mahnoor_code

[vivid blaze]

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[dim flame]

hey there 👋 there is no limitation on how much time can pass between payments

if there's something you'd like us to review in your code, feel free to paste it here

[lunar rapids]

Would you kindly review this code please

Our platform is a marketplace where clients book service providers well in advance. It’s common for bookings to be made 6–12 months ahead of the actual service date. At the time of booking, the client pays a 50% deposit, and the remaining 50% is charged closer to the service date—typically about 14 days before the event.

I want to confirm that our current implementation is compliant with Stripe’s rules around timing and handling of payments. Could you review our code to verify:

That Stripe supports this structure of taking an initial payment and then a follow-up payment several months later.

Whether there are any timing limits (including anything around 90 days) that could affect our ability to process payments on this schedule.

Whether our code is set up correctly to handle this long-gap payment flow within Stripe’s compliance requirements.

I just want to ensure we are using the API in the intended way and not violating any Stripe policies with this model.

[dim flame]

ok, that all sounds perfectly reasonable

there are no rules or policies preventing you from creating payments with long gaps between the first and later payments

do you have any other requirements that this setup involves? for instance, are you planning to hold the funds in Stripe for this full period, or will you pay the funds out to you or your client's bank account?

I've reviewed your code document, and nothing seems incorrect at a glance - it sounds like you're planning to pay out funds immediately (rather than holding them for the full 12 month period), so that's all good

the only limitation that comes to mind is how long funds can be held in Stripe for (but it doesn't sound like this is relevant for you): https://docs.stripe.com/connect/manual-payouts

[lunar rapids]

Our setup is designed so that funds from the initial payment aren’t released immediately. They’re meant to remain untouched until the service is completed, and then be paid out automatically 24 hours later. What I need to understand is whether Stripe can actually hold those funds for that full duration, or whether we would be required to pay them out sooner and then manage the holding period on our side.

If Stripe cannot hold the funds for the entire advance-booking window, please confirm whether the correct approach would be:

letting Stripe pay out the initial payment to us on the normal payout schedule, and

then managing the actual “hold” period internally before releasing the funds to the service provider.

I want to make sure that whatever method we use aligns with Stripe’s policies and that our code follows the correct pattern for this type of long-delay release model.

[dim flame]

ok, that makes sense! so the real question here is how long funds can be held in Stripe for

that depends on the country the connected account holder is based in, but I'd recommend taking a look at the link above as it breaks down the different possibilities

but in short, outside the US, Stripe cannot hold the funds for longer than 90 days

so if you need to hold funds for a full 12 month period, then if your users are based outside the US, this is not possible

the tricky part is that, if the funds are transferred to the connected account's balance (as your document describes), then that means that when Stripe automatically pays out the funds, they will be deposited to the connected account holder's bank account

[lunar rapids]

Sorry, I’m not the most technical person — I’m just trying to make sure our payment processes are set up correctly, so apologies if this is a basic question. We’re based in the UK and I need some clarification on how to handle long-delay payments within Stripe’s compliance rules.

In our marketplace, customers may pay a 50% deposit several months in advance (sometimes 6–12 months) and then pay the remaining 50% shortly before the service date. The funds are not meant to be released to the service provider until the service has actually been completed — ideally 24 hours afterward.

Since Stripe can’t hold funds in a connected account for more than 90 days in the UK, I’m trying to understand the correct setup for this situation. Specifically:

If a customer pays months in advance, do those funds have to be paid out to the platform’s main account after the standard payout schedule, since Stripe can’t hold them that long?

If so, is it acceptable for the platform to hold those funds externally (off Stripe) until the service is completed and then send the provider their payment afterward?

Or is there any Stripe-supported setup that allows funds to remain inside Stripe until the service is completed, even when the booking is made many months ahead? Sorry again if this is a simple question — I’m just trying to ensure everything is fully compliant and done the right way.

[dim flame]

my understanding is that, in the context of Stripe Connect, the funds need to be paid out, to the connected account, within the 90 day window - there is no way to either hold the funds longer, or send them to the platform's bank account

it's not so much a case of whether it's acceptable for the platform to hold the funds externally, but more so that the funds in the connected account's balance cannot be redirected to the platform's external bank account

this is my understanding, but bear with me for a moment as I'm double checking internally if there's a way around these limitations

ok, what I've said here is true generally speaking, but I'd recommend contacting our support team and sharing the details of your use case, with a view to requesting an extension on the 90 day limit

[dim flame]

this channel is intended for technical integration questions, which is why I can't help with that directly

but since what you need is related to policy exceptions, our support team are best placed to assist - I can't guarantee that this will be possible, but the team can confirm