#dan_api
brazen marshBOT
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old burrowBOT
dire radish
I couldn't add as much information to that popup as I needed to.
But basically, the deposit is taken with Stripe Checkout when the customer accepts a quote. The quote is accepted and an invoice is generated automatically.
mellow pecan
source_transaction really only works for amounts less than or equal to the source transaction passed
I see, am I maybe doing things a bit wrong here then?
Should the deposit be being paid off the invoice instead of being a seperate transaction?
We're a new startup, so there's no cleared funds in our account yet, so I can't make the payment to our repairer, I used the source_transaction to make sure the transfer was done automatically.
mellow pecan
Just curious, why do you need to do the transfers separately? Why not do destination charges?
dire radish
I'm not sure what that is, I thought it would have been straightforward enough to make the transfer to the repairers connected account once the customer paid the invoice
mellow pecan
Things can get complicated when you handle transfers yourself
Destination charges are really the recommended flow
Separate charges and transfers are only recommended if you have a specific usecase
dire radish
But I think the transfer amount will always be larger than the source_transaction becuase of the deposit
mellow pecan
Take a look: https://docs.stripe.com/connect/destination-charges
Well you'd specify transfer_data in the deposit too
So they'd be separate transfers technically
But my recommendation is to do the above flow if possible
Otherwise, you'll need to wait for your account balance to have the proper funds for transfer
Or just do 2 separate transfers yourself
dire radish
I'm not charging the repairer's connected account, I'm sending them money. I'm sending them the money the customer paid but keeping a platform cut
How long does it usually take for funds to be available for transfer?
mellow pecan
I'm not charging the repairer's connected account, I'm sending them money. I'm s...
Yes I know. That's what the guide I linked does
dire radish
By the way, all of this worked in Stripe's test environment, this is why I'm confused
dire radish
Yes I know. That's what the guide I linked does
Okay, thanks I'll take a look
mellow pecan
Yeah let me know if that flow doesn't work for you for some reason
But it'll massively simplify things
You won't need to worry about transferring yourself
It'll be handled automatically
dire radish
Does that mean that the repairer will see what we take as a cut though? We've tried to stay away from that
dire radish
Okay, and we would use the application fee, to keep our cut?
mellow pecan
No
dire radish
Sorry
mellow pecan
You'd just keep whatever amount you don't transfer them
The idea is you specify exactly how much out of the total to transfer them
Recommend reading the guide
The connect account only sees what you transfer them
dire radish
Okay, thank you for your time
mellow pecan
No problem. Let us know if that doesn't work for you
We can help you come up with a different solution
But I always recommend destination charges if possible over separate charges and transfers
It makes things so much easier
dire radish
I'm just trying to work out how the customer finishes and pays the invoice
As right now, we send them the invoice hosted url
mellow pecan
Do you not want them to pay that way?
Also if you're using invoices, you can specify transfer data the same way as it's shown in the linked guide with payment intents: https://docs.stripe.com/api/invoices/create#create_invoice-transfer_data
It's the same param
dire radish
Sorry, I'm just really confused as I thought I had it working, so I'm trying to get it right in my brain.
So, in Stripe via the API, we create a quote and it's sent to customer
Customer accepts the quote and pays a deposit via the Stripe checkout
When the quote is marked as accepted the invoice is auto generated by Stripe
Is all the above to stay the same?
mellow pecan
Yeah that would all work the same
The only thing that's different here is you no longer have to worry about transfers
Again, recommend reading the guide
dire radish
Okay, I think I've got it right, thanks so much for your patience
mellow pecan
No problem
For checkout, you'd set transfer_data here: https://docs.stripe.com/api/checkout/sessions/create#create_checkout_session-payment_intent_data-transfer_data
dire radish
Actually, By the time the charge is made, it would only be for the remainder of the invoice minus the deposit, which has nothing to do with the invoice, so the repairer would always get £35 less on that paymentintent charge
So if the customer paid £35 deposit and their bill was £190, their final charge would be £155 and that would go to the repairer, when the repairer was due £190
Does that mean, I still need to do customer transfers becuse of the deposit messing things up?
mellow pecan
So the transfer would be less than the total payment intent amount?
dire radish
In this scenario that failed today.
