#autiii43_api
lunar jewelBOT
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keen trout
i should add that this account is on a manual payout schedule
also is there anywhere that clarifies if this triggers any webhooks such as payout.created? this is very loosely documented, chat gpt says no but obviously i dont take that as a source of truth
queen rapids
Unfortunately this is very poorly documented at present.
I am not even sure if this can be tested in Test mode, since we do not actually move money from attached bank accounts (which is what the debit_negative_balances setting does)
lunar jewelBOT
keen trout
we're a large-ish customer (~500m), is there any way you could ask someone who would know for me
mint fulcrum
Hi there. I'm taking over from my colleague and looking into this. I'll get back to you shortly.
keen trout
Thank you
mint fulcrum
Still here, you mentioned that you refunded the payment. Can you share the refund request ID?
mint fulcrum
Thanks. I'm seeing anything on my end. I believe this is not something we do in test mode.
keen trout
So there is no way to test this at all? seems like for what could be a huge amount of $$$ in an ACH debit there should probably be a way to test that if feedback is helpful. on another note, is there any way to prevent the fact that a pending payout is stopped if the balance goes negative (assuming we keep debit negative balances off)?
use case here is that we have custom payout timing with ACH / card T+1, and we 1) pay out and then 2) payments fail, causing the payout to be stopped.
we need either 1) the debit to work and be able to test it so we can run webhooks against it or 2) keep that debit negative balances off and allow the payout to not be stuck pending
lunar jewelBOT
stable geyser
Hello
Taking over here.
Debiting external account isn't something you can test in test mode/sandbox environment unfortunately as there's no actual money movement happening..
With that said, just to clarify - when you say
we have custom payout timing with ACH / card T+1, and we 1) pay out and then 2) payments fail, causing the payout to be stopped.
Is that happening instantly or after the attempts to debit the external account?
keen trout
instantly
lunar jewelBOT
stable geyser
Yup, I see it being held for risk related reason
keen trout
- payout is initiated bringing customer balance to 0
- ACH fails, causing customer balance to go negative
- 30k payouts become held due to a $-100 balance
there needs to be a way for us to accept that risk -- our customers will churn if we dont pay them out 30k because $100 is negative
https://dashboard.stripe.com/acct_1Nij5P2EKL9lWBuj/payouts/po_1RkcdJ2EKL9lWBujK5QDP4QD
example today of a ~31k payout held up by ~$700 in failed payments out of 31k
we end up having to cancel the payout and re-initate it which is just a terrible flow for customers and causes an extra ~24hr delay
stable geyser
One quick way is for you to transfer the negative amount to the connected account bringing their balance to net positive which should unblock the payout.
keen trout
we're an accounting software, that quickly becomes an accounting nightmare
why can we not just allow the payout to proceed
realistically if a payout is 30k and the negative balance is sub 1k the risk isnt really there right
i get its how stripe works but is there no way around this that doesnt involve both a topup from our platform to them and then another negative debit after the fact? seems like that involves multiple webhooks and 2 extra money transfers
stable geyser
Apologies, my team won't be familiar with Risk related regulations. Some of these rules differ from region to region as well.
Also, one huge risk there would some fraud accounts onboarding to your platform -> accumulating large balance with fraudulent payments -> paying it out quickly and leaving Platform OR Stripe to cover the funds depending on who's liable.
However, I'd recommend talking to our support team or raising a ticket via
https://support.stripe.com/?contact=true
They can put you in touch with people who are experts on this topic and can help with broader context. My team mostly familiarizes with the API functionality and as far as I know, there's no workaround to let the payout passthrough when balance is negative (unless there's already some exemption from Stripe internally).