#jairo094215_payment-records-customer-balance
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- jairo094215_api, 3 days ago, 57 messages
upbeat cedar
We operate using Stripe Billing, but we also have some items sold via Stripe Checkout in payment mode, which therefore do not generate invoices but rather independent Payment Intents.
To record these standalone payments in our system — which receives all client invoices through webhooks — we created an invoice with the flag out_of_band=true just to log the payment in the customer’s account.
However, very recently we noticed that these invoices are now also generating PaymentRecords, which didn’t happen before. We’re unsure how this affects the account balance. We need to know whether this PaymentRecord adds the payment amount to the customer’s balance, because if it does, the total amount would be counted twice — once from the original Checkout Session payment and again from the PaymentRecord creation.
hot plaza
Hello, looking in to what may have changed here. An easier way to accomplish this could be enabling invoice creation for your checkout sessions in payment mode. That would tell us to create an invoice that directly represents the payment from the Checkout Session. https://docs.stripe.com/api/checkout/sessions/object?api-version=2025-10-29.clover#checkout_session_object-invoice_creation
Do you have example IDs of duplicate payment records created this way?
upbeat cedar
This is a possibility we had considered in the past, but we were informed that this behavior is tied to Stripe automatically sending emails to notify customers about these automatically created invoices, which we don’t want. We were told that it’s not possible to disable the sending of those emails.
As an example, we have this customer: cus_TMHAyFwZ18TiLO, who has two “payments” on November 5th — one is the payment collected through the Checkout Session, and the other is the automatically created PaymentRecord. We don’t know whether the latter has added that amount to the customer’s balance or not.
hot plaza
Gotcha, thanks for the ID, looking in to this.
Can you tell me more about where you are seeing this customer's balance increase? It still looks to be at 0 EUR and neither of those payments seem to have increased it. I am not sure if I am thinking of a slightly different customer related resource to what you are working with here.
upbeat cedar
I don’t have any evidence — my intention is to learn more about these PaymentRecords and understand whether each time one is created, it causes the customer’s balance to increase.
Internally, if I create an invoice with out_of_band=true and this generates a PaymentRecord, will the Account's balance be incremented?
hot plaza
Ah gotcha. So in this case the answer is no to both of those. Payment Records and out of band payments are meant to help you keep a ledger of payments to you, they are separate from any of Stripe's built in credit functionality and they can't create credit automatically as far as I am aware.
https://docs.stripe.com/payments/payment-records
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