PSN-Connect | Stripe Developers | Page 1

lunar abyss Jan 10, 2022, 7:37 AM

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Hi @crimson solar are you using destination charge or direct charge?

crimson solar Jan 10, 2022, 7:39 AM

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I’m not using either

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I’ll walk you through the flow.

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When a user first signs up on our app, he will be having a wallet in our system with 0$ in it.

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The user then will have option to add credit to the wallet, which will simply take normal stripe payment and the amount once successfully paid is added to the company account and the user will get same wallet amount in his account.

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So if a user takes a service from other users, the amount is transferred to the service provider wallet(not stripe connect account)

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Only when the user requests for a withdrawal, the company transfers the requested amount to his/her stripe account and reduces the value from wallet.

lunar abyss Jan 10, 2022, 7:52 AM

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Are you using Stripe Connect API or Customer API to manage your users?

crimson solar Jan 10, 2022, 7:53 AM

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Connect api

lunar abyss Jan 10, 2022, 7:53 AM

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can I have your account ID?

crimson solar Jan 10, 2022, 7:53 AM

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Yes

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Do you need the email id associated?

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@lunar abyss

lunar abyss Jan 10, 2022, 8:17 AM

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Just the account ID will do

crimson solar Jan 10, 2022, 8:17 AM

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acct_1KFDcpQsE8RnBOTv

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I’m using this for test

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developer@zartek.in

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Both test and connect account is linked with this email

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@lunar abyss

lunar abyss Jan 10, 2022, 8:22 AM

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I'm still trying to understand how you made the payment without using direct charge or destination charge in Stripe Connect. Can you share with me some examples? payment intent ID or request ID will be helpful.

crimson solar Jan 10, 2022, 8:23 AM

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I made the payment to main account directly

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pi_3KGJ8NJf4DQyaCUh0wULIhj8

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Here is one test payment I just made

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I don’t want to use destination or direct charge since my application will be handling the payout logic.

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Does it make any sense?

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@lunar abyss

lunar abyss Jan 10, 2022, 8:29 AM

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You might want to read about making charges with Stripe Connect and decide which one works best for you https://stripe.com/docs/connect/charges

Create a charge

Accept payments and specify how these funds should be split between your platform and your connected account by creating charges.

crimson solar Jan 10, 2022, 8:31 AM

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@lunar abyss I have seen this. My question is can I handle the payout logic in my application side? Like I will have to hold the funds after a user gets paid for at least 7 days before letting the user to withdraw.

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Is it possible?

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So that in case of a dispute the service consumer can get a refund from the provider.

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@lunar abyss Any suggestion?

lunar abyss Jan 10, 2022, 8:39 AM

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If that's the case, you will be interested in separate charges and transfers, which give you more control on when to transfer to funds to connected accounts https://stripe.com/docs/connect/charges-transfers

Creating separate charges and transfers

With Connect, you can make charges on your platform account on behalf of connected accounts, perform transfers separately, and retain funds in the process.

crimson solar Jan 10, 2022, 8:49 AM

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Ok

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But it is not available in India right?

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Can I set min payout date using direct/destination charges? @lunar abyss

lunar abyss Jan 10, 2022, 8:52 AM

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Connect is available in India based on my best knowledge, but you can contact Stripe support to make sure

crimson solar Jan 10, 2022, 8:52 AM

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Stripe supports separate charges and transfers in the following regions: Australia, Brazil, Canada, Europe, Japan, Malaysia, New Zealand, Singapore, and the US. Separate charges and transfers are supported if both your platform and the connected account are in the same region (for example, both in Australia). For cross-region support, see the cross-border transfers docs.

lunar abyss Jan 10, 2022, 8:53 AM

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With direct and destination charge, The charge happens immediately.

crimson solar Jan 10, 2022, 8:53 AM

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lunar abyss With direct and destination charge, The charge happens immediately.

Oh ok

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So what can I do in case of a refund within 7 days?

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What if the service provider withdraws all the amount from his stripe connect account?

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@lunar abyss

crimson solar Jan 10, 2022, 9:11 AM

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Are you there? @lunar abyss

lunar abyss Jan 10, 2022, 9:14 AM

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Hi @crimson solar my shift is ending and my colleague will join this thread to continue helping you.

crimson solar Jan 10, 2022, 9:14 AM

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Oh ok no prob. Have a great day!

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@runic panther

runic panther Jan 10, 2022, 9:21 AM

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Hi! I'm taking over this thread, give me a few minutes.

crimson solar Jan 10, 2022, 9:21 AM

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Sure thanks

runic panther Jan 10, 2022, 9:23 AM

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If I understand correctly, you would like to know what to do in case of a refund within 7 days, because of insufficient funds?

crimson solar Jan 10, 2022, 10:25 AM

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Exactly @runic panther

crimson solar Jan 10, 2022, 10:26 AM

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runic panther If I understand correctly, you would like to know what to do in case of a refund...

Insufficient fund in the connect account of Service Provider

#PSN-Connect