#kamil1999_api
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- kamil1999_api, 6 days ago, 10 messages
Hi there
Hi
Are you familiar with "presentment" vs "settlement" currencies?
No, but will check what this mean
Okay. The presentment currency is the currency of the charge. The settlement currency is the currency accepted by a bank
So, let's say you create a Checkout Session to charge a customer in US Dollars and those funds are moved to the connected account's balance. If that connected account as an external bank account that has a settlement currency in EUR, the US Dollars will be converted to EUR when those funds are paid out
I recommend reviewing:
https://docs.stripe.com/currencies
https://docs.stripe.com/connect/currencies
So, I should have a list of available currencies for the user's Stripe onboarding bank account because the payment can be in USD, but the user's bank account might not handle USD.
Up to you how you want to handle this. Say a connected account accrues a USD balance but their bank account can only settle in EUR. Stripe will convert the USD balance to EUR during payout
If you don't want this conversion to happen then you can opt to only charge customers of this connected account in EUR
This might also help: https://docs.stripe.com/payouts#supported-accounts-and-settlement-currencies
This shows the available settlement currencies for connected accounts of different countries
Ok, so never will be case when user generated payment in currency that can not be converted to curreny that bank account handling
because stripe wiil convert to accepted currency
or not if i change it
Right, we'll convert the amount to the appropriate currency
thank you for links and help, it helped me a lot
Sure thing!
Can i ask you one more thing?
what is the diffrence in use case for destination and on_behalf_of ?
transfer_data.destination is used to define where the funds should be transferred to for this particular PaymentIntent. on_behalf_of should be used if you want the connected account to also be used as the merchant of record. Omitting on_behalf_of makes your platform the merchant of record
This should be helpful, too: https://docs.stripe.com/connect/destination-charges?platform=web&ui=stripe-hosted#settlement-merchant
thank you!