#anjan_api

1 messages · Page 1 of 1 (latest)

royal hazelBOT
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atomic coral
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Hi, what does 'user's mean here? Can you add a bit more details about your specific flow and business use case?

broken quiver
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Hi. Our users are either businesses or individuals.

A specific example: for businesses, we administer an employer-benefit that enables them to link their bank accounts and deposit funds for their employees. We're able to accomplish this using the SetupIntent -> Payment Method -> PaymentIntent.

There are also circumstances in which businesses will need to be able to "withdraw" unused funds back into the account that they've linked. I'm looking to understand the best way to accomplish that.

atomic coral
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If you're using PaymentIntent, you can use Refunds no?

broken quiver
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It's technically not a Refund. It's essentially a fresh transaction from their perspective.

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Another flow that we'll want to be able to provide is the ability for an employee of that employer (i.e. an individual) to link their own bank accounts and receive fresh funds in that linked account, perhaps never having created a PaymentIntent in the first place.

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Are Refunds still the recommended way to accomplish this?

atomic coral
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Without Connect, there is just a buyer and seller relationship in this use case. The buyer pays, and if you need to send funds back, you would issue a refund.

broken quiver
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Makes sense. Then I have a couple follow up questions:

How do we set up a Connect account using the Stripe Financial Connection flow? From the user's perspective, we'd want them to see the Financial Connection modal in which they can authenticate their bank account, and then we'd like to be able to use that bank account via Connect.

When Connect is set up, is the mechanism by which funds are sent to the bank account the "Transfer"? What are the steps to creating this?

And finally, is it possible to still continue using Payment Intents for ACH debits?

atomic coral
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Yes, you can use Financial Connections when collection bank accounts to send payouts: https://docs.stripe.com/financial-connections/connect-payouts

You first transfer the funds to the connected account, https://docs.stripe.com/api/transfers/create and then, you can create a payout: https://docs.stripe.com/api/payouts/create for a manual payout. Alternatively, you can set an automatic payout and set a schedule for a specific cadence https://docs.stripe.com/api/accounts/update#update_account-settings-payouts

broken quiver
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Hmm, some of those links don't seem to be loading.

atomic coral
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They are loading for me. Can you share which ones are not working?

royal hazelBOT
broken quiver
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For your first link, are there any resources/guides that show exactly which endpoints our server needs to call in order to set up the Connect account?

I ask because it took a little bit of investigation to work out that for the PaymentIntent flow, our server needs to create a SetupIntent (with a client secret), return that back to the client, and the client needs to use the SDK to invoke collectBankAccountForSetup with the payment_method_type of us_bank_account. What does this look like for Stripe Connect?

atomic coral
broken quiver
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Thanks for sending that.

And is it still possible to both set up a Payment Method (which can be used for Payment Intents) as well as a Connect account in the background after the user selects and authenticates their bank account?

atomic coral
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That won't work, I tested this a while.

broken quiver
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Can you clarify?

atomic coral
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It won't work to collect the details for a Payment flow, and then try to use the same account for a Payout for Connected Accounts.

broken quiver
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Then is the only way to do it to collect the details twice?

atomic coral
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Yes

broken quiver
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How do I set up a debit from a Stripe Connect account?

coral hull
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👋 Stepping in for my teammate