#johnrey
tribal perch
heya @gray epoch, what connected account type are you using - Express/Standard/Custom? And what country is the Platform and Connected account based in?
gray epoch
Express and the country is in US.
But this is in test mode, live_mode is Sweden, Express
tribal perch
you can use account debits if both accounts (platform and connected account) are in the same region. Note the supported regions : Australia, Canada, Europe, Hong Kong, Japan, New Zealand, and the U.S.
there's no easy way to link that account debit to the invoice but what you can do is to add metadata to the relevant object
also be aware that there is an additional charge for using account debits
gray epoch
Is there an alternative to Account Debits?
tribal perch
so if both accounts aren't in the same region, it becomes a lot more complicated.
maybe you can explain why you're "charging" the connected account for an invoice paid out of band? is it for an application fee?
gray epoch
Yes we want to charge the connected account for application fee
tribal perch
are you doing direct charges?
gray epoch
No, we use Destination charge, transfer_data[amount]
tribal perch
- one way is to transfer less to the connected account till you cover that amount -> this makes it difficult to reconcile though.
- You could also reverse existing transfers till you cover that amount - add the reason for the reverse transfer as a metadata
- and the last method would be to possibly add the connected account as a Customer and charge them separately. You would be charged Stripe fees for this and reconciliation for the connected account would also be more complicated.
honestly, i don't know if the implementation cost is worth the trouble unless you have certain connected accounts that are doing lots of paid out of band invoices
keep in mind that if you reverse transfers and the connected account ends up in the negative, the same amount will be taken from your platform as a reserve.
The ideal situation is that we auto-debit the connected account for the neg balance, or their incoming payments cover this negative amount. But this may not always be successful (e.g. connected account's bank may not have sufficient funds) and some countries don't support auto-debits.
https://support.stripe.com/questions/reserves-for-connect-platforms-and-connected-accounts
gray epoch
I'll bring this up with the rest of the team.
tribal perch
yep, it's a bit complicated, feel free to reach back out if you need further clarification