#usama-escrow

1 messages · Page 1 of 1 (latest)

broken knot
cloud flame
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thanks pompey for the suggession

broken knot
cloud flame
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basically i have been in talks with them

broken knot
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Gotcha, I would keep it up with them, they are the best avenue for this question

cloud flame
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thankyou but im facing an issue during this thats why im here

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my scenario is my applocation is the platform where someone is providing services and anyone and can take his services and pay that service provider

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im using stripe connect api to transfer funds from customer to service providewr

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and also using scheduled payout

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@broken knot are you with me

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?

broken knot
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So what is the technical question you have at the moment with that flow?

cloud flame
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my question is im facing some error

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i wanted to send money from customer to service provider external accoutant

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im creating payout

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but faced an error

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then one of your developers told me that you cannot send money directly to someone's else external bank account

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so how can i achieve this

broken knot
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They are correct, you cannot send money direct to a connected account's external account

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You would send money to the connected account and then later a payout would happen which would send the money to the external account

cloud flame
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okay

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im creating charge

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and on the very next I'm creating transfer

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but it throws an error that says you don't have sufficient balance

broken knot
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The funds from charges can take a bit to actually settle on your account

cloud flame
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okay let me check

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sir same error is being thrown

merry chasm
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I'm here now

cloud flame
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No such external account

merry chasm
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@cloud flame I think you're jumping ahead in a lot of places

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that error is self explanatory, does that error msg make it clear what the issue is?

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I think there is some misunderstanding here on how Connect works

cloud flame
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sir i'm stuck basically

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my scenario is my applocation is the platform where someone is providing services and anyone and can take his services and pay that service provider
im using stripe connect api to transfer funds from customer to service providewr
and also using scheduled payout

merry chasm
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yes I understand but my point is that you're jumping ahead without fundamentally understanding how Connect works

cloud flame
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okay

merry chasm
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have you read through all the Connect docs? I cannot explain Connect better than the docs can

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like having an external account is a basic part of Connect, you have to attach an external bank account to a Connect acct to pay out funds to

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what Connect acct type are you using?

cloud flame
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i dont know about the type

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of the account im using

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but im in testing

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mode

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and creating connect accounts as well

merry chasm
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ok so first you have to read up and understand how Connect works

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please start here

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first step is to understand what account type you should use

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Connect is hugely complex

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so it is important you understand the basics of it

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that will address most of your questions

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like what an external account is and how you attach it

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and yes I understand you are testing

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but you still need to understand what Connect is/does

cloud flame
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i know how connect works

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express type account im creating

merry chasm
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sure and a key part of Express accounts is onboarding an express account with an external bank account or debit card

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and you have not fully onboarded it, cause it is missing an external account per the error msg

cloud flame
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that's the key part

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im creating external bank account of the user

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and trying to send money usnig that external bank account

merry chasm
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im creating external bank account of the user

how? Express accounts add their external accounts through the LoginLink aka mini Express Dashboard

did you attach the external account to the Express account?

cloud flame
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yes

merry chasm
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can you share the Express Account ID?

cloud flame
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okay let me do

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acct_1KBl0tPAOithtHbW

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here we go

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^^ is the stripe express account id

merry chasm
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That is a Custom account

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btw

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not Express

cloud flame
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this.stripeClient.accounts.create({
type: 'express',
country: 'US',
email,
capabilities: {
card_payments: { requested: false },
transfers: { requested: false },
},

  business_type: 'individual',
  external_account: token,
  business_profile: {
    mcc: '7311',
    url: 'http://abc.com',
  },

  tos_acceptance: {
    date: 1440516958,
    ip: '172.0.0.1',
  },
});
merry chasm
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ok that does have external_accounts but not seeing any requests to create Payouts on this Custom Connect accct

cloud flame
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^^ is the way to create account

merry chasm
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well your code might be creating Express accounts but the account ID you shared is Custom

 id: "acct_1KBl0tPAOithtHbW",
 type: "custom"
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look up the account yourself

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in your Dashboard and see for yourself

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just pointing out, I understand your code is trying to create Express accts but what you linked me was a Custom acct

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so I think you're creating Payouts on a different acct

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retrieve the account ID acct_1KBl0tPAOithtHbW

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and see the response you get back

cloud flame
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okay let me check

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but how can i achieve the usecase that i wanted to

merry chasm
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first, let's narrow down to one account ID.

either Custom or Express account, that has an external account and Balance added to it.

