abdullah-farooq_docs | Stripe Developers | Page 1

signal horizonBOT Mar 21, 2024, 6:30 AM

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violet raftBOT Mar 21, 2024, 6:30 AM

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crisp quartz Mar 21, 2024, 6:32 AM

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@spark lichen Could you help me please?

spark lichen Mar 21, 2024, 6:41 AM

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What error do you get specifically?

crisp quartz Mar 21, 2024, 7:04 AM

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Okay, here is my code, I am in test mode. I simply want to send $2 dollars from my Stripe account (Not Connect Account) to a bank account.

First I create token from bank details like this

token = stripe.Token.create(
bank_account={
"country": "US",
"currency": "usd",
"account_holder_name": "Abdullah",
"account_holder_type": "individual",
"routing_number": "110000000",
"account_number": "000123456789",
},
)

Then I create a payout like this

payout = stripe.Payout.create(
amount=data.get("amount"),
currency=data.get("currency"),
method="standard",
destination=token.id,
statement_descriptor="Withdrawl",
)

The token id = "btok_1OwfPGKUUbRGFzos858PGrrZ"

The errors says

No such external account: 'btok_1OwfPGKUUbRGFzos858PGrrZ'

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I have no knowledge of Connect Account/External Account.
Could you tell me what that is and why do we need it to implement Payouts?

Can't we simply send funds into a bank account with this hussle?

spark lichen Mar 21, 2024, 7:09 AM

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Okie so btok_xxx is a token and you need an external account to pass into the Payout API

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https://docs.stripe.com/api/external_account_bank_accounts/create for creating external account from btok

Create a bank account | Stripe API Reference

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

crisp quartz Mar 21, 2024, 7:15 AM

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Okay, I have created an external account like this

account = stripe.Account.create(
type="express",
country="US",
email="abdullah.farooq@camp1.tkxel.com",
capabilities={
"card_payments": {"requested": True},
"transfers": {"requested": True},
},
)

external_account = stripe.Account.create_external_account(
account.id,
external_account=token.id,
)

Now, what's next?

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A connect account is created in my dashboard but the payouts and transfers are paused in it.

spark lichen Mar 21, 2024, 7:18 AM

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Okie can you call the Payout API with that external account in destination?

crisp quartz Mar 21, 2024, 7:21 AM

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payout = stripe.Payout.create(
amount=data.get("amount"),
currency=data.get("currency"),
method="standard",
destination=external_account.account,
statement_descriptor="Withdrawl",
)

Like this?

spark lichen Mar 21, 2024, 7:21 AM

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Yes

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I suppose I will still error but with a different error message

crisp quartz Mar 21, 2024, 7:22 AM

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It says

Request req_B9qhspenqxHsWx: No such external account: 'acct_1OwfPpQLEJ3F9B42'

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""acct_1OwfPpQLEJ3F9B42" is created but it is in restricted mode, I think I need to verify it because it is saying payouts are paused

spark lichen Mar 21, 2024, 7:26 AM

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Wait acct_xxx is a Stripe Account Id

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you want the bank account id create dfrom Account.create_external_account

crisp quartz Mar 21, 2024, 7:35 AM

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Okay, lets try that way

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Back to squre one,

Request req_IknrwUxcCvlSFX: No such external account: 'btok_1OwfPGKUUbRGFzos858PGrrZ'

spark lichen Mar 21, 2024, 7:37 AM

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That's still a btok

crisp quartz Mar 21, 2024, 7:37 AM

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spark lichen Mar 21, 2024, 7:38 AM

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external_account = stripe.Account.create_external_account(
account.id,
  external_account=token.id,
)

What do you get from here?

crisp quartz Mar 21, 2024, 7:39 AM

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<BankAccount bank_account id=ba_1OwfRjQLEJ3F9B42Z0KgFnGS at 0x74b67ed3d4e0> JSON: {
"account": "acct_1OwfPpQLEJ3F9B42",
"account_holder_name": "Abdullah Farooq",
"account_holder_type": "individual",
"account_type": null,
"available_payout_methods": [
"standard"
],
"bank_name": "STRIPE TEST BANK",
"country": "US",
"currency": "usd",
"default_for_currency": true,
"fingerprint": "W9CxlOYXqbQ68Npj",
"future_requirements": {
"currently_due": [],
"errors": [],
"past_due": [],
"pending_verification": []
},
"id": "ba_1OwfRjQLEJ3F9B42Z0KgFnGS",
"last4": "6789",
"metadata": {},
"object": "bank_account",
"requirements": {
"currently_due": [],
"errors": [],
"past_due": [],
"pending_verification": []
},
"routing_number": "110000000",
"status": "new"
}

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This object

spark lichen Mar 21, 2024, 7:48 AM

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alright can you use this ba_xxx into the destination of Payout Create API

violet raftBOT Mar 21, 2024, 8:06 AM

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crisp quartz Mar 21, 2024, 8:07 AM

