#syndemic_api
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ivory glen
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twilit mauve
Hello, sorry for the wait
twilit mauve
You cannot add metadata to the payment that results from a Transfer object
ivory glen
Just for some background, we charge a telehealth fee of $55-$75, and then collect a $99 deposit on behalf of our client - Infinite Allergy. They then decide to either refund the $99 because the patient's insurance will cover it, or if the patient has to pay out-of-pocket then they will charge an additional $250 for a total of $349.
The client needs to do four primary things:
- Associate a payment with a client/sale.
- Receive the deposit. ($99)
- Sometimes refund the deposit.
- Sometimes charge in addition to the deposit. ($250+)
We want the client to be able to do this via their stripe dashboard without asking us for any additional detail. So in theory, we should be able to pass the name of the product purchased, the customer or at least persons email, and our internal sale/transaction ID.
twilit mauve
Let's take a step back.
Can you describe the overall funds flow in discrete steps and reference what Stripe APIs you are using at each step?
ivory glen
Yeah. Sorry I'm pulling in my developer, so he can provide discrete steps and API's.
twilit mauve
Okay great. This server is specifically intended for Stripe engineers to talk directly to developers integrating with Stripe.
mental topaz
SetupIntent Creation (Backend API Call) – The backend generates a SetupIntent and sends the client_secret to the frontend for payment method collection (card, Google Pay, Apple Pay).
Payment Method Collection (Frontend) – The user enters payment details, and the frontend confirms the SetupIntent, returning a PaymentMethod ID.
Appointment Details Submission (Frontend → Backend) – The frontend sends the PaymentMethod ID, user details, and amount to the backend.
Customer Handling (Backend) – If the customer exists, the PaymentMethod ID is attached; otherwise, a new customer is created.
Payment Intent Creation & Splitting –
The amount is split between Our company and the third party Stripe accounts. (eg 100$)
Self-Pay Exams: PaymentIntent create with transfer data to third party stripe account (on behalf of) —>$45
MME-Only: another PaymentIntent is created where this transaction is made in our account —>$55
Payment Authorization (Uncaptured State) – The PaymentIntent is created but remains uncaptured.
Capture Process – Payment is finalized upon dashboard approval, triggering Stripe’s capture method.
twilit mauve
When you split the payments, what kind of Stripe Connect charge are you using?
Direct, Destination, Separate Charge & Transfer?
BTW if you just edit earlier statements, I'm not likely to read/review them.
mental topaz
We are using destination charge
ivory glen
BTW if you just edit earlier statements, I'm not likely to read/review them.
Happy to provide context, I edited it since Urva might not have all the details for how the Connected Account expects it on their end.
No need to review, just wanted it available if we get there.
twilit mauve
Okay well can you clarify which part is not functioning as you expect?
mental topaz
How can we pass metadata to l destination account when amount is transfer to third party account
ivory glen
The Connected account sees only a transfer (the $99). Our prior method contained metadata that informed them of our transction ID (which they can use in our dashboard to find a transaction), the name of the product, as well as the email.
After our recent changes, they only see the amount. So we're trying to either pass metadata, or ask if we're supposed to make a charge on their behalf, so they see the associated customer information to perform the refund or additional charges.
twilit mauve
With Destination Charges, the Charge object is created on your Platform Account. The Connected Account only receives money via the Transfer.
Also I will note this server is specifically for developers coding integratiosn with Stripe APIs. We aren't very familiar with all the options available through the Stripe Dashboard. As a result, I might not reference some features that are available via the Dashboard. Alternatively I may also recommend API actions that are not available in the Dashboard
mental topaz
What is difference between destination charge and direct charge ?
twilit mauve
A very big difference
With Direct Charges, all the information is created on the Connecte Account.
The Customers must exist on the Connect Account, the Payment Methods, and the Payments
The concept is like the difference between Shopify and Amazon
Shopify is like Direct Charges
mental topaz
For this will i require secret key for third party account ?
twilit mauve
The customer interacts with the Connected Account
For this will i require secret key for third party account ?
No. You should never request the secret key from another account
mental topaz
Yess thats is true, i wan not able to find a way to create transaction directly in third party account
twilit mauve
You can review this guide to better understand how to make requests on behalf of Connected Accounts: https://docs.stripe.com/connect/authentication
Have you connected to these accounts?
mental topaz
Okay let me check this guide
since the payment details collected on our frontend are attached to a PaymentMethod ID generated using our Stripe account, this PaymentMethod ID cannot be used to make direct charges on the third-party Stripe account ? is there anyway we can create direct charges for third party ?
twilit mauve
You have not answered my question. Are these 3rd party Stripe Accounts connected to your platform?
mental topaz
yes