#andrews7_purchases-between-connected-accounts
fluid galleonBOT
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graceful flare
Hi, no that is not possible to combine payment method into one source_transaction. However, you mentioned available balance are you referring to Bank Transfers, https://docs.stripe.com/payments/bank-transfers ? What does your integration look like currently?
We talk about how cash balances work here: https://docs.stripe.com/payments/bank-transfers#customer-balance for Bank Transfers
rugged dagger
Speaking about Stripe Connect only
The available balance of a stripe connect user. Currently users can make purchases with their available balance but only if it's enough to make the full purchase. I use the direct charge with the source as their stripe account id
graceful flare
What do you mean by 'source as their stripe account id'? Source is something very specific in Stripe language so I want to ensure that we're on teh same page. Better yet, do you have an example request of what you're doing exactly?
graceful flare
I see, you're trying tp debit the Connected Account. You would know how much you can debit and then charge the rest using a credit card sure
If the amount passed exceeds whay they have in their balance, that request would fail
rugged dagger
So i can't do that because of the way my platform is setup to pay out the seller. The source transaction needs to be enough to make a transfer. I use https://docs.stripe.com/connect/separate-charges-and-transfers?platform=web&ui=elements#transfer-availability
So in this scenario i have two connect accounts, one buying an item from another.
My current implementation uses source_transaction so when i pay out the seller, the original source is sufficient to make the transfer
That's why my original solution charges them first, then makes the final purchase with their balance of the total amount. So when its time to pay out the seller (the other connect user), its enough to make the transfer.
Sorry if it's a bit complicated
fluid galleonBOT
west sentinel
Hi hi. Taking over for my colleague; just give me a moment to catch up.
rugged dagger
Hey @west sentinel, you still there?
west sentinel
Damn sorry
Ok, so: you are trying to build a system using Stripe that allows one of your sellers to purchase something from another seller using some, all, or more than their Available Balance via https://docs.stripe.com/connect/account-debits#charging-a-connected-account ya?
fluid galleonBOT
andrews7_purchases-between-connected-accounts
rugged dagger
yes
west sentinel
Ok cool. As my colleague said, there's no way to do partial payments, so you will end up with two Payment Intents for this one 'transaction' - and your system will need to accommodate that.
rugged dagger
Have you looked at my proposed solution? Do you know if the funds will be in their available balance right away?
west sentinel
I must have missed it - can you re-share?
rugged dagger
My idea is to: 1. create a direct charge from cc to connect account for the remaining amount. 2. use the available balance to cover the total. The problem I can foresee with this solution is that the funds generated in step 1 might not have settled yet for them to use to make the total purchase in step 2
rugged dagger
gotcha, can u think of any other way thats more instant?
my last resort idea is to transfer funds from the platform account to their balance to cover their remaining
west sentinel
Well that's an interesting idea.
Wait one.
Ok, so https://docs.stripe.com/connect/separate-charges-and-transfers#transfer-availability says as long as the Platform has the balance, it looks like a Transfer immediately available to the Connected Account (and that also talks about associating your extra Charge with the Transfer to make it go faster).
All that said, I don't think you're going to be able to charge a fee to the seller as part of a Transfer - so you'll have to Transfer less to the seller than you receive from the buyer by the amount of the platform fee (if that makes sense)
Does that all make sense?
rugged dagger
Let me see if i follow.
Step 1: create a charge with the source as the credit card and destination as the buyer connect account id
Step 2: create a transfer with source_transaction set to the charge id from step 1. The destination is set to the buyer connect account id.
Step 3: create a charge for the total using the source as the buyer connect account id
Step 4: once order is fullfilled, transfer funds to seller account id using source_transaction from step 3.
step 4 is pretty irrelevant to the main question, i just wanted to give more insight to my overall flow of funds
actually step 1, should have no destination
west sentinel
If you did Step 1 like that it would be a Destination Charge. You would create the Payment Intent on your Platform Account with nothing related to Connect.
Step 4 is the same for this flow and the 'regular customer flow' right?
Ha, nice. 🙂
rugged dagger
step 1, funds show flow into my platform balance
west sentinel
Yes they do.