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Okay

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I got an error
No such external account: 'ba_1OwfRjQLEJ3F9B42Z0KgFnGS'

plucky oak Mar 21, 2024, 8:10 AM

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Can you share the request ID (req_xxx) of this error? Here’s how you can find it: https://support.stripe.com/questions/finding-the-id-for-an-api-request

Finding the ID for an API Request : 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.

crisp quartz Mar 21, 2024, 8:11 AM

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Request ID: req_B9qhspenqxHsWx

plucky oak Mar 21, 2024, 8:14 AM

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ba_1OwfRjQLEJ3F9B42Z0KgFnGS was created on the connected account. Your request should include Stripe-Account header as connected account ID for manual payout. The destination should be ba_xxx not acct_xxx

crisp quartz Mar 21, 2024, 8:15 AM

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This is my order
1- Create Token

token = stripe.Token.create(
bank_account={
"country": "US",
"currency": "usd",
"account_holder_name": "Abdullah",
"account_holder_type": "individual",
"routing_number": "110000000",
"account_number": "000123456789",
},
)

2- Create Account

account = stripe.Account.create(
type="express",
country="US",
email="abdullah.farooq@camp1.tkxel.com",
capabilities={
"card_payments": {"requested": True},
"transfers": {"requested": True},
},
)

3- Create External Account

external_account = stripe.Account.create_external_account(
account.id,
external_account=token.id,
)

4- Payout

payout = stripe.Payout.create(
amount=data.get("amount"),
currency=data.get("currency"),
method="standard",
destination=external_account.bank_account.id,
statement_descriptor="Withdrawl",
)

plucky oak Mar 21, 2024, 8:17 AM

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The last step should be:

payout = stripe.Payout.create(
    amount=data.get("amount"),
    currency=data.get("currency"),
    method="standard",
    destination=external_account.bank_account.id,
    statement_descriptor="Withdrawl",
    stripe_account='{{CONNECTED_ACCOUNT_ID}}',
)

stripe_account is missing. Reference from: https://docs.stripe.com/connect/manual-payouts#regular-payouts

Using manual payouts

Send manual payouts to your connected accounts.

crisp quartz Mar 21, 2024, 8:18 AM

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Let me try

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Really close one. Thanks previous errors areresolved.

Request req_32BVwXZR3nQeAI: Cannot create payouts: this account has requirements that need to be collected. Please provide those fields to re-enable payouts.

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How can I enable it?

plucky oak Mar 21, 2024, 8:25 AM

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After creating an Express connect account, your system should use Account Link to complete the onboarding before paying out: https://docs.stripe.com/connect/express-accounts#create-link with the test data here: https://docs.stripe.com/connect/testing

Testing Stripe Connect

Before going live, test your Connect integration for account creation, identity verification, and payouts.

Using Connect with Express accounts

Express accounts enable your platform to manage payout schedules, customize the flow of funds, and control branding. Stripe will handle onboarding, account management, and identity verification for your platform.

crisp quartz Mar 21, 2024, 8:29 AM

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Okay, what is the difference among Express Account, Standard Account and Custom Account?

plucky oak Mar 21, 2024, 8:30 AM

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Here's the doc for the comparisons between each connected account type: https://docs.stripe.com/connect/accounts#choosing-approach

Choose your account type

Learn more about the different types of Stripe accounts you can use with Connect.

crisp quartz Mar 21, 2024, 8:31 AM

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If user is an individual, what type of connect account it should use in order to fill out only details required for an indivdual, I have seen, it asks for business details, whereas an individual option is selected.

plucky oak Mar 21, 2024, 8:34 AM

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The connected account type should be chosen based on the comparisons listed above, not based on whether an user is an individual. An individual will be asked same onboarding information regardless which connected account type is chosen

crisp quartz Mar 21, 2024, 8:38 AM

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Okay

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Thank you so much for the help.

plucky oak Mar 21, 2024, 8:46 AM

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No problem! Happy to help 😄

crisp quartz Mar 21, 2024, 8:56 AM

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Could you help me with 1 more thing, When I am creating account link, it gives an error

account_link = stripe.AccountLink.create(
account=account.id,
refresh_url="https://chattelz-dev.azurewebsites.net/docs/",
return_url="https://chattelz-dev.azurewebsites.net/docs/",
type="account_onboarding",
)

Request req_NJPUvHFG2PXIZH: You must update your Connect branding settings with icon in order to create an account link. You can set the missing fields at https://dashboard.stripe.com/settings/connect

I am in test mode.

Stripe Login | Sign in to the Stripe Dashboard

Sign in to the Stripe Dashboard to manage business payments and operations in your account. Manage payments and refunds, respond to disputes and more.

plucky oak Mar 21, 2024, 8:57 AM

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As described in the message, branding settings should be done even in test mode

violet raftBOT Mar 21, 2024, 8:59 AM

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crisp quartz Mar 21, 2024, 9:00 AM

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Okay, when I create the Connect Account manually, it gives me account link to fill out the information.

When I do it through API, it says me add brand setting

sick tendon Mar 21, 2024, 9:00 AM

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it just is what is is really, they're different systems

#abdullah-farooq_docs