#befa_api

1 messages · Page 1 of 1 (latest)

crisp yewBOT
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sturdy galleon
sharp slate
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Hello, we already talked this morning aboit my payment_intent issue 😅

sturdy galleon
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I missed that, my bad

sharp slate
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So is there a way I can let my customer add funds to his cash balance?

crisp yewBOT
sharp slate
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Or is sepa_debit the only solution (which isn't the same thing since my customer will have to enter his IBAN instead of sending funds to a dedicated account

sturdy galleon
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Is o_b_o essential for your integration? It kind of hinges on that, really

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If you need the connected account to be the MoR then Bank Transfers are a no go (unless you do direct charges)

sharp slate
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What do you mean by MoR ?

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Maybe not essential but as I stated above it's not at all the same thing to ask my customer to send fund to a dedicated bank account instead of filling his IBAN informations so we can make a debit on his account

sturdy galleon
sharp slate
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Ah OK, I have the doc in french so I was wondering what MoR was 😅 But hey the on_behalf_of parameter is essential to my platform

west phoenix
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Gotcha, MoR = Merchant of Record

sharp slate
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Yeah in french it is Entité de Règlement 😅

west phoenix
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Slight difference

sharp slate
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SO if I undestand exactly, the only solutions I have would be :

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  • Create a payment Intent with sepa_debit (or even card)
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  • Handle a form on my platform use Stripe JS to collect the informations and send the validation of payment to the API
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There is no way to have both on_behalf_of and band transfer at the same time?

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Even if I manage to use the invoice API I guess the issue will be the same (I am receiving the sale error when displaying the paylent link received from an invoice when on_behalf_of and customer_balance are asked

west phoenix
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Correct, I can put in a feature request to denote interest in using bank transfers with OBO, but it is not supported now. So yes offering other bank payment methods will be the closest you can get and will enable many of your users to pay by bank.
And yes that restriction applies to invoices too, invoices still use the same things under the hood that run in to this restriction.

sharp slate
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OK, too bad. Bank transfer was what we were using with our previous partner (from which we're migrating to Stripe) and it was indeed the best way to handle that for us and our customers

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Just to let me knwo. When is cash balance used ? only if a payment is done to my account and not a connected account?

west phoenix
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I think it can be used to pay any intent that has customer_balance in its payment_method_types list.
And you can do cash balance payments with destination charges, it is specifically destination charges with OBO that aren't supported unfortunately. So you can do a destination charge and the funds would be split up properly, but your platform would be the merchant of record and such.

sharp slate
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OK, I get it. We need to talk about what it mean (legally) with my colleagues and we'll choose what's the best way to handle that.

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Thank you for your help

west phoenix
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Of course, have a nice rest of your day!