#vamsi_payout-insufficien
bitter warrenBOT
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fluid birch
@kind berry Hello! I'm happy to help but do you have a clear question about what you can't figure out after reading that error message? I want to understand what's unclear
vamsi_payout-insufficien
kind berry
wondering why i don't have funds even after payments are made to my account before this transfer request.
fluid birch
Gotcha, but the error message is telling you why and how to fix it
kind berry
req_0nvfUfWiYVcOyA - $240 - payment
req_bMNk1VbtwpFkan - $240 - payment
req_l50XucIwChjLtn - $450 - transfer
i dont want to fix my making artificial payments
fluid birch
Funds don't appear in your balance instantly. They take a while to settle, for example 2 days in the US. If you create a Transfer you need to have the funds available immediately in your balance
kind berry
there were payments done earlier to. trafser request
fluid birch
You'll want to read https://docs.stripe.com/payouts#payout-schedule carefully
kind berry
i was told to use transfer_group param during payment intent request creation and transfer request so that transfer will take place instantly
isn't that true ?
fluid birch
you have to use source_transaction if you don't have the funds yet and don't want to float them with your own money and want to wait for the funds from the original Charge to be available
kind berry
Interesting, but my transfer tied to multiple payments from customers...
fluid birch
you would create multiple Transfers in that case
kind berry
lets say i have p1 from customer c1, p2 from customer c2 now i want to transfer p1+p2 to customer c3
fluid birch
you create Transfer t1 with source_transaction: p1 and Transfer t2 with source_transaction: p2
kind berry
oh thats not best approach
need a way to consolidate the payment at our platform then send sigle transfer
fluid birch
That is the only way to do what you want without funding the Transfer amount with your own balance.
If you charge c1 and c2 on Monday, the funds won't be available in your balance until Wednesday. So id you don't want separate Transfers, you have to wait for the funds to be available and then create the Transfer
fluid birch
multiple transfers would not scale
It definitely scale. Thousands of platforms do this every day without any issues on Stripe
Why don't you use Destination Charges in that case? https://stripe.com/docs/connect/destination-charges
kind berry
we dont want to create burst of transfers
instead we choose to have to have one consolidated transfer at customer account.
how does the destination charges work different in simple terms
?
fluid birch
It automatically transfer the funds as part of each individual payment to the right connected account so that you don't have to create the Transfer yourself. It seems to be exactly what you want
kind berry
as of now we are creating the payment intent create and confirm for customer payments instead of using payment intent create/confirm flow we shall use the destination charges ?
fluid birch
They work the same way. The change would be adding transfer_data to your PaymentIntent creation.
See the doc I linked but if you prefer video content we have https://www.youtube.com/watch?v=l3z_3jDiPTI which walks you through it end to end
kind berry
I see start using, transfer_data at payment intent
fluid birch
yes!
kind berry
on confirm of payment intent respective connected account mentioned in the transfer data shall have the funds
fluid birch
The funds will be pending since it takes a while for funds to be available, but it's all automatic and you don't need to create Transfer yourself
kind berry
if my business account manages connected accounts
- payments (p1, p2....)coming from customers shall land at the business/platform account
- from platform/business account we would like to move the consolidated fund to connected customer account.
bitter warrenBOT