#hamid_code
dawn geyserBOT
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pearl ocean
For clarity are you the platform or the merchant on the platform?
frank barn
let me give you complete picture
I have a platform account, a stripe user connected via onboarding with my platform account. I have carrier/shipper service, which i am building. Once carrier completes the job, I need to transfer funds from my platform, even if i am low on balance, stripe should pull balance from my attached bank account in case of low balance?
there?
pearl ocean
correct
frank barn
and there isn't any other way? like auto pull from bank?
some kind of platform settings
pearl ocean
You can also set a minimum balance. https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts#minimum-balances-platforms
to ensure you have funds available for transfers
pearl ocean
Pulling funds from a bank has an inherent delay, there is no way to send a transfer from a platform with an insufficient balance and have it instantaneously covered by an external account.
frank barn
so it means topups would be the best way?
which could be quick?
like topups and then transfer immediatly in one go?
pearl ocean
Top ups still use ACH, so there is a delay.
dawn geyserBOT
frank barn
delay like, seconds? mins? hours? days? coz if there is a delay of some seconds, I can wait for that and can try again and again, untill success?
barren pike
👋 Taking over this thread, catching up now
frank barn
sure sure, let me know the best option
barren pike
I'd recommend checking the settlement timing of the top up here: https://docs.stripe.com/connect/top-ups#settlement-timing
For ACH direct debit, it'll take up to 5 days
frank barn
which could be fast and best?
instead of ACH?
you understood my requirements , can you give me best and fast option?
barren pike
Have you checked the guide above? It shows the settlement timing of the top up methods.
Another option is to maintain a minimum balance on your platform account, as outlined here: https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts#minimum-balances-platforms. This ensures that your platform always retains a specified minimum amount for refunds or transfers. Payouts will only occur when the available balance exceeds this minimum amount.
barren pike
There is no top up method that is instant
frank barn
okie, thanks