#axelhedlund
spare swan
Hey Vanya all good?
junior garnet
Hi, let me help you with this.
There's a few ways:
- Reversing transfers - send back funds received via a transfer, limited to the original amount: https://stripe.com/docs/connect/charges-transfers#reversing-transfers
- Account debit - debit Express or Custom account for an arbitrary amount (some limitations apply): https://stripe.com/docs/connect/account-debits
spare swan
Alright, I went throught the options, some further questions. We use connected account (cusotm) when somebody purchases an item assocciated with the connected account the money is directly transfered there and the plattform (we) collect our fee. This means that there is no transfere between plattform and connected account so in other words we need to use the second option (right?)
In other words this is the recommended flow?
curl https://api.stripe.com/v1/transfers
-u "sk_test_4QHS9UR02FMGKPqdjElznDRI:"
-H "Stripe-Account: {{CONNECTED_ACCOUNT_ID}}"
-d amount=1500
-d currency=usd
-d destination={{PLATFORM_STRIPE_ACCOUNT_ID}}
uncut oliveBOT
spare swan
Do we need any compliance in order to run this? Since we are actively moving connected accounts money?
lavish frost
No, you shouldn't need to use account debits for that
To clarify, is this to say that you are creating the PaymentIntents directly on the connected account, or are you creating a payment intent on your account and funds are being transferred to the connected account from that intent?
Basically, no matter your flow, there are ways of making sure that funds stay on your platform account as part of the initial payment
spare swan
We make the intent directly. We dont want allt the money but only the plattform fee.
However my senario is like this
When somebody have bought something assocciated with the connected account the money goes there directly and plattform collects is share. However if the supplier of that item fails to apply to shipping rules we want to charge the owner of the connected account for not applying. So we don't want to transfer money from the connected account since that money might need to be refunded to the buyer in it's total amount
lavish frost
Gotcha, so an account debit would be appropriate if you are a US based platform (they are only currently supported for US platforms), otherwise partially reversing the transfer would be the way to go
we don't want to transfer money from the connected account since that money might need to be refunded to the buyer in it's total amount
You can always transfer further funds to the connected account if their balance is too low and refund the full amount so there is no issue here
Also unfortunatley that transfers snippet is not how to do either flow here. I'd reccommend reading through the docs that vanya sent, they have helpful context and code snippets
spare swan
We are not a us based plattform (Eu). We cant transfer extra funds to the connected account since we are not responsible for the delay.
A better question is (how do you charge a connected account for not applying to plattform rules)
lavish frost
We cant transfer extra funds to the connected account since we are not responsible for the delay.
If you want to do a full refund, there will be situations where you have to send money to the connected account
This will only need to happen when their balance is low
spare swan
Yes that is true
lavish frost
And you can still note that they owe you money or collect a payment method from them and charge that, but you won't be able to initiate the refund if their balance is too low
spare swan
Yes a saw that. So in other words the best way is to just charge the connected account directly when not applying
lavish frost
Yep, that is a great way to handle this