The job cost the customer £190
The customer had already paid £35 deposit
The repairer in this case was getting the whole amount of £190
But in normal cases we would not normally be giving them the whole amount, this job was quoted wrong.
Usually we would have kept £60 of the £190 and send £130 to the connected account.
mellow pecan
Yeah I mean if transfer is <= to the payment intent amount it shouldn't fail with source trasnfer
dire radish
We need to keep the deposit in case the repairer doesn't show or the job is cancelled
mellow pecan
But based on your original message, it's no surprise that this failed
dire radish
So when the customer comes to pay (so long as things are quoted correctly)
I could send them a link to my platform which creates a checkout session, can I pass the invoice through the checkout session or payment for the invoice that already exists and use the transfer_Data on the payment intent to go to the connected account?
Again I apologise, I can only imagine this is infuriating
mellow pecan
Not sure I understand the question
dire radish
So, I get that instead of making a charge then doing transfers, instead I can make a payment intent with part of the amount going to the connected account, so let's say I now have created that payment intent, how do I present this to the customer, to pay it? Would I create a checkout session for the customer with this payment intent?
My thoughts were that I could send them a link to my platform which auto redirects to Stripe checkout for them to pay
Instead of waiting for them to pay the invoice, listening for webhooks, then making a transfer int eh code
mellow pecan
You can do it direclty in checkout
No need to create a payment intent
I shared this with you earlier: #1215326852902555648 message
transfer_data can be easily inserted into your current flow
old burrowBOT
dire radish
Okay, so then how does the invoice get marked as paid? I now have my customer coming back to the site, a checkout session is created with payment_intent.transfer_data which will send part of this to my connected account, but I still have the invoice which was generated from the quote which will still remain open
left sorrel
Hello codename_duchess has to step out so I am catching up here...
dire radish
Okay, thanks codename_duchess for your time
Sorry, I know I'm coming across dumb here, I'm just a little confused, I think it's becuase I've set up the flow all wrong.
Hi Pompey
Realise it's not in your scope, I'd just be massively grateful if you could assist me on a top level flow or what I might be doing wrong
left sorrel
No worries not dumb questions at all. So the current question is how does the invoice that is generated from a quote? If so, do you have the ID of an invoice that I can check?
Apologies, more threads than I realized. If that isn't an accurate summary, can you summarize your open questions for me?
dire radish
No problem yea, this is the invoice ID from today: in_1OqvMwIzvUgZFm3P9UeIpxaN
I'm moving stuff around so that instead of making a transfer via the API after the customer has paid that invoice, instead, I'm going to send the customer a link to our platform which redirects the customer to a Stripe Checkout session. This session will have a payment_intent.transfer_data with the amount we want to give the repairer and their connect ID.
But, after that's done, there'll be an open invoice still around, how do I mark that invoice as paid, when it was techinically paid in the checkout session.
Have I made that make sense? 🤦♂️
left sorrel
I'm actually surprised if you are seeing that behavior. Do you have the ID of a checkout session that this happened with? When Checkout Sessions generate an email as a receipt for the payment, the invoice status should already be paid instead of open.
For in_1OqvMwIzvUgZFm3P9UeIpxaN, that invoice was created with a payment_behavior of charge_automatically (I can check, but I think it gets that from the quote). So when that invoice finalized, Stripe automatically charged the customer's default payment method.
dire radish
Sorry, I'm complicating things, the above is what I plan to do, what happened in the case of that invoice, is what I currently think I'm doing wrong.
Right now, the invoice is created off the back of a quote the customer accepted at the start of the flow.
