#syoxiss_api
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fair daggerBOT
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- syoxiss_api-account-support, 4 minutes ago, 10 messages
- syoxiss., 6 days ago, 25 messages
night tide
Hello
That's only possible if you connect your platform account as a Connected Account of the Standard Account
half flume
How do I do that?
night tide
You would connect via OAuth.
If this is just a one-time thing then you can generate an OAuth link by logging into the account that you want to be the platform and clicking on the Connect tab and using the "Create" button
half flume
it's not a one-time thing. I would need to regularly transfer out the funds for my commissions into that standard account. I take 10% for every transaction after stripe fees
Is there any possible way to use standard account and do direct charges whilst still getting my 10% fees ater stripe fees?
night tide
You would just use an application fee in this case.
And then you calculate the "after Stripe fees" yourself.
To do that, you do need to build an integration where you know the PaymentMethod ahead of time.
What integration are you using right now?
half flume
I tried that, but the calculations are off. Even knowing the paymentMethod beforehand, sometimes our transaction use international cards maybe from canada and our vendor's are on Australia. Because of that, the conversion fees from CA$ to AUD is not fixed since it changes daily
night tide
Oh well these two accounts are in different regions anyway then it sounds like?
half flume
no, most of the Vendor's conenct accounts are in Australia. However, our buyers may be from anywhere
night tide
Okay well you can't create Transfers between accounts that aren't in the same region.
But if they are in the same region you do only need to connect one time then you could create Transfers. But really, this is not recommended at all. What you should do is create a model where you can determine the amount to take via application fee. The model should not require a perfect 10% with conversion involved. Really that is the recommended route to go here and by far the cleanest integration.
half flume
So do I just transfer to the connect accounts the stripe fees they are owed? Because the stripe fees can flactuate
night tide
What you described above is you create charges on your Connected Accounts and then you want to take 10% back to your platform afterwards, no?
half flume
Yes, but only after stripe fees
night tide
Yeah that is what an application fee does
half flume
If there's a way to pre- calculate it with the most accurate number then I think it's fine. But given the fact that I can't pre-calculate it correctly, we opted to just transfer it out of the vendor's account but apparently that wasn't possible
night tide
Yeah the API really isn't designed for you to transfer out of the Connected Account. This is all meant to happen at charge time
So what you want to do is collect the PaymentMethod before the charge, look at the relevant info about the PaymentMethod (like the country so you know if international), maybe check the current FX rates if you want to, then calculate the Stripe fees and calculate your 10%, then create the PaymentIntent for the amount you want and the application_fee_amount that you want as well.
half flume
Is it possible to just take maybe 15 or 16 % of the fee and then just transfer back the stripe fees owed to the vendor?
night tide
Sure you could do that.
You can always refund part of the application fee
You do that using https://docs.stripe.com/api/fee_refunds/create
half flume
Will this appear as a refund to the vendor or just adjusts the application fee that was taken?
night tide
No it would be a separate balance transaction that indicates a fee refund
half flume
Wouldn't a transfer to the connect account be considered the same?
night tide
A Transfer creates a Payment on the Connected Account. You can also only do that if the Connected Account is in the same region as the platform.
But yeah that is another option if you take a big enough application fee to cover the processing fees as well.
fair daggerBOT
half flume
Is there any other way to maybe do this without those transfers? We don't want to have the vendor see in their accounting multiple refunds because we're doing a lot of transactions. Does stripe have a way to tell us how much the stripe fees are in advance?
night tide
No there is no API for fee calculation in advance. You would need to calculate that yourself.
half flume
What is I use the on_behalf_of? Will I still be responsible for refunds or will it be the vendors?
Because if I can have the money in my platform account and then transfer the amount later to the vendor whilst still making them responsible for refund like direct charges, that could work. Is that possible?
sleek smelt
Hi taking over here
You'll still be responsible. That param just changes settlement merchant. See behaviors listed here: https://docs.stripe.com/connect/destination-charges#settlement-merchant
You'd need direct charges to put responsibility for fees on the connect account
half flume
So application_fee is the only solution?
sleek smelt
Yeah
half flume
What if I create a standard account, already verified then use the Oauth2 process to connect the standard account I created and transfer the funds there?
half flume
Oh yes, but can I do that just via API? By that I mean, not creating the standard account through the create button but instead just use the standard account I've already created and connect it to that vendor. Then I use that same standard account and create it across all of my vendors so that I may just transfer all the funds there?
sleek smelt
You could
half flume
But if I do that, refunding would become a nightmare wouldn't it?