rahal-transfers | Stripe Developers | Page 1

fiery crane Dec 7, 2021, 9:36 AM

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then you probably are not an Administrator on your Stripe account

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you should ask whoever is to either change that settings for you or invite you to the team as an admin (https://stripe.com/docs/dashboard/teams)

river timber Dec 7, 2021, 9:38 AM

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Ok, and this setup is common between prod and test mode? as my transfert is in test mode for now

fiery crane Dec 7, 2021, 9:45 AM

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that setting is shared between test and live mode yes

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if that' a problem you might want to create a new account just for testing with

river timber Dec 7, 2021, 10:09 AM

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Ok, grat thanks, it's done

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I don't know if I'm doing the transfert the right way.. I way to transfert money to this conecter account from my current balance

fiery crane Dec 7, 2021, 10:18 AM

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presumably you don't have any balance then!

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this uses your available balance and you won't have any immediately since payments take a few days to become available (https://stripe.com/docs/payouts#standard-payout-timing)

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https://stackoverflow.com/questions/55686949/why-i-am-getting-insufficient-funds-when-trying-stripe-transfers-even-though-i/55687932#55687932 is something I wrote with lots of detail, I'd suggest reading that

river timber Dec 7, 2021, 10:22 AM

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Oh.. I made paiements in test mode and they were successful.. but that doesn't mean the money is available

fiery crane Dec 7, 2021, 10:25 AM

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no, they take a few days to clear. There's a test card to skip that period

river timber Dec 7, 2021, 10:26 AM

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I used test sepa account for my test

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ok, well.. I'll add some founds then try again, thanks

river timber Dec 7, 2021, 10:44 AM

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The error changed, I'm a little confused.. it says that sepa_balance is too low. I guess it's because I used 'source_type' => 'bank_account',

fiery crane Dec 7, 2021, 10:47 AM

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hmm. I think you should use source_type:card instead(or just omit it). yes I know that's confusing.

river timber Dec 7, 2021, 10:48 AM

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I removed source_type' => 'bank_account' and it worked.. but I don't understand... in prod mode, we are supposed to be working exclusively with sepa_mode , will the "card" have founds?

fiery crane Dec 7, 2021, 10:48 AM

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source_type:bank_account only contains balances from US ACH payments, for some legacy reasons, everything else goes to card. I've never seen this "Your SEPA balance is too low" error before though, maybe something is special about your account. But try it with just removing source_type

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yes card will have funds

river timber Dec 7, 2021, 10:48 AM

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fiery crane yes card will have funds

Even if paiements are made via sepa? sorry I'm asking too much questions

fiery crane Dec 7, 2021, 10:49 AM

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the way it works is if you do payments with US ACH payments, those funds go to bank_account. Everything else(inlcuding SEPA) goes to card

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yes

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as a side note usually you use source_transaction or destination charges, is there are reason you're not? It creates a lot of work to do it the way you're doing it since you have to keep track of your balance.

river timber Dec 7, 2021, 10:49 AM

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ok, thanks for the clarification.. So no need to setup source_type

river timber Dec 7, 2021, 10:53 AM

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fiery crane as a side note usually you use `source_transaction` or destination charges, is ...

Ok, let me try to explain what we are trying to do :

every 28 of the month, we run a "payintent" from all our active clients with sepa
days later, we run a "transfert" to all our partners ( the amounts are calculated from the succeded paiements )
so we may have 100 paiements , and only 10 or 15 transferts

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we do this as I create invoices on the behalf or our partners with the exact paid "services" before initiation the transfert ( so the balance should be enough... althought, i think I need to pay attention to stripe fees )

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I don't know if in this setup, I can you source_transaction

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maybe we are not doing it right.. I'm trying to keep the "developpement work low" and not throw away existing code

fiery crane Dec 7, 2021, 11:00 AM

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makes sense. I do think you can probably use source_transaction though, don't see why not. You'd just set it to the Charge from the successful PaymentIntent that you ran(multiple transfers can use the same source_transaction for instance)

river timber Dec 7, 2021, 11:02 AM

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mutliple transferts can use the same source_transaction, that's good.. but can multiple paymentintent use the same source_transaction too? what if a paiment fails?

fiery crane Dec 7, 2021, 11:04 AM

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PaymentIntents don't use source_transaction so I don't understand that part of the question. For the second part, I would not make the transfer API call until after you know the payment has succeeded and you got the webhooks about it. ( https://stripe.com/docs/payments/sepa-debit/accept-a-payment?platform=web#web-confirm-success)

river timber Dec 7, 2021, 11:07 AM

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Guess I don't understand what you meant with this ( You'd just set it to the Charge from the successful PaymentIntent that you ran ) . and I already listen to the webhooks to make sur the paiments are successful.. but I think, it's not enough.. I still need to make sur all the founds are available

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or listen for webhooks to make sure funds are received for those payment intents

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if I understand correctly, payment_intent.succeeded doesn't necessary mean the money can be transfered

fiery crane Dec 7, 2021, 11:12 AM

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but I think, it's not enough.. I still need to make sur all the founds are available
so when you get the payment_intent.payment_succeeded event the payment was successful and the funds are added to your pending balance. A few days later(depends on your country, I linked to payout timing earlier), those funds become available.

