#some1ataplace_api
jolly crowBOT
👋 Welcome to your new thread!
⏲️ We'll be here soon! Typically we respond in a few minutes, but sometimes we might take a bit longer if the server is busy or if you have a particularly tricky question.
⏱️ We close idle threads, which makes them read-only. Once a thread is closed it won't be reopened, but you can always start a new thread if you have another question.
🔗 This thread will always be available, even after it's closed. You can find it again using Discord's search, or you can save this link: https://discord.com/channels/841573134531821608/1351290106128105482
📝 Have more to share? Add more details, code, screenshots, videos, etc. below.
crimson summit
Hello there
1/ What kind of charges are you using here?
2/ What kind of Connected Accounts?
lapis wolf
let me check, it has been a while.
Seems like I use both destination and separate charges and transfers. But the one I care about for refunding the actual product is the separate charges and transfers one. Express accounts.
crimson summit
Okay so for 1/ you would reverse the associated Transfer to pull back the funds from the Connected Account.
And for 2/ you control the logic of how much to refund and if you want to put pause payouts then you could move the account to manual payouts temporarily.
lapis wolf
okay so if I am understanding correctly:
https://docs.stripe.com/api/transfer_reversals/create
Where would I get the transfer ID from? I am using stripe checkout. Then I use a webhook to make the transfer if payment was successful.
What if the payout was already made though? Is it too late?
Can the connect account pauses be done via the API?
crimson summit
Where would I get the transfer ID from? I am using stripe checkout. Then I use a webhook to make the transfer if payment was successful.
You ideally would have some sort of relation between the charge and the transfer. Are you setting asource_transcation? Otherwise you should setmetadatato tie them together.
What if the payout was already made though? Is it too late?
No, you can still reverse the Transfer as long as the Connected Account has sufficient balance to do so.
Can the connect account pauses be done via the API?
Yes you can update to manual payouts via https://docs.stripe.com/api/accounts/update#update_account-settings-payouts-schedule-interval
lapis wolf
Yes, I am using source_transaction.
And what happens if there is no balance on the connect account and they withdraw everything? Then my platform would take the extra hit from the reserves?
Very intersting, so even if the connect account got paid out daily, and they have enough balance, I could still do the refund?
jolly crowBOT
crimson summit
And what happens if there is no balance on the connect account and they withdraw everything? Then my platform would take the extra hit from the reserves?
Yes, your platform is ultimately liable here with Express accounts.
Very intersting, so even if the connect account got paid out daily, and they have enough balance, I could still do the refund?
Yeah reversing a Transfer just looks at the present balance. It doesn't matter when those funds were paid out.
lapis wolf
So if I had a 30 day refund for customers for instance, I should probably make sure the payouts to connect accounts are monthly? That way, less of a chance my reserves are taken out?
crimson summit
That's really up to you!
lapis wolf
Yea I am still trying to decide on what to do, but this conversation helps. If there is a way to not pull 100% from my reserves that would be better.
So I have a 30 day refund policy, connect id does not get payouts until 30 days from the initial customer payment, customer asks for refund after 25 days, I reverse the transfer from 25 days ago with the API and then guarantee that the customer pulls from both my platform and the connect balance?
Anyways, thank you. I will probably do some research and try a few coding things. But eventually I will try to get to this. I am not sure when.
Oh sorry, real quick is there a way to ban a user from collecting any payments?
south tulip
👋 taking over for my teammate
lapis wolf
Lets say if they broke the rules, I stop all customers from buying their product from them and I punish them for being bad.
south tulip
This is what you're looking for: https://docs.stripe.com/connect/pausing-payments-or-payouts-on-connected-accounts
If you're looking for a more permanent solution, you could reject the account: https://docs.stripe.com/api/account/reject
lapis wolf
Can I reverse the rejection if I change my mind? Maybe the safe thing would be to pause forever?
The reason being, it might be a temporary ban, not a permanent ban. I am wondering if a permanent ban I could just pause forever, then reverse if I change my mind.