#niyon_separate-charge-transfer
lusty wyvernBOT
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wet aspen
so, i can't use the money I earned in stripe to transfer to account connected to my platform If I am not from the US right?
No. Where do you see this?
This is supported in many countries
tender ore
In australia
wet aspen
It's supported in australia
It won't work if the connect account is a different country though
tender ore
All will be in same country sir. I saw the doc I think 😭 where it said not available outside US.
what I want to do is:
customer prepays us -> platform
later we want to pay the money we earned(in platform) > seller(they are connected to our organization)
please link me the doc
@wet aspen
tender ore
thank you. I wasted so much of my time, I should have come here earlier
@wet aspen wait
wet aspen
Happy to help
tender ore
Happy to help
what does this mean then? cause I understand when customer pays us, It will take little to appear in our account to spend, but I need to transfer right after customer is charged. without topup or If the balance isn't in the account, how do I do transfer to the connected account?
aud currency
wet aspen
No if you need to transfer immediately you should just specify source_transaction
You should still note However, the funds don’t become available in the destination account until the funds from the associated charge are available to transfer from the platform account.
Also if you want to transfer immediately, why not just do destination charge instead: https://docs.stripe.com/connect/destination-charges
That's an easier flow
tender ore
okay so paymentIntent with charge object will be like this:
for eg:
10$ with charge object > platform
I need to send 5$ to selller with that object from platform right?
tender ore
Also if you want to transfer immediately, why not just do destination charge ins...
thats exactly what I wanted to do, but its ride-sharing app.
and we are prepaid
I think best will be to record the money we owe the seller in the database. and let them payout that balance when they want right? all the money comes to us, no hassle. what do you think @wet aspen
oh. but first transfer and only payout right?
wet aspen
I still don't understand why you can't use destination charges
tender ore
I still don't understand why you can't use destination charges
sorry forgot to add, we also sell them credits within app. So, not everytime customer pays with card.
for a ride
wet aspen
That still doesn't really explain why you can't just do destination charges for the rides
tender ore
That still doesn't really explain why you can't just do destination charges for ...
destination charges can only be done from card to the destination account right? can't from the platform to connected account?
wet aspen
No that's not what a destination charge is
A destination charge settles in the platform account and transfer is made automatically to connect account
it sounds like it fits your use case
And you can split the funds so only a portion is transferred
Separate charge and transfer only complicates your use case
You really should just do destination charge if possible
tender ore
thank you. I just read through the docs again. and If I understand it correctly, when I charge the customer's payment method -> I specify the driver's connected account, and fee amount for my platform right?
This wont work because we are prepaid, and while prepaying, we dont know the driver.
customer prepays(as a balance to our platform) -> platform receives money -> searches for driver -> driver is foound, later we need to pay them
If ride is cancelled, that balance/credit is still on customer's wallet
What I am leaning towards, we credit the driver's in app wallet at first. later when they want to payout, we then initiate transfer, then payouts accordingly.
@wet aspen
wet aspen
Oh
Yeah in that case you have to do separate charge and transfer if you don't know driver at time of charge
Up to you on when you want to do the transfer though
tender ore
thank you. Also this is better, as If not available balance in stripe, we can ask the driver to check back again later. Also, If they payout is successful, we will give them the payout status to right
stripe is great 💋
wet aspen
I recommend you keep in mind this section when building this: https://docs.stripe.com/connect/separate-charges-and-transfers?platform=web&ui=elements#transfer-availability
Transfer availability is a big issue with separate charges and transfers
tender ore
Transfer availability is a big issue with separate charges and transfers
thank you. will go through that again.
but I guess, If we have fund in stripe to transfer & payout we dont need to worry
wet aspen
That's correct. But often you won't
There's the concept of the pending balance
And auto payouts payout available funds frequently
tender ore
um yep. thats where It would have been better If topup to platform was possible
wet aspen
Just use source_transaction per that above link
That will solve the issue
You're not going to be able to get money in the connect account immediately in any scenario
Funds in general take time to settle
That's the nature of moving money
lusty wyvernBOT
tender ore
thank you. Will do.