#Joffrey
deft sandal
So you want to top up some funds to platform? am I right?
cobalt galleon
Yes, in part.
deft sandal
cobalt galleon
I want to collect payment from clients to top up the platform's balance, to keep the funds. Once the mission is done: send the funds to the client minus the platform fees (10%). As I need to control the timing when it is sent to the person executing the mission.
By now, I'm charging clients with a checkout session with a payment_intent_data having a "transfer_group" label.
deft sandal
are you using direct charges or destination charges?
cobalt galleon
And then, I want to pay the persons (people executing missions) from these funds.
cobalt galleon
are you using direct charges or destination charges?
To pay the persons executing the missions: transfers.
deft sandal
https://stripe.com/docs/connect/charges I'd suggest you go through this doc and determine which charge works best for your business
cobalt galleon
Thanks for the guidance.
I've found this page that is matching my case:
https://stripe.com/docs/connect/separate-charges-and-transfers
I've already been through all of this.
To charge the clients (people who pay the mission), I'm using checkout sessions. It seems to work to charge them and make a transfer in development mode but not in live mode?
It is the code I use to generate a Checkout session to make the client pays the mission:
$stripe->checkout->sessions->create([
'customer_email' => $offer->ad->client->email,
'payment_method_types' => ['card'],
'line_items' => [
[
'price_data' => [
'currency' => 'eur',
'product_data' => [
'name' => 'LABEL',
],
'unit_amount' => [AMOUNT],
],
'quantity' => 1,
],
],
'payment_intent_data' => [
'transfer_group' => [OFFER_ID_TO_MATCH],
'metadata' => [
...
],
],
'mode' => 'payment',
'success_url' => [URL],
'cancel_url' => [CANCEL_URL],
]);
What problem did you get?
cobalt galleon
Here is the error message I get:
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.
Hi! Can you share the request ID (req_xxx)? Here's how you can find it: https://support.stripe.com/questions/finding-the-id-for-an-api-request
cobalt galleon
Yes sure, let me check.
req_94K2RnNAD5nQDz
Here it is.
Here is the full code I use to make the client pays and transfers to the missionner:
// To charge the client for the mission
$stripe->checkout->sessions->create([
'customer_email' => $offer->ad->client->email,
'payment_method_types' => ['card'],
'line_items' => [
[
'price_data' => [
'currency' => 'eur',
'product_data' => [
'name' => 'LABEL',
],
'unit_amount' => [AMOUNT],
],
'quantity' => 1,
],
],
'payment_intent_data' => [
'transfer_group' => [OFFER_ID_TO_MATCH],
'metadata' => [
...
],
],
'mode' => 'payment',
'success_url' => [URL],
'cancel_url' => [CANCEL_URL],
]);
// To transfer funds to the missionner:
$stripe->transfers->create([
'amount' => [AMOUNT_IN_CENTS_MINUS_PLATFORM_FEE],
'currency' => 'eur',
'destination' => [STRIPE_ACCOUNT_ID],
'transfer_group' => [OFFER_ID_TO_MATCH],
]);
Of course, I'm using the official PHP Stripe library.
deft sandal
This request is for transfer creation, not checkout session creation.
And as the response explained, the transfer is unsuccessfuly because you don't have enough balance.
You should develop and test in test mode, not live mode
cobalt galleon
I develop in test mode and it worked to charge the client and pay the missioner but before launching, we give it a test drive.
cobalt galleon
This request is for transfer creation, not checkout session creation.
Yes, but it doesn't work as you said there isn't enough funds.
But in test mode, it worked.
I charge my client, hold the funds, when the mission is finished and validated, I transfer to my missionner minus the platform fees. But not funds...
It works in test mode, not in live mode.
deft sandal
Do you have enough funds in test mode?
cobalt galleon
Yes, it works.
deft sandal
Then it means there's enough balance in test mode for the transfer.
it failed in live mode because there's insufficient balance
cobalt galleon
Ok, but I use the same code for both. Why the behavior is different then?
deft sandal
As I explained many times, it's because of your Stripe balance. You have sufficient in test mode, but insufficient in live mode.
cobalt galleon
Yes, I get that. But the balance is only fed by clients payments. That's why I don't understand.
Do you mind if I test again in test mode and come back to you afterwards?
cobalt galleon
Ok! I just tried it and it works in test mode with the 4000000000000077 card (funds added to balance directly).
I have one question, when I make people pay through a Checkout session, it is not directly added to my stripe balance?
deft sandal
it takes time for the funds to be availble in your balance
https://stripe.com/docs/testing#available-balance you can use these test cards to send the funds from a test transaction directly to your available balance
cobalt galleon
it takes time for the funds to be availble in your balance
Oh ok! I just requested the balance through the API and yes, it is in pending...
Do you know how much time it takes approximately to be available? I thought CC payments were instant.
deft sandal
cobalt galleon
Also the API docs do not display in my browser.
https://stripe.com/docs/api/balance/balance_retrieve
deft sandal
Can you take a screenshot and show me what you see?
cobalt galleon
deft sandal
Refresh it? or use a different browser?
cobalt galleon
Brave v1.58.129 - Chromium 117
I'm using Safari to browse it but it is not really convenient.
I guess there is a webhook to detect when funds are available?
deft sandal
Yup, listen to balance.available
cobalt galleon
Ok, I'll check that. Thanks a lot 🙏
sonic muskBOT