#casey-docs-question

1 messages · Page 1 of 1 (latest)

livid ocean
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Hello, what is your question?

stark tartan
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hi Pompey, so I heard that for cross-border payouts, I need to get recipient service agreement

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but in this stripe docs page, I can select full service agreement and request transfers and tax_reporting_us_1099_misc

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  1. does this mean I can get full service agreement from our Canadian connected accounts? (the same as we do for US accounts)
  2. does stripe also support tax reporting 1099 misc for Canadian accounts?
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  1. does cross-border payouts just mean when we want to pay them in their currency (ex. CAD) instead of USD..? or does it mean payouts that we send cross-border (ex. our US account to Canadian connect account)
livid ocean
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Good questions. Looking in to them.

stark tartan
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thanks I've already had a conversation with regular support regarding the service agreements, but this stripe docs got me all confusing again );

livid ocean
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What did they say on the service agreements?

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Also do you have a ticket number so I can see what was covered there?

stark tartan
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the page selects full as default, and I was able to add capabilities transfers and tax_reporting_us_1099_misc as I did for US accounts

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but I was wondering if this is only for the case where our main account is also CA

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hmm not sure if I was ever given a ticket number

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For your reference, here’s our chat conversation:
Chat started: 2021-11-02 05:29 AM UTC

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this information is all I have on the chat transcript I received on email

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to be more clear,
our main account is US
and we currently only support custom connected accounts that are in US

however, we wanted to extend our service to CA
so I'm trying to create some CA custom connected accounts

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however the stripe docs I originally posted above shows me some other options.. so I'm confused

livid ocean
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Right, I am unsure why recipient isn't available in that doc either at the moment.

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Still looking in to this and your original three questions.

stark tartan
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thanks! I can wait 🙂 I just need to be clear so I understand these correctly

livid ocean
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Have you tried creating an account with a country of CA and a recipient service agreement?

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Shouldn't change your answers, just wondering if that sees any errors or anything

stark tartan
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no I haven't tried it yet.. I was planning things while reading docs

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let me try ti

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it*

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Stripe::InvalidRequestError: The tax_reporting_us_1099_misc capability is not requestable for accounts in CA.

Stripe::InvalidRequestError: You cannot request any capability other than transfers for accounts that are under the recipient service agreement. For more information on recipient service agreements, see https://stripe.com/docs/connect/service-agreement-types#recipient.

livid ocean
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I was actually just about to get back to you on 1099 being only US

stark tartan
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haha this was a nice recommendation

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these error messages are way clearer than the stripe docs

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I usually start with the book(manual) and work my way... to build + test

livid ocean
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That makes sense. Apologies it is taking me a bit on the other ones.

stark tartan
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but your way of working backward seemed to be working better in this scenario

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no I understand this can take time..

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I know it's a complex matter, but.. stripe docs are very misleading from time to time 😦

mossy bridge
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Hi there 👋 stepping in for Pompey and working on getting caught up here.

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Were you able to get an account created with just the transfers capability by leveraging the recipient service agreement?

stark tartan
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yes 🙂

mossy bridge
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Awesome, thank you for that confirmation. Were there any outstanding questions that I've missed?

stark tartan
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so last clarification..

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if we will be paying users in Canada

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from our US account through CA custom connected account

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that will be considered "cross-border" payouts, right?

stark tartan
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what are the correct required verification for
service agreement: recipient
country: CA
capabilities: transfers

mossy bridge
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Apologies for the delay, yes paying from the US to CA would be Cross Border.

Do you have the request ID from where you're seeing that error returned?

stark tartan
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that error message is from the stripe docs page

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when I make the selection to view the required verification on docs

mossy bridge
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Ah, sorry, it took me a moment to get my docs to be in the same state. Now I'm seeing what you're referring to.

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Are you using Business or Individual accounts?

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For individuals it should be:

  • Name
  • DOB
  • Bank account info
  • Identify document (maybe, depends on country, financial partner, and lifetime volume)

For businesses on the other hand:

  • Legal Entity Type
  • Company name
  • Name
  • DOB
  • Bank account info
  • Identify document (maybe, depends on country, financial partner, and lifetime volume)
stark tartan
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I'm expecting both individual and company

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from my testing with api, it asks for company name but no entity type for company account..

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which is correct..?

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or are you referring to non-profit/company for entity type..? aka business_type?

mossy bridge
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Double checking

mossy bridge
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I'm not 100% certain, and am having trouble confirming, but think it is either business_type or company.structure. You can create the account, then retrieve it and check the requirements and future_requirements fields to confirm though.

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Looking more closely at the The card_payments capability is not available for accounts with a recipient service agreement. message, I think this message is intended to be informational and isn't actually an error being returned.

shell spade
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It is an error returned! If you use a recipient service agreement you can not enable card_payments as a capability or make charges with on_behalf_of

stark tartan
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@shell spade I didn't enable card_payments 🙂

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I only selected transfers and the error message for card_payments is still being displayed

shell spade
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ah you mean just in the docs? If so yes ignore it, it's plausible it doesn't work because your account can't yet support the recipient agreement (sorry I thought you were also getting the error directly)

stark tartan
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I wanted to turn on recipient agreement but the button didn't do anything for me

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how can I ensure that my account supports the recipient agreement?

shell spade
stark tartan
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@shell spade 👍

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@shell spade one more question,

external_account.routing_number
optional
The routing number, sort code, or other country-appropriate institution number for the bank account. For US bank accounts, this is required and should be the ACH routing number, not the wire routing number. If you are providing an IBAN for account_number, this field is not required.

from api doc https://stripe.com/docs/api/external_account_bank_accounts/create

however CA bank account information is:
transit number, institution number, account number
https://stripe.com/docs/payouts

which one should I use in place of routing number?

shell spade
stark tartan
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transit_number-institution_number ... I see