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that is the right scenario to be able to create a Payout

cloud flame
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when we create a charge. Doesn't it instantly move to the admin account?

merry chasm
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no

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it takes time to settle

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but

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you can use a special card token which settles instantly

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that skips settlement time and settles instantly

cloud flame
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im using transfer API to transfer to send amount to connected account

merry chasm
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yes that is instant, so you create a Charge on Platform using that^ PaymentMethod, then create a Transfer

cloud flame
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okay let me check

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No such external account: 'ba_1KBlr0PAOithtHbWZ37o9ynH'

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still

merry chasm
cloud flame
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let me tell you

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sir ecternal bank account with id ba_1KBlr0PAOithtHbWZ37o9ynH exist

merry chasm
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please share a request ID

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that helps me debug and investigate

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my hunch is that you are making the API request on the wrong Connect account

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so yes ba_1KBlr0PAOithtHbWZ37o9ynH exists, but not on the Connect account you're paying out to

cloud flame
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okay

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request id means?

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my api key

merry chasm
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no

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when you make an API request, it returns a request id like req_123

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that I can look up on my end

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and see what parameters you passed to the API

cloud flame
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req_rPMMmbpxwdF43i

merry chasm
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great! do you have the request ID for the request that returned an error too?

the one about "no external acct" one

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but looking, I can probably find it

cloud flame
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let me check

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req_B1WR3TB95pKH8y

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here it is

merry chasm
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nice, loking

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here is the error

https://dashboard.stripe.com/test/logs/req_rPMMmbpxwdF43i -> you transfered 10c to the Connect acct

https://dashboard.stripe.com/test/logs/req_B1WR3TB95pKH8y -> you tried to pay out $85

the error is self explanatory no?

You have insufficient funds in your Stripe account for this transfer. Your card balance is too low. You can use the /v1/balance endpoint to view your Stripe balance (for more details, see stripe.com/docs/api#balance)

you are paying out much more than you have in your Connect acct balance?

This event https://dashboard.stripe.com/test/events/evt_1KC6PQPAOithtHbWImiW3CH3
tells me that Connect account only has 50 cents of available balance and you're trying to pay out way more than that

cloud flame
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okay let me do

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okay sir thanks that was really helpful

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im trying to create the scheduled payout

merry chasm
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no problem, glad to help!

cloud flame
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and one more question please

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im trying to achieve a scheduled payout

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and I'm transferring funds from connected account to connected account bank account

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with some delay days

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but on my dashboard

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im not seing any delay in the payout

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@merry chasm are you with me?

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you can check in the picture that the funds are directly available

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@merry chasm ?

languid elbow
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Hello! @merry chasm had to step away for a bit. Looking at the screenshot I see a delay of 2 days shown there, is that the delay you're trying to use?

cloud flame
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im setting the delay of 8 days

languid elbow
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Where are you setting that delay?

cloud flame
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while updating the account

languid elbow
cloud flame
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using the same

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await this.stripeClient.accounts.update(stripeAccountId, {
settings: {
payouts: { schedule: { interval: 'daily', delay_days: 8 } },
},
});

languid elbow
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If you fetch the account using the API do you see that setting set to what you expect?

cloud flame
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my question is

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how can I check the amount is transferred to the one's account successfully on my admin dashboard

languid elbow
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Meaning the Stripe Dashboard or a dashboard you're building on your end?

cloud flame
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stripe dashboard

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since I'm seeing the transferred amount in my connected account

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but i am talking about amount transferred to itrs external bank account

languid elbow
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Is that what you were looking for?

cloud flame
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yes