#pablo-_api
prisma coralBOT
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eternal badger
hi! to be honest we explicitly recommend against trying to do this "one payout per payment" flow, it's incredibly complex and brittle.
prisma coralBOT
eternal badger
if you configure your account so that payouts are not automatic, fees and other negative charges are no longer deducted from your bank account.
that's not really true at all. In the first place, fees are not deducted from your bank account. What happens is payment fees are deducted inside the BalanceTransaction for the payment(so you never see the full amount). Refunds are modelled as a negative BalanceTransaction on your Stripe account's balance. Same with chargeback fees and withdrawals. If your Stripe account balance is negative, then we can debit your bank account to clear the negative amount. It's not the same thing overall.
It doesn't matter what payout settings you pick, the creation of BalanceTransactions is the same. It's just that if you're on manual payouts you accumulate a balance in your accout so it might mean less chance of going negative.
rare salmon
Hi! Thanks for your response. You’re right, I didn’t explain myself clearly. When in automatic mode, if our balance is negative today, that amount will be deducted from my bank account. But, why do you say it’s complex and brittle?
weak tusk
A number of reasons mainly:
- If you use manual payouts then you lose the automatic reconciliation that is support on automatic payouts. You need to track that balance history yourself
- You need to manually check when the associated payment is actually available to be paid out. There's no webhook/event system for that, so a lot of manual API lookups to check the balance against which charges/balance transaction are actually available
- Refunds complicate things as they may reduce the balance below the minimum needed to payout a payment
rare salmon
If I decide to try it, would it be possible to switch back to automatic mode later if the results aren't as expected? Also, which approach do you think would work best?
weak tusk
Sure, you can alter the payout config/schedule as you need. As stated, our recommendation is not to do a payout per payment. Manual payouts are common though, just depends on your needs
rare salmon
Would creating a Payment Intent to my bank account to offset the daily fees or, for example, a refund work just fine?
prisma coralBOT
weak tusk
I'm not sure what you're describing
rare salmon
In order to keep my accounting up to date, I would like to, in addition to creating single payouts, account for the fees as a single charge in my bank account. So, I thought a possible way to do this would be to create a Payment Intent that charges my bank account. This way, the only negative amount remaining would be the fees associated with that PaymentIntent, which would be settled with the next fee Payment Intent, and so on.
split sequoia
Hi 👋 jumping in as my teammate needs to step away. That sounds like a pretty complex flow, and a bit circular to have to pay fees on the payment you're making to cover fees. You're welcome to try to build it in testmode and see if it works the way you're hoping, but I'd recommend also reaching out to our support team if you go this route to ensure you aren't violating any of our policies with this approach.
https://support.stripe.com/?contact=true
They understand the terms better than we do here in this forum, here we specialize in helping answer questions about how our APIs and libraries work.