sinew
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Could you help to check remaining questions?

ancient heath
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sorry, I'll get back to you shortly, we're handling several users at the same time so this might take a while. If you'd prefer we respond async. You can also reach out via https://support.stripe.com/contact/email

Contact Us | Stripe: Help & Support

Find help and support for Stripe. Our support site provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

versed sinew
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Also on top on previous inquiries, I also have another question.
Before integration is completed, is it possible to manually handle the case?
For example, can Stripe issue a onetime virtual account to receive money, and we manually handle the orders from backend without integration?

We tried to activate Bank transfer for mungpv@smartosc.com account for dev purpose, but no response is displaying when request access is clicked on settings. How do I activate this option?

ancient heath
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3.Could you specify what are the different types of email Stripe sends to customer and when that emails get sent?
3.1 If this is managed in the dashboard, please share the details.

I assume this is regarding bank transfers

Generally, Stripe will send a payment receipt (https://stripe.com/docs/receipts) upon successful payment, and refund email for bank transfers to collect the details for refund.

If you want Stripe to send payment instructions via email for bank transfers : https://stripe.com/docs/payments/bank-transfers/accept-a-payment?platform=api#instruction-emails

Email receipts

Send payment or refund receipts automatically.

Accept a bank transfer

Use the Payment Intents API to accept bank transfer payments.

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When there are amount overpaid or to be refunded, we can either store in customer balance or refund through original card. Regarding customer balance, is it with the stripe account balance? or just leave the balance in virtual account number as it is unique for each customers? Are unique virtual account number gets generated and validation is done per their email address?

If we're talking about bank transfer, there is no card involved. Regarding customer balance, it is on the Customer itself : https://stripe.com/docs/payments/customer-balance

Customer balance

Learn how to use the customer balance with payments.

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Are unique virtual account number gets generated and validation is done per their email address?

I don't quite understand this question.

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Can we turn off the pop up from Stripe when customer places an order?

What pop up are you referring to? Can you share a screenshot?

twilit rockBOT
shell pilot
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Hi @versed sinew I'm taking over this thread, let me. know if you have any follow-up questions

versed sinew
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Hi @shell pilot , let me reorganize the questions.

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All questions below is for Bank Transfer

  1. Does Stripe sends any sorts of emails? For example, when underpaid, send email to customer to remind to pay remaining fees, or when refund is made successfully, etc.
  2. When there are amount overpaid or to be refunded, we can either store in customer balance or refund through original card is merchant can provide this info. Regarding customer balance, is it with the stripe **account **balance? or just leave the balance in virtual account number as it is unique for each customers? Are unique virtual account number gets generated and validation is done per their email address?
  3. when customer purchases with Bank Transfer option, I saw new tab or pop up comes for customer to show on fund transfer instruction. If we can display it without customized page, can we disable this page?
  4. How is the process of choosing Refund to be done at cash balance and original payment method? Can we do, we will first try to refund to customer's bank, and if fails, then store the balance? Also how are other merchants are managing this?
  5. What is the difference between a Charge or a PaymentIntent object? Can we choose either for refund request?
  6. We tried to activate Bank transfer for mungpv@smartosc.com account for dev purpose, but no response is displaying when request access is clicked on settings. How do I activate this option?
  7. Before integration is completed, is it possible to manually handle the case?
    For example, can Stripe issue a onetime virtual account to receive money, and we manually handle the orders from backend without integration?
shell pilot
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  1. https://stripe.com/docs/payments/bank-transfers/accept-a-payment?platform=web#instruction-emails
  2. overpaid amounts are stored in customer balance https://stripe.com/docs/payments/bank-transfers#customer-balance
  3. Don't quite understand the question. If you disabled the page, how would you inform your customers for payments?
  4. Details are covered in https://stripe.com/docs/payments/customer-balance/refunding
  5. Charges are created by a PaymentIntent, you can use either charge or payement_intent to create a refund
  6. You can reach out to stripe support https://support.stripe.com/contact/email for inquiry about payment method activation
  7. No sure what you mean by "handle the orders from backend without integration"
Refund bank transfer payments

Refund payments made with bank transfers, or refund a customer’s available cash balance.

Contact Us | Stripe: Help & Support

Find help and support for Stripe. Our support site provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

Accept a bank transfer

Use the Payment Intents API to accept bank transfer payments.

Bank transfer payments

Learn about bank transfers and managing payments with the customer balance.

versed sinew
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  1. What exactly is the customer balance? Balance in Stripe account or in Virtual account number?
  2. We would like to receive virtual account information from Stripe via API, and display it in our thank you page.
  3. We have bulk deal coming up at the end of Nov, but to develope and test Bank Transfer is too tight. So we were wondering if we can asak Stripe team to manually create Virtual account number which we can email out to the customer so he/she can pay for this deal only. after we will manually create order from backend to process the remaining.
shell pilot
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  1. No, I don't see an API for virtual bank account creations.
versed sinew
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  1. I am still confused on it. So doest Balance refer to balance in Stripe account? I am asking in case of when customers do not have Stripe account.
  2. This is a page that appears when bank transfer checkout is completed, but an email.
  3. I am not asking for dev purpose, but to workaround one time solution to make up this deal. Is it possible to manually handle bank transfer without development?
shell pilot
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  1. Your customer doesn't need a Stripe account. The customer balance is stored with the customer
  2. I don' understand what you mean
  3. No
versed sinew
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  1. So how does Stripe know which balance is mapped per customer? via virtual account number as it is unique per user? email?
  2. We had a meeting with Stripe team last week and they showed us demonstration for Bank transfer. The flow was customer fill out necessary info at checkout page, check Bank trasnfer for Payment method, and clicked place order. Then new page displated with Bank information for instruction. Can we disable this?
shell pilot
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  1. It's expalined in the first paragraph https://stripe.com/docs/payments/bank-transfers/accept-a-payment
    The first time you accept a bank transfer payment from a customer, Stripe generates a virtual bank account for them, which you can then share with them directly. All future bank transfer payments from this customer get sent to this bank account. In some countries, Stripe also provides you with a unique transfer reference number that your customer should include with each transfer to make it easier to match the transfer against outstanding payments. Some countries have limits on the number of virtual bank account numbers that you can create for free.
versed sinew
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  1. I see that customers need to enter their transaction reference number. Where do they enter this number?
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Sorry for keep bothering, I need to udnerstand the flow perfectly for develpment.

ancient heath
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I see that customers need to enter their transaction reference number. Where do they enter this number?

This is when the customer makes the transfer using their bank. We won't know where exactly in their bank UI do they input this transaction reference number

versed sinew
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So may I assume that there are some sorts of remark or name field where they must enter for sending funds from bank apps?

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In that case, what if customer misses their reference number and make a fund?

ancient heath
versed sinew
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in case of default stripe reconcilation, is there a risk of
A customer transfer funds, and order gets placed for B user?

ancient heath
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the virtual account number is unique for a Customer

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the only posssibility of that occurring is if the customer transferred to the wrong account

versed sinew
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Ok so please confirm that Stripe validates funds by checking two things.

  1. Transaction reference number - to match with specific order
  2. Customer virtual account number - This is unique and assigned per customers.
ancient heath
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what do you mean by validate funds?

versed sinew
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what i mean by validate is for Stripe to match specific funds with customer

shell pilot
versed sinew
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thank you so much. This quick QnA session cleared the overall flow so much more.