carrot_issuing-transfers | Stripe Developers | Page 1

molten cryptBOT Sep 16, 2024, 6:17 PM

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frosty nebula Sep 16, 2024, 6:18 PM

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Hello! I'm sorry but I admit you've kind of lost me in your explanation.

Are you a developer writing real code? Or are you solely focused on using the Dashboard?

limpid meadow Sep 16, 2024, 6:20 PM

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Lol, yes sorry - I'm a developer and have worked on the code we use to generate and send invoices to cardholders in our connect accounts. I'm working on a spike for our finance team who is wanting to process refunds for these paid invoices but in my testing it appears that the refund functionality in the dashboard pulls the funds from the wrong balance. And I'm wondering if we need to somehow use the API to accomplish this instead or if it's a misunderstanding on eng's side on how we're moving these funds around when creating invoices

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Apologies for the confusing explanation (or lack thereof)

frosty nebula Sep 16, 2024, 6:21 PM

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I don't know anything about the Dashboard unfortunately.
But the Dashboard should work the same as the API so I'm trying to figure out if you see a different behaviour in the API?

limpid meadow Sep 16, 2024, 6:23 PM

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I'm referencing two API docs and am a bit confused - maybe that's a good starting point. This transfer reversal doc mentions a reversal will pull from available whereas this transfer reversal doc says the reversal will pull from issuing.

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we always transfer all the funds automatically from available to issuing for our connect accounts (via an automation we've written) but when testing the dashboard fucntionality in our connect account it pulls the funds from available

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which is where i'm confused

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i think part of our invoice process uses destination charges/payments - does that have some unusual behavior that could be affecting where these funds are getting pulled from when we initiate a reversal?

frosty nebula Sep 16, 2024, 6:26 PM

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The docs are from different products though

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If you use Invoicing, it will always use our payments balance and it will pull from it too.

limpid meadow Sep 16, 2024, 6:27 PM

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and to answer your previous question - the behavior in the API has been the same - if i hit the transfer reversal endpoint https://api.stripe.com/v1/transfers/{transfer_ID}/reversals for a transfer associated with one of our paid invoices it will pull the funds back from the connect account's available balance

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so invoicing will always cause funds in a reversal to pull from payments/available rather than issuing?

frosty nebula Sep 16, 2024, 6:28 PM

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We rarely get Issuing questions here so I'm only 90% sure but as far as I know this is entirely expected. We pull back from whatever balance we put the funds in when you reverse that Transfer

limpid meadow Sep 16, 2024, 6:32 PM

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Do you know if there's any way to transfer funds from issuing back into available/payments? It might unblock the issue for us on this at least. I attempted this previously via the API (request here: https://dashboard.stripe.com/acct_1EW7riFclOhSphoo/test/logs/req_rDtjs6Api4O5jx?t=1726151426) but it threw the error Balance transfers from issuing to payments are not supported.

frosty nebula Sep 16, 2024, 6:33 PM

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not publicly no that's impossible. I think we might have a beta internally but I don't know anything about most betas. I'd recommend working directly either with our support team or your point of contact you have at Stripe to help you navigate this

limpid meadow Sep 16, 2024, 6:34 PM

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Okay, will do - I have a request out to them already so am just waiting to hear back. Thought I'd check here as well. Can you just confirm one final thing for me: so you're saying because we use Invoicing - the reversals for payments received via an invoice will always pull from a Connect Account's available balance (rather than issuing)?

frosty nebula Sep 16, 2024, 6:35 PM

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it's not really "because you use Invoicing". It's just that you're accepting pauyments so the funds are going into the payments balance. It would work the same if you just created a PaymentIntent yourself as far as I know

limpid meadow Sep 16, 2024, 6:36 PM

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so even though we have code that transfers funds received from payments into the issuing balance...when we refund that payment (and its associated transfer) it will pull from the payments balance because that's where the original funds landed?