If you want to transfer the funds to connected accounts you either :
a) wait until you have enough in your available balance and then call the transfer API
b) use source_transaction https://stripe.com/docs/connect/charges-transfers#transfer-availability , which you can in fact do before the funds are available "By using source_transaction, the transfer request succeeds regardless of your available balance and the transfer itself only occurs once the charge’s funds become available."

river timber Dec 7, 2021, 11:16 AM

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I don't undestand how to use source_transaction as I use PaymentIntents for the paiements, do I just need to set an arbitrary value?

fiery crane Dec 7, 2021, 11:17 AM

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it's the ID of the charge from the PaymentIntent

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intent.charges.data[0].id

river timber Dec 7, 2021, 11:19 AM

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but I have multiple PaymentIntents... maybe 100 Payments for 10 transferts ( for example ) , how can I set the source_transaction for my case

fiery crane Dec 7, 2021, 11:29 AM

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that depends on your business logic and how you connect these payments being made to customers to the money your partners make

river timber Dec 7, 2021, 11:57 AM

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we have multiple parteners collaborating for the same customer ( so they have a defined percent of their monthy paiement ) , and an affiiliate ( wich we'll also consider as a partners that will have a small percet too ) ... So we have connected accounts for parteners ( businesses ) and affiliates ( individuals ) . and every month, we charge all our customers, et "when all transferts" are in , we make transferts to the connected accounts. I don't know if I explained correctly the business logic

fiery crane Dec 7, 2021, 12:04 PM

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makes sense I suppose

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I don't have any input for you! As you said, it's business logic. You'd probably make life easier from an accounting and auditing perspective to link the transfers to appropriate payments in whatever way makes sense for your business.

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from the technical perspective all that matters in the API call is the charge you use as the source_transaction has enough pending funds for the amount of the transfer

river timber Dec 7, 2021, 12:21 PM

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Sorry, I'm really having a hard time understanding this " is the charge you use as the source_transaction has enough pending funds for the amount of the transfer"

haughty sonnet Dec 7, 2021, 12:23 PM

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Hey, taking over from @fiery crane – let me catch-up

river timber Dec 7, 2021, 12:23 PM

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sure

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Thanks

haughty sonnet Dec 7, 2021, 12:25 PM

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Ok, yeah. So if you're creating a transfer with amount: 999 and you pass the source_transaction parameter then that Charge/PI must be >= 999

river timber Dec 7, 2021, 12:45 PM

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my confusion is about the source_transaction "value" , where to get it? as I explained, I may have 100 paymentIntent and I'll have only 10 transfers ( I need to make sure all the 100 paymentIntent funds are available before initiating the 10 transfers )

haughty sonnet Dec 7, 2021, 12:51 PM

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The source_transaction would be the ID of the corresponding payment. So likely pi_xxx

https://stripe.com/docs/api/transfers/create#create_transfer-source_transaction

Stripe API reference – Create a transfer

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

river timber Dec 7, 2021, 12:52 PM

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haughty sonnet The `source_transaction` would be the ID of the corresponding payment. So likely...

That's what I understood.. but I'll have 100 payment and only 10 transfers , so I think I can't use this method

haughty sonnet Dec 7, 2021, 12:54 PM

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I mean, you don't need to use the source_transaction parameter

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If a transfer does not correlate directly with a single payment then it's probably not useful

river timber Dec 7, 2021, 12:57 PM

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haughty sonnet If a transfer does not correlate directly with a single payment then it's probab...

exactly .. a transfert correlate with multiple payments

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So I just need to make sure all payments are sucessful and more importantly that the funds are available. how can I be sure that all Payments are "Available" ?

haughty sonnet Dec 7, 2021, 1:00 PM

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You'd want to check the Balance object for the account: https://stripe.com/docs/api/balance/balance_retrieve

Stripe API reference – Retrieve balance

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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That'll ensure there's sufficient funds to cover the transfer

river timber Dec 7, 2021, 1:01 PM

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ok, that's one way.. is there a way to make sure every single Payment Intent is available?

haughty sonnet Dec 7, 2021, 1:04 PM

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Not really, no. The state of subsequent balance isn't managed on the PI object

river timber Dec 7, 2021, 1:07 PM

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there is no weebhooks that I can listen to when the available balance changes then I can know what PI became available?

haughty sonnet Dec 7, 2021, 1:08 PM

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Well you can listen for balance.available which will fire when funds from a payment become available: https://stripe.com/docs/api/events/types#event_types-balance.available

Stripe API reference – Types of events

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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But that won't contain any details about which PI became available

river timber Dec 7, 2021, 1:11 PM

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I saw.. but I'll now that every PI is available when pending = 0 ( if we stick to only one paiment cycle per month )

haughty sonnet Dec 7, 2021, 1:17 PM

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I'm not sure I understand

river timber Dec 7, 2021, 1:26 PM

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while listening to the balance.available event, I can still read the pending balance, and if it is = 0 , it should mean than all the PI are available

haughty sonnet Dec 7, 2021, 1:29 PM

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Yes, but more importantly you want to ensure the available balance is enough to cover the transfers

river timber Dec 7, 2021, 1:30 PM

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Ok, gotcha.. I'll juste check my available balance before running all my transfers, Thanks for the feedback

haughty sonnet Dec 7, 2021, 1:30 PM

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Sure, np!

#rahal-transfers