JohnM-transfers | Stripe Developers | Page 1

toxic creek Oct 11, 2021, 1:15 PM

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@dense plume if it helps, I wrote https://stackoverflow.com/questions/55686949/why-i-am-getting-insufficient-funds-when-trying-stripe-transfers-even-though-i/55687932#55687932 and it should give you some pointers

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if you have a req_xxx request ID for the error I can probably tell you exactly why it fails. https://support.stripe.com/questions/finding-the-id-for-an-api-request

dense plume Oct 11, 2021, 1:17 PM

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actually , I do. It is req_w08HMht7eJZLH3

toxic creek Oct 11, 2021, 1:19 PM

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ok, so when you call the API to check your balance you'll see it has two types, card and bank_account https://stripe.com/docs/api/balance/balance_object#balance_object-available-source_types

Stripe API reference – The balance object

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

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for regulatory reasons, when you process payments using ACH, those funds go to the bank_account balance

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so that's the one it looks at when making the transfer

dense plume Oct 11, 2021, 1:21 PM

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But I included the source transaction ID. According to the docs, the transfer should wait until the charge has completed

toxic creek Oct 11, 2021, 1:21 PM

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that one is less than the amount you're trying to transfer, so it fails , as far as I can ell

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yeah that part confuses me too

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usually source_transaction would avoid this, but maybe it works different for ACH

dense plume Oct 11, 2021, 1:21 PM

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This was not an issue the other day.... trying to figure what has changed

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should it not draw for the bank account associated with the stripe to cover this amount ?

toxic creek Oct 11, 2021, 1:23 PM

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I'm fairly sure it's because the charge is old

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like it's from the 8th Oct, and it's already paid out : https://dashboard.stripe.com/test/payouts/po_1JjDIZHFDCZvO5mLn77JdwT6

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(the payment is part of that payout)

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so the funds from that payment have already been paid out to you, so you can't use it as a source_transaction, so it falls back to your balance.

dense plume Oct 11, 2021, 1:23 PM

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So, you are saying if I do a new charge ... and add the charge token to the transfer, it should wait ?

toxic creek Oct 11, 2021, 1:24 PM

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should it not draw for the bank account associated with the stripe to cover this amount ?
no it doesn't work that way, we don't debit you, the transfer just fails

toxic creek Oct 11, 2021, 1:24 PM

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dense plume So, you are saying if I do a new charge ... and add the charge token to the tra...

should work yeah

dense plume Oct 11, 2021, 1:24 PM

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Ok, I will give it a shot. THanks

dense plume Oct 11, 2021, 1:53 PM

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Still getting balance_insufficient; request-id: req_nAOmrR4nfE6uXA. I used the charge ID for this charge for the source_transaction on the transfer. So, what is causing this ?

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this is a charge I just created.

toxic creek Oct 11, 2021, 1:57 PM

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yeah that's weird

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I have no idea unfortunately, seems like it should work. Maybe source_transaction doesn't work with ACH(I've only really tried it with cards), but I can't find any internal resources that say that.
Try one thing at least, try passing addSourceType(BankAccount) (or similar, not sure how you do it in Java), i.e. https://stripe.com/docs/api/transfers/create#create_transfer-source_type . Maybe that would do something, though I'm doubtful.

dense plume Oct 11, 2021, 1:59 PM

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Yea, that is the way I was doing it before, and got the same issue.

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You can pass either the banksource, or the source transfer... not both

toxic creek Oct 11, 2021, 2:01 PM

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yeah it would make sense that source_transaction should be all that's needed.

dense plume Oct 11, 2021, 2:02 PM

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we... the other question is why did I receive the webhook saying the charge was successful if the funds are not avaiable ?

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webhook id is evt_1JjOiCHFDCZvO5mLWT78GJE1

toxic creek Oct 11, 2021, 2:12 PM

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the charge succeeding is not the same thing as the funds being available basically

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when the charge succeeds the funds are in your pending balance, they became available a few days later, per https://stripe.com/docs/payouts#standard-payout-timing

dense plume Oct 11, 2021, 2:20 PM

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so, is there a webhook that says when the funds are available for the charge ?

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Can you see why the source_transfer parameter is not working because I think instead of a webhook for funds avaiable, just conditioning the transfer based on the source_transfer sould work

toxic creek Oct 11, 2021, 2:22 PM

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well usually you'd use source_transaction and you don't have to keep track of this. I don't know why it doesn't work

dense plume Oct 11, 2021, 2:22 PM

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Can we open a defect on this because obviously it is not working as designed

toxic creek Oct 11, 2021, 2:22 PM

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I'd suggest asking https://support.stripe.com/email in detail so we can investigate.

#JohnM-transfers