frosty nebula Sep 16, 2024, 6:37 PM

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so even though we have code that transfers funds received from payments into the issuing balance
hum sorry did you mention this and I missed it? That makes no sense to me 😅

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If you explicitly send funds in the balance A then the reversal should pull from the same balance A

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But yeah at this point I clearly can't help, I don't think any of this would be a public feature today

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carrot_issuing-transfers

molten cryptBOT Sep 16, 2024, 6:46 PM

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limpid meadow Sep 16, 2024, 6:53 PM

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create an invoice
cardholder pays invoice
funds from cardholder payment land in our platform account
payment has destination_payments field set so those funds are transferred to connect account's available/payments balance
we then manually create a balance_transfer to move funds from the connect account's available/payments balance to their issuing balance

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this is our flow ^

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I'm just hoping to get confirmation here, then, that based on the above - if we do a payment refund & transfer reversal...there is no way to get that reversal to pull from the connect account's issuing balance (rather than what is currently happening where it's pulling from available/payments)?

scarlet heron Sep 16, 2024, 6:58 PM

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Thanks for the info, looking in to this and will get back to you with what I can find.

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To be clear, have you already tried doing a transfer reversal here? I would expect that to move funds properly back between balances but am having trouble confirming

limpid meadow Sep 16, 2024, 7:01 PM

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i have tried it in our test account yeah - i think those request IDs are in the original ticket up above but let me see if i can find them agian

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This is a reversal I kicked off in our test account: req_zFMfu49YXAanrh that pulled the funds from the connect account's available/payments balance. This is one that was processed by our finance team in our production account: req_ZXXvhGiCjniDCH

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i've attempted both by using the refund feature in the dashboard and hitting the transfer reversal api for an invoice payment's associated transfer (https://api.stripe.com/v1/transfers/{transfer_id}/reversals)

scarlet heron Sep 16, 2024, 7:09 PM

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Still trying to look in to this. Do you have the ID of a specific time you made the tranfer reversal call? Trying to look in to how exactly that errors out

limpid meadow Sep 16, 2024, 7:12 PM

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The reversals are successful - it's just that they pull from the connect account's available balance which is always $0 (and therefore results in a negative balance) since we were advised by Stripe to always have our connect accounts' funds in issuing to enable card usage. The error I received was when trying to move funds from issuing back into available to see if we could do this manually to accommodate an upcoming refunds and avoid a negative balance. That request is here: https://dashboard.stripe.com/acct_1EW7riFclOhSphoo/test/logs/req_rDtjs6Api4O5jx?t=1726151426

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this is the response ID for a transfer reversal i tested via the api though: trr_1PyFepK1rU3BMAyYO7jjZTNh

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for transfer with ID: tr_3PkSkzK1rU3BMAyY15N1f3aw

scarlet heron Sep 16, 2024, 7:22 PM

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Gotcha, thank you for the clarification. Still trying to figure out if this is possible. I am surprised that we let you transfer funds one way but try to pull from somewhere else when reversing

limpid meadow Sep 16, 2024, 7:23 PM

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Very much appreciate your help! Just trying to figure out our options moving forward so any info is helpful. Thank you!

scarlet heron Sep 16, 2024, 7:34 PM

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Apologies I am still having trouble finding info here. I wil consult my colleagues and get back to you with what I can find.

limpid meadow Sep 16, 2024, 7:35 PM

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All good - I'll keep an eye on this thread. Thanks for your help

scarlet heron Sep 16, 2024, 7:40 PM

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Ah it looks like talking to our support team about betas would be the way to go. It looks like your account may need to be enabled for issuing -> payment balances the same way that it needed to initially be enabled for the balance transfers API

limpid meadow Sep 16, 2024, 7:42 PM

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Ah, so we might be able to enable this functionality for our account so we could theoretically then transfer funds in a connnect account from issuing => payments to avoid the negative balance issue?

scarlet heron Sep 16, 2024, 7:43 PM

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Correct, that is my understanding

#carrot_issuing-transfers