#Caio Cruz-payment-division
white quail
I did the credit card payment split by following this link https://stripe.com/docs/connect/collect-then-transfer-guide
For credit card, it is already working. Now I want to know what the procedure is for making split payments for ACH.
elder vault
I am still looking in to what you can do for this. Unfortunately Checkout does not currently support ACH payments. We do have a form that you can fill out to be added to the waitlist for it https://stripe.com/docs/ach
severe swift
Hello! Yes, Separate Charges + Transfer is possible with Stripe ACH. The only difference is that you'd use Charges (w/ transfer_group https://stripe.com/docs/api/charges/create#create_charge-transfer_group) instead of a Payment Intent . Everything else will be largely the same
white quail
In my system, I accept credit cards, and ACH using PLAID/Stripe integration. My system is for student fundraising, when a donor makes a donation, 4% of that amount should be transferred to a user who referred them. The referring user already has an express account.
I would like to transfer 4% of the donated amount to the user who referred this donor. Can I do this with https://stripe.com/docs/connect/charges-transfers#transfer-options ?
severe swift
Yes, you could do that with separate charges + transfers (and you could also do it with destination charges). Something to keep in mind is that ACH doesn't support Payment Intents yet, so it'll be a slightly different flow. With separate charges + transfers with ACH you'll create the charge w/ transfer_group, then create the transfer for 4% of the payment to the referrer's stripe account
white quail
to create the transfer (https://stripe.com/docs/api/transfers/create), can I simulate it in developer mode?
severe swift
Yes, you can try all this out in test mode!
white quail
because I am trying and it returns a message, saying that there are not enough funds.
and the return link directs me to stripe dashboard.
severe swift
Do you have a reqeust ID for creating the transfer I can look at?
white quail
I am following the documentation and have set a valid stripe express account in a test environment as the destination
severe swift
So instead of using transfer_group, try using source_transaction (https://stripe.com/docs/api/transfers/create#create_transfer-source_transaction) and set it to the charge ID. This will allow you to transfer funds that are still pending
white quail
I tried with the load ID and the same error appears.
severe swift
And do you have a request ID (req_xxx) for that request?
white quail
I did it, thank you! But I still have doubts, is this transfer only effective after the payment has been credited to the platform?
severe swift
Plain old transfer will pull from a platform's available balance - when a payment first goes through, it typically start off as pending balance which is why your transfers were not working
The only way to make transfers from pending balance is by passing insource_transaction, which will guarantee that you can transfer pending funds that are specific to the charge you pass in
white quail
Sorry, I am not fluent in English. My platform receives a payment and after 4 business days, that amount is credited, only then after the amount is credited to my stripe account, that the amount that is associated with the "source transaction" will be realized?
severe swift
Does this clear things up:
Your platform receives a payment for $10.00. Theses funds will be pending in the platform's balance for some number of days, but before they become available you can set source_transaction when creating a Transfer to send the pending funds to a connected account. These transferred funds will stay pending until the original funds are also available
white quail
Thank you very much for your help. It helped me a lot!