That invoice was paid via the hosted invoice page.
But codename_duchess propsed that instead of making transfers, use payment intents and move some of the amount to the connected account which makes sense and seems cleaner.
But regardless of either, in my new way of thinking of doing this, if I send the customer to a stripe checkout to pay the final balance, there's still going to be an invoice open, becuase I've sent the customer through a checkout session and not to a hosted invoice payment page
left sorrel
I just tested in test mode and the invoice is created with a status of paid. So you should be good there
And yeah, destination charges definitely sound like a good fit here. They are more or less an automated way to do separate charges and transfers. So the same results (and you will still need to make another transfer if you want to send 190 while only charging 135), but simpler overall.
dire radish
When you say the invoice is created with the status of paid, is that an invoice created by the checkout session? If so, this is where I'm confused. I already have an invoice before this stage as it was created when the customer accepted the quote.
It's an invoice with a credit note of £35 for their deposit which we took
The final amount of this invoice is what I had planned to charge in the checkout session for the final payment from the customer, but I'm unsure how to make that invoice paid.
left sorrel
Ah gotcha, can you tell me more about why you want to use Checkout and the Quote here? You are right that that solution would leave an open invoice, in which case you could just cancel the invoice. But I have a feeling that we can make this simpler. What specific functionality from each are you looking to utilize here?
dire radish
So the quote is created so that we can send to our customers on a pdf.
The checkout I was going to use so that I can send that payment_intent.transfer_data so that I can make the transfer from the final payment into the connect account
left sorrel
Quotes actually do have a transfer_data parameter as well. So you can definitely make destination charges while only using the Quote and the Invoice that that generates. https://docs.stripe.com/api/quotes/create#create_quote-transfer_data-destination
When you say PDF, I assume you mean the Quote PDF from before the user accepts? If so, the Quote is likely the way to go. If you only need a PDF for the receipt, you can use Checkout and tell it to generate an invoice when the payment is done https://docs.stripe.com/api/checkout/sessions/create#create_checkout_session-invoice_creation
dire radish
We don't know which connected account the transfer is going to be made to until after the quote is accepted.
So I wouldn't be able to pass transfer_data on quote creation
Can this field be updated on a quote once I we have that data?
left sorrel
Ah apologies I missed that, then you definitely will want to stay with the separate charges and transfers flow that you are already working with. Destination charges can only have their destination on creation. Not knowing the destination until after the payment is a classic use case for SC&C
dire radish
No, so the flow is:
User submits car damage
We generate a quote (which is immediatley finalised)
Quote is sent to customer
Customer accepts quote (invoice is created)
Customer pays £35 deposit via checkout session
Repairer (with connect account) is assigned
Repairer carries out the work
Repairer marks work as complete
Invoice is finalised
Transfer is made to connect account
Hosted invoice payment URL is sent to user
That's how it is now ⬆️
So, what I could do, instead of doing the transfer on the webhook when the invoice is paid, I could update the quote with transfer_data when we know the connect account id and remove the transfer I do in the webhook.
left sorrel
Do you find out the connected account after the quote is accepted but before the payment is actually made?
left sorrel
Gotcha, so transfer_data can only be set before the invoice is finalized or before the Checkout Session is created. If you won't always know where the funds are going by then, SC&C is the way to go.
And again, I do think it may be worth using just Checkout or just the Quote and its Invoice for simplicity here. You can use both but you'd need an extra step to delete the extraneous open invoice
brazen marshBOT
dire radish
Okay, I think by adding the transfer_data to the quote when I have it is the way to go. I'll just make sure that there's never a case whereby we're transferring more that what's on the quote.
I need to pay one of our connect accounts, but the funs aren't available to send yet, how long does this usually take? Their our first user and I don't want them to think we're witholding their money.
flint vessel
Hello! I'm taking over and catching up...
There's information in our payouts documentation about how long it takes funds to become available: https://docs.stripe.com/payouts