#roanex_api

1 messages · Page 1 of 1 (latest)

thorn lanternBOT
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thick vector
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hi! we mainly answer technical/coding questions here, not pricing. I'm not sure what you mean by "PL" fees, but processing any card payment has a fee yes.

unreal swallow
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Sorry I meant Payout fees and thanks

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Are you able to help with charge/transfer flows?

thick vector
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sure, happy to help, what's the question?

unreal swallow
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I want to allow businesses in my website to transfer money to their drivers or employees, similar to payroll and I wanted to create the charge and for the money to go directly to the Stripe account to create a transfer to the final connect account destination for later payout. The problem that I I’m having is that when I try to create a charge on the platform account and wants me to pay with the payment method that is associated with my account, but I want to use the customers payment method won’t let me. The temporary solution I found was to created charge on the connected account and then transfer to the platform and then from the platform transfer to the final destination connect account but that’s creating too many API calls and steps and then when I am trying to reverse the payment, I have to do thereverse and the same order backwards because there are so many different AI calls sometimes one fails and complicates everything

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I was wondering if there is a shorter way to do it without creating so many API calls

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Sorry for any grammar errors I am unable to type, and I have to transcribe using my microphone

thick vector
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hmm. I don't think there's a better solution really, you can not move money directly between connected accounts, you can only transfer from a platform to a connected account (and can use https://docs.stripe.com/connect/account-debits to move from a connected account to a platform), so what you're describing is mostly the only way this works.

You could consider modelling this differently. For instance it's common to have, on your platform account, some Customer cus_xxx that you "know" is also the same 'person' as a certain Account acct_xxx and you charge that Customer's attached card instead of directly touching the account's balance. Not ideal but it's one way of doing things.

thorn lanternBOT
unreal swallow
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Thanks for the information. I’ll give that a try.

unreal swallow
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Also, since it takes a while for ACH payments to process and settle into the Stripe accounts, and also it takes a few days for the payouts to get to the bank account, can I have the customers at fans to the describe connect account a few days ahead and somehow managed their fonts and let them know when they are running low and being sure they always have money there for payments that way the payments for the drivers take that long?

daring rock
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Hey! Taking over for my colleague. Let me catch up.

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I'm not sure I understand the use case here 100% but you can consider the funds available once the PaymentIntent's status is successfull. You can start working with it befre beeing fully available in your Stripe Balance and/or wait untill the payout reaches your/connect Account bank account

unreal swallow
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I see, so are there cases where it fails after being successful? Do they become successful quickly? I use Web hooks to check if the payment intent status is succeeded and then I processed the rest of the transfers and payouts to make sure I don’t end up with any negative balances on the Stripe account or connected accounting case the payment fails

thick vector
unreal swallow
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Ok so in order to expedite delivery of funds, should I use card payment instead? Is it quicker? I would like for the webhook to confirm succeeded before sending the payout to avoid negative balancees bit if I do that it could take a while for the user to get the money

thick vector
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yes, that's the trade off of using a debit payment method, it's slower but usually cheaper

unreal swallow
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Unless I send an invoice to the customer in the event, this happens

thick vector
unreal swallow
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Thanks for the information

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One more question

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Can connect accounts subscribe to other connect account subscriptions?

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I am using Stripe customer portal and subscriptions to charge my customers to use my website, but strive customers are different than connected accounts so what I wanted to do was created from my company as a platform and then create subscriptions and instead of accepting regular customers I would accept connect accounts to subscribe that way they don’t have to have multiple payment methods, one for paying drivers and then one for their subscriptions

thick vector
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hmm, I would say no. A 'connect account' can't subscribe to anything. Only a Customer cus_xxx can have a Subscription sub_xxx. And in general objects are scoped to the account they're on so a Customer on one account or on a platform can not see Prices/Products on other accounts.

What you're describing is another use case for the "some Customer cus_xxx that you "know" is also the same 'person' as a certain Account acct_xxx" model where you "tie" together two objects in your business logic. The current Connect API doesn't natively support this sort of "entity can be a customer and also a receiver of funds" , but it's a common use case and something we'll improve in future.

unreal swallow
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Alright

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// Set your secret key. Remember to switch to your live secret key in production.
// See your keys here: https://dashboard.stripe.com/apikeys
$stripe = new \Stripe\StripeClient('sk_test_4eC39HqLyjWDarjtT1zdp7dc');

$stripe->charges->create([
'amount' => 1500,
'currency' => 'usd',
'source' => '{{CONNECTED_ACCOUNT_ID}}',
]); in this request is there a way that I can add the connected account payment method instead of the connected account balance? Because on my website interface, I allowed the customer to choose which bank account they want to use to pay their drivers

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.

thick vector
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depends what you mean by " connected account payment method". Connected accounts do not have payment methods, they have ExternalAccounts(where payouts go to); and they might have Customers of their own that have PaymentMethods. Only Customers have PaymentMethods. It's really important to grok the model here.

unreal swallow
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I want the payment to go straight to my platform, but use the connected account payment method to create a charge as if they were paying for an invoice or any other service

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Yes, that’s what I mean external account

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The way my payment flow is now is the customer or connected account and create the charge and the balance goes to their account and then I transferred it to the platform, but I would like to create a charge that goes to my platform first but use the account external account. Is that possible?

thick vector
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like you want to charge the connected account's external account as an ACH Debit PaymentMethod?

unreal swallow
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Yes

thick vector
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the only way to do that is what I'm saying — create a Customer on your platform, collect their bank account details again, create an ACH DD PaymentMethod, and confirm a PaymentIntent with that.

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you can't directly charge external account, you would create a separate Customer/PaymentMethod that just happens to be using the same bank details.

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otherwise you can debit the connected account's Stripe balance(if it goes negative we will debit their bank account), which is what your code earlier is doing and is not exactly the same thing.

unreal swallow
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OK, so that means that I can create regular customers and charge them and still transfer the money to the connected account? In that case, businesses or trucking companies would be regular customers and drivers will be connected account, right?

thorn lanternBOT
thick vector
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customers are people you take money from, connected accounts are who you give money to. You can have a Customer and an Account for the same underlying person if you need to model someone who can do both.

unreal swallow
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OK in that case Customer(trucking companies) will only be sending money to the drivers(connected accounts)

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but if I want the customer or trucking company to also receive money, I will have to create a connect account for that customer and save the details to my database too

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I think I understood

finite shoal
unreal swallow
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OK and one last question

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When I am bored, my customers as customer accounts and other payment method or external account, their account is not verified, it is added as new, I know there are micro deposits but since I am in a test account and I can’t really go and see them so the question is and the live server will the micro deposits automatically get deposited into the external account for the user to verify or I have to send another API call to deposit the micro deposit?

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I meant when I onboard

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But I am board