_api | Stripe Developers | Page 1

trim stagBOT Jul 23, 2024, 3:44 PM

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haughty willow Jul 23, 2024, 3:48 PM

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That depends on the PaymentMethod I beleive. Some allow you to make new mandates OBO other accounts, some specifically require that the user specifically approves the new mandate for each account that they make payments to

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What Payment Method(s) are you using here?

midnight parrot Jul 23, 2024, 3:49 PM

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payment methods created by setup intents, could be credit cards, google pay, apple pay

haughty willow Jul 23, 2024, 3:51 PM

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Cards and Apple/Google Pay don't typically require mandates as far as I am aware. Do you have the ID of a specific payment where you got a mandate error from a card?

midnight parrot Jul 23, 2024, 3:52 PM

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it will take me a few minutes but I think I can provide it

haughty willow Jul 23, 2024, 3:56 PM

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Sounds good. Also, in general, when a PaymentMethod specifically needs a mandate for each OBO account, you can create a new mandate by creating a SetupIntent with the existing saved PaymentMethod and then confirm it. Trying to find more info about what PMs require you to recollect a new mandate each time and which let you use the existing mandate to create new ones.

midnight parrot Jul 23, 2024, 4:12 PM

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im having some trouble generating a PM right now, sorry for the delay

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what is OBO account?

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also, creating a mandate doesn't necessarily requires the user's input?

haughty willow Jul 23, 2024, 4:15 PM

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By "OBO account" I meant a connected account that you are specifying in the on_behalf_of field for these payments

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also, creating a mandate doesn't necessarily requires the user's input?
Initially creating a mandate always requires user input. For some specific payment methods, you can use a mandate on your connected account to create on_behalf_of mandates for your connected accounts without further user input.

midnight parrot Jul 23, 2024, 4:16 PM

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what if its a new account?

haughty willow Jul 23, 2024, 4:17 PM

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That would still be a connected account and would have the same requirements as other connected accounts

midnight parrot Jul 23, 2024, 4:23 PM

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I just want it to be clear, but even if its a new merchant account that wasn't the same one I created the setup intent with?

haughty willow Jul 23, 2024, 4:23 PM

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That is specifically the situation where you would need to create a new mandate (for some payment methods)

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Also to be clear, when I am talking about mandates, I am talking about the Mandate objects that Stripe creates. Many payment methods have some kind of mandate, but only some have strict enough requirements that require an object to track them and where you need to create a new one for each merchant of record.
https://docs.stripe.com/api/mandates/object

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Okay so it looks like those mandates are required for ACH, BECS, Bacs, PADs, and SEPA

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Trying to find which ones out of those you need an on_behalf_of mandate for, and out of those which you need to actually reach out to the user each time

midnight parrot Jul 23, 2024, 4:30 PM

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im still trying to provide you with an id

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trying again

haughty willow Jul 23, 2024, 4:32 PM

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Sounds good. And are you planning to use any of the Payment Methods out of the ones that I listed there?

midnight parrot Jul 23, 2024, 4:35 PM

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Trying to do a simple credit card payment

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But I think something is broken and I cant get to the point of actually initiating a payment

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Unrelated to payment

haughty willow Jul 23, 2024, 4:36 PM

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Are you working with recurring payments in india? https://docs.stripe.com/india-recurring-payments
I can double check how those work with OBO if so

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And happy to help, what issue are you running in to before actually initiating the payment?

midnight parrot Jul 23, 2024, 4:37 PM

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No, my customers are from North America

haughty willow Jul 23, 2024, 4:38 PM

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Gotcha, then there shouldn't be a special mandate angle to any of your card payments. You should be able to save cards to your platform and charge them on behalf of whatever connected account you specify

midnight parrot Jul 23, 2024, 4:40 PM

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The use case is this: I charge tenants and then make payouts to vendors that provide me their merchant account

haughty willow Jul 23, 2024, 4:43 PM

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Yep, this should work for that use case.

midnight parrot Jul 23, 2024, 4:48 PM

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Currently what's happening is a vendor connects a new merchant account and in time due a customer gets charged, a payment intent is created and in the obo field I insert the new account id, it fails immediately when I do that, not even a webhook is sent. What should I do differently?

haughty willow Jul 23, 2024, 4:54 PM

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What failure are you getting? That could error out for a few different reasons

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If you can't find a payment now, I can try looking through your request logs if you send me your account ID (acct_1234)

midnight parrot Jul 23, 2024, 5:00 PM

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Can I contact you tomorrow with the information? Right now I dont think im able to provide you with data

haughty willow Jul 23, 2024, 5:03 PM

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For followups, we reccommend asking in the main channel again. That way someone else can help immediately if I am not around

midnight parrot Jul 23, 2024, 5:05 PM

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How can I correlate the new question with this one?

haughty willow Jul 23, 2024, 5:09 PM

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We have a bot that links to the old thread in case anyone needs to go back for context

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But definitely still include the basics of what you are trying to look in to so my colleagues can help without having to ask too much. Like if you say you are trying to do destination + OBO payments but are running in to X error, that should be plenty to start looking in to that.

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