#dinesh_transfer-availability

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wild treeBOT
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solid vine
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dinesh_transfer-availability

molten venture
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so does there always have to be stripe balance to make the transfer to a connected account?

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we usually flush our stripe balance into our bank account every day, could I do a transfer from our bank acc to the connected account instead?

solid vine
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No you should build up a balance in your Stripe account really

molten venture
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so I can do that by doing a charge?

solid vine
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yes

molten venture
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I'm confused on hwo to write the code for this, any chance you could write a charge request so I can see

solid vine
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you do a PaymentIntent for example. Sorry I'm not really clear on what you are trying to do. Usually as a Connect platform you already know how to accept payments and have funds in your account

molten venture
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I want to send money to a connected account as a payout

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so I need to be able to have money in my balance to do that

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so how do I do the charge to add money to my balance in code

solid vine
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How do you collect funds in your Stripe account? Like where would that money even come from

molten venture
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we have customers on our product, they use IP we list on there, then we pay out the people who own the IP

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so we have funds coming in that we continually flush to the bank account

solid vine
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what does that mean "They use IP we list on there"? I'm sorry but I need you to be a bit more descriptive.

Do you already accept payments from customers who pay you before you send funds to other third-party?

molten venture
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no no, we only accept payment from the customers

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customers pay us then we pay the owners

solid vine
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Cool so you already know how to accept a payment right? You wrote code to accept those payments

molten venture
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yeah we accept payments, what does that have to do with what I'm asking u

solid vine
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so instead of using a customer card, you already are using 4242424242424242 or similar. And the Test card I shared work exactly the same

molten venture
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hmm

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one second, let me look back on our existing code

solid vine
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sure!

molten venture
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I'm still confused how to write the command to do a stripe charge that brings funds from my bank account to the stripe balance, could you give me an example of that?

solid vine
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Not really that part doesn't make sense to me sorry

molten venture
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you said I have to do a charge to add to my stripe balance?

solid vine
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You started with "I don't have enough balance to do a Transfer". I explained how to use specific Test cards to increase your balance in Test mode instantly. I also explained that usually people in flow like yours use source_transaction to link a given/existing PaymentIntent/Charge to the Transfer.

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Then you got confused about "creating a payment" so I had you explain what you do. You confirm you already accept payments from end customers. So what you do there would work the same. Instead of using 42424242 card in Test mode to simulate a customer paying you you can use the test card(s) I linked you to

molten venture
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I'm just confused how to do this:

Updates test mode transfers to require sufficient funds in your available test mode balance (for consistency with live mode transfers). Add funds directly to your available test mode balance, bypassing the pending balance, by creating a charge using the special test card number 4000 0000 0000 0077.

solid vine
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Ignore that "this". You seem toquote a doc from 10 years ago that isn't really relevant

molten venture
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but that's the exact error I'm getting

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ok I understand I have to use the test card, but how do I make a charge that can add money to my balance in test mode?

solid vine
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In the dashboard create a manual payment with that Test card

molten venture
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I can't do this programatically?

solid vine
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😓

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I'm really sorry, I'm so confused because based on what you lready said twice you already know how to collect a payment so I don't understand what you don't understand

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But sure, you use the Create PaymentIntent API https://docs.stripe.com/api/payment_intents/create and you pass the right parameters (amount, currency, payment_method, etc.) to confirm and move money into your balance
But really it's exactly what you already said you do for payments

molten venture
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does paymentintent let me add money to my balance?

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please stop talking about what I do already for payments, just help me with this particular task, we're going in circles because of that

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beyond that, could you also answer this:

I'm also confused if I have to set manual payout schedules to use stripe connect?

solid vine
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PaymentIntent is the API to accept payments from end customers. So yes you use the PaymentIntents API to accept payments and simulate money moving into your balance.

And yes you should be on manual payout schedule if you want to build a balance in your Stripe account and transfer funds to connected accounts over time

molten venture
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ok, that's not what I'm trying to do right now, I'm trying to take money from my bank account, move it to stripe balance, then do the transfer to the connected account

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I understand how to do the transfer, could you tell me how to do the first step (our bank account -> to our stripe balance)

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how do I do this programatically

solid vine
molten venture
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and how do I do that in test mode?

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and beyond that, how do I do this:

Error: You can only create a top-up if your account is on a manual payout schedule.

solid vine
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It works the same in Test mode. And you need to switch your account to manual payouts in the settings (which affect both your Test and Live environments).

molten venture
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so that means I can't automatically flush the money in our balance to our bank account?

solid vine
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correct

molten venture
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does stripe connect usually require this? or do people just transfer from balance to connected accounts always?

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more specifically, does stripe connect always require manual payout schedules?

wild treeBOT
dry cloak
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Hi there, yes you need manual payout to be enabled, then use the Top up feature. Do you have difficult on turning manual payout on?

wanton jewel
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Hi @dry cloak @solid vine. Working with Dinesh on this, looking for some clarity here.

Currently our platform functions under a credit subscription model, where users pay us at a recurring cadence for credit grants. We're introducing a User Generated Content (UGC) product that will allow folks to receive a monthly payment related to usage of any UGC they made through their account.

If we are using Stripe Connect payouts to pay out these users out on a monthly cadence, would we have to disable automatic payouts? (Currently it seems that our Stripe balance is flushed to our bank account on a daily cadence, would we have to stop doing that?)

dry cloak
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Hi there, I am taking over from my colleague and will continue to assist here

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Automatic Payout on your business model sounds good, but here I think the goal is to purely test in Test mode, that's why we suggested Manual Payout and Topup

wanton jewel
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No worries, and appreciate the support here @dry cloak. I think we're good on test mode for now.

We're going to leave automatic mode for payouts on for now and proceed with our implementation, as our current volume of inbound payments is significantly higher than our outbound payments for the UGC, even though inbound is daily and outbound is monthly.

In the edge case scenario where we don't have a sufficient amount in the balance, would the recommended guidance be to check the balance before attempting payout and "top-up" if there isn't enough? Or is there an alternative you'd recommend?

dry cloak
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Yes. I am curious on how you will deal with such scenario though. Is it expected to happen frequently? Like you need to pay your user more than what they paid you and available on your Stripe balance?

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Because you will hit the insufficient funds error everytime that happens