#yeti_best-practices

1 messages · Page 1 of 1 (latest)

undone patioBOT
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hazy vortexBOT
proven timber
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Hi 👋 you'll definitely want to use Connect for that. You can refund payments created via Connect flows, so I'm not sure I'm grasping the requirement you're trying to satisfy. Can you tell me a bit more about what you're hoping to accomplish?

jade stag
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Hi

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Thank you so much for your help

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In fact, if a customer books a night's accommodation for a date 3 or 4 months from now, for example.
And he cancels his booking 50 days later, for example, I must be able to refund his payment (and therefore recover it from the seller's account if the money has already been sent to him).

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That's why I thought that the platform (me) should keep control of the amount of the transaction, until the date of travel when cancellation is no longer possible.

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(Just as airbnb only gives the money to the owner once the stay has begun, in order to protect the visitor.)

proven timber
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You as the Platform will control this integration, that's the role you play as the Platform. So I'm not too sure what you mean about keeping control of the amount. You can also refund payments, pulling funds back from the Connected Account if required.

proven timber
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It sounds like you're still pretty early in the scoping process for your Connect integration, have you started taking a look through the three charge structures we offer for Connect scenarios?
https://docs.stripe.com/connect/charges#types

Create a charge

Learn how to create a charge and split payments between your platform and your sellers or service providers when you accept payments.

jade stag
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I'm thinking about the best solutions.
I want to avoid costs.
and i'd like to (even if the money goes into the seller's account) block it until the date of the trip so that i can reimburse it.

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thanks for the link

proven timber
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There are lots of options here, so it's hard to talk through all of them. For instance you can have the money go to your Connected Accounts, but have them on manual payouts so you can control when the money is paid from their Stripe Account to their bank account:
https://docs.stripe.com/connect/manual-payouts

undone patioBOT
jade stag
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if the money goes into the connected accounts,
how does a refund work?

If I pay €100, I send €90 to the seller and keep €7 commission.

Is it possible to refund this €97 by debiting both the connected account and my account?

proven timber
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Yup. (out of curiosity, where do the other €3 go?)

The charge structure it sounds like you're referring to there is a Direct Charge flow. With Direct Charges the payments reside on the Connected Account, and are refunded from the Connected Accounts funds. The only option there is deciding whether you want to also refund your Platform's application fee that was collected. We discuss refunds for Direct Charges here:
https://docs.stripe.com/connect/direct-charges?platform=web&ui=stripe-hosted#issue-refunds

Create direct charges

Create charges directly on the connected account and collect fees.

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But it's hard to say for sure because all Connect flows result in funds going to the Connected Account eventually, so you may still be referring to other charge structures.

jade stag
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the remaining 3€ being the stripe commission deducted at payment (no calculation I said at random)

proven timber
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My suggestion would be to start with looking at the charge types that are available, and work on picking one of those along with the type of Connected Account to use with it. Then you can look at the section in each of our guides for how refunds work for that charge structure to see if it fits your needs.

jade stag
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So to make a refund, I have to create a charge programmatically?

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refund_application_fee refers to my commission or the stripe fees paid?

proven timber
jade stag
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so they are debited from ‘my’ account? (in addition to the 90 of the connected account of the seleer)

proven timber
proven timber
jade stag
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so the ‘charge’ refers to the customer's initial payment

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and can I add rules such as: refund only 50% of the order total?

proven timber
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That's all laid out in our API reference where we explain all supported parameters for an endpoint and what they do.
charge refers to the Charge object that was used to collect payment, you can also use payment_intent instead:
https://docs.stripe.com/api/refunds/create#create_refund-charge
https://docs.stripe.com/api/refunds/create#create_refund-payment_intent

You can create whatever rules you like in your system, and the endpoint to create a refund does accept an amount parameter that allows you to specify a partial amount of the payment to be refunded as opposed to the full amount:
https://docs.stripe.com/api/refunds/create#create_refund-amount

Create a refund | Stripe API Reference

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

jade stag
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OK thank you, I'll read all that, I imagine it's also possible to refund 100% (including my commission, + the stripe fees (paid with my account).

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my big question is between this two choices

"There are lots of options here, so it's hard to talk through all of them. For instance you can have the money go to your Connected Accounts, but have them on manual payouts so you can control when the money is paid from their Stripe Account to their bank account:
https://docs.stripe.com/connect/manual-payouts
If you want to hold the funds on your Platform account instead, assuming you're operating in a region where you're permitted to do so, you can look into the Separate Charges and Transfers charge flow:
https://docs.stripe.com/connect/separate-charges-and-transfers"

Wich one do you recommand ?

wicked kettle
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👋 stepping in here

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Are all of your Connected Accounts going to be in the same region as your platform here?

jade stag
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For the time being, all our sellers will be French, yes.

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Eventually, it may be possible to open up to other countries, but this has not yet been studied.

wicked kettle
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Okay well my recommendation would be to use Express Accounts with Separate Charges & Transfers

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This would allow you to control everything and hold the funds on your platform until you are ready to send them to your Connected Accounts

jade stag
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OK thanks, I don't know about that yet.
do you have a link?

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one express account per seller? One express account per payment?

wicked kettle
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Overall you should really pause and read thoroughly through the Connect docs

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That will help you understand the different options and flows.

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If you have specific questions then we are happy to help

jade stag
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Ok thank you sir

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juste a precision, why did you ask me "Are all of your Connected Accounts going to be in the same region as your platform here?" ?

wicked kettle
jade stag
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ok thank you
And so, when you say "This would allow you to control everything and hold the funds on your platform until you are ready to send them to your Connected Accounts"

is the money ‘officially’ held by my platform or by my users (as long as it is not in connected accounts)?

wicked kettle
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It is in your platform account until you transfer it

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I can't speak to any legal ramifications or anything like that

jade stag
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so you need to create an express account for each account connected?

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or perhaps one per transaction

wicked kettle
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Yes you have a Connected Account for each of your users.

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Like I said, please read the docs -- they explain all of this.

jade stag
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Yes, there is one account per user of course, but you mentioned an ‘express’ ‘temporary’ account.

wicked kettle
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I never said "temporary"?

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Express is an account type

jade stag
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"Okay well my recommendation would be to use Express Accounts with Separate Charges & Transfers
This would allow you to control everything and hold the funds on your platform until you are ready to send them to your Connected Accounts"

I made a mistake between the terms ‘connected account’ and ‘custom account’.

wicked kettle
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👍

jade stag
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so when you say ‘hold the funds on your platform’, they are not directly on the express account

wicked kettle
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Correct

jade stag
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OK, first I need to find out if it's authorised in France.

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I would have thought that it would be simpler (more understandable) to have the funds in the right connected accounts rather than centralising them in the platform account, but I'll take your suggestion on board. I'm going to read the whole documentation right now, thank you very much.

wicked kettle
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You can certainly just have the funds in the Connected Account if you want to do that

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Regardless, yes, read through the docs and see which scenario best fits what you want!