#tot_docs

1 messages · Page 1 of 1 (latest)

barren fernBOT
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digital pewter
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hello! so you're alright with the amount of purchased from each buyer appearing on the customer's bank statement? e.g. $500 from merchant A, $20 from merchant B, etc

supple violet
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Hi! Yes, that should be fine but I will verify it again with my stakeholders

digital pewter
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hmmm, i think creating a PaymentIntent for each buyer isn't really the best idea here, there's a possibility still that the issuer might request for authentication for the transaction(s).

I think what you're really looking for in this case is https://docs.stripe.com/payments/multicapture - If you're not currently on IC+ pricing, you'll need to write in to Stripe Support - https://support.stripe.com/contact to see if you can get access to this feature

Capture a payment multiple times

Capture a PaymentIntent multiple times, up to the authorized amount.

Stripe: Help & Support

Find help and support for Stripe. Our support site provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

supple violet
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Thank you! I'll check it out now

barren fernBOT
sacred gorge
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hi! I'm taking over this thread. let me know if you have other questions.

supple violet
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Hi! As I know the default window for reserved funds in 7 days, is there any way that can be extended to a bit more?
As our workflow is that we only charge the customer once he received and confirmed the goods, I think 7 days might be a bit short there.

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Also, since we are talking about different merchants, how can I directly transfer the necesarry amount to them? I used the transfer API which directly transfered the correct amount to the previously but as I see it this would put all the money to our account?

sacred gorge
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you could contact Stripe support to see if you can access the extended authorization feature.

supple violet
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Since we are talking about different merchants, how can I directly transfer the necessary amount to them? I used the transfer API which directly transfers the correct amount to the previously but as I see it this would put all the money to our account?

sacred gorge
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I don't understand your question. can you clarify what are you trying to do, and what's the issue?

supple violet
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Yes, let me try again 🙂

sacred gorge
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if you use the Transfer API, it lets you transfer money from your paltform account to the connected accout yes.

supple violet
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So I am building a b2b marketplace. Buyers can pruchase goods from different merchants. Let's say I have 2 items in my cart and both of them are from different merchants.
I would need to enter my card credentials once, and I would expect to reserve funds on this account twice

  • Once for merchant A
  • Once for merchant B

The funds would be reserved as the goods from the merchants are delivered. E.g once the customer confirms he received:

  • goods from merchant A -> capture the payment for merchant A
  • goods from merchant B -> capture the payment for merchant B

Now you suggested having one payment intent, but capturing the payment multiple times.
The problem I see here currently is that the money would not be sent to the merchant directly, but it would be on our bank account first. So the question is how can we solve this last problem with the multiple capture method?

I do need to mention that if the user wants to sell his products on our platform, a stripe account is required for him. He cannot create an account without completing the stripe onboarding.

sacred gorge
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I don't really understand the problem. when you capture the funds, you create a transfer at the same time to send the funds to the connected account.

supple violet
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Separate charges and transfers fund flows using source_transaction aren’t supported

This is what I see as a limitation, I though this means that I cannot transfer the funds once I capture the amount for merchant A.
You are saying that in this multiple capture API I can transfer the required amount as soon as I captured the amount for merchant A to merchant A ?

sacred gorge
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where is that sentence from?

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and you could do a Transfer without setting source_transaction.

supple violet
sacred gorge
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thanks!

supple violet
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Sorry to bother you again, I forgot to verify that when I use the transfer API like this this means that the money will never actually be on our stripe account, right?

sacred gorge
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what do you mean by "never"? the money arrives in your stripe account, and then, once you do the transfer, will move to the connected account.

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if you really want the money to never touch your account, then you have to use Direct Charges (or maybe Destination Charges).

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but I don't think that would work with your use case.