suraj-general | Stripe Developers | Page 1

jade spruce Feb 3, 2022, 7:38 AM

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hello @spiral zodiac! how can we help?

spiral zodiac Feb 3, 2022, 7:40 AM

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i want know about cancelled payment

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can is make it succeded once i cancel it ..?

jade spruce Feb 3, 2022, 7:42 AM

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nope. You will have to create a new PaymentIntent

spiral zodiac Feb 3, 2022, 7:43 AM

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ok, can i block the succeded payment for some time ..?

jade spruce Feb 3, 2022, 7:48 AM

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do you mean you want to do an auth and capture? https://stripe.com/docs/payments/capture-later

spiral zodiac Feb 3, 2022, 7:49 AM

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no, it is the hold on customer card for 7 days only

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but

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i am using custom connects with manual payouts

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also using destination charge

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when amount is hold on connect, in that case i need to block some payment to auto payout after 90 days ..?

jade spruce Feb 3, 2022, 7:54 AM

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since you're using manual payouts. It's up to you to decide when and how much you want to payout each time. As the documentation mentions, you should not hang on to funds/payments for longer than 90 days

spiral zodiac Feb 3, 2022, 7:54 AM

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i have one more question in mind

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one connect account have 2 payments, $10 and $15 = total $25, then when its 90 hold how stripe know which amount going to auto pay to connected bank .?

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do you gettting my view

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??

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so, i need that reference so can payout manually before autopay to bank ..?? where can i find out ??

jade spruce Feb 3, 2022, 8:18 AM

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are you planning to hang onto payments for more than 90 days?

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what is your use case?

spiral zodiac Feb 3, 2022, 8:22 AM

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yes this is also a case, or i want to know which payment is going to auto pay from stripe ..?

jade spruce Feb 3, 2022, 8:23 AM

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can you explain why your business needs to hang onto payments for more than 90 days?

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how does your business work?

spiral zodiac Feb 3, 2022, 8:24 AM

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yes sure,

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this basically client and service provider based

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we getting money from client and place hold on provider's connect account

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then we client mark done that work then he manually payout that money to provider(connect account)

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so here , we have one our own feature managing the dispute regarding work, weather it is completed or not, so in that case we need to block that payment for some time.

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do you get this.. ?

jade spruce Feb 3, 2022, 8:46 AM

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If the work is going to take longer than 90 days. I would suggest that you take payments from the client in installments or take an initial deposit and then get the client to pay another lump sum after a period, so that you won't run into that 90 days problem.

spiral zodiac Feb 3, 2022, 9:18 AM

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oh that is ok for payout, we automatically create payout before 90 days

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my point is how can we know which payment is going to payout from $25 , $15 or $10 from connect balance ..?

daring dirge Feb 3, 2022, 9:41 AM

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Hi! I'm taking over this thread. I'm not sure I follow you last question, could you clarify?

spiral zodiac Feb 3, 2022, 9:46 AM

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one connect account have 2 payments, $10 and $15 = total $25, then when its 90 hold how stripe know which amount going to auto pay to connected bank .?

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how can we know which payment is going to payout from $25 , $15 or $10 from connect balance ..?

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This is type of practical thing you need to assume from our side

daring dirge Feb 3, 2022, 9:57 AM

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Are you using automatic payout or manual payout?

spiral zodiac Feb 3, 2022, 10:30 AM

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manual payout

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??

daring dirge Feb 3, 2022, 10:37 AM

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Please give me a few minutes to look into this.
For your information the 90 days you mentioned don't apply the account in the US. The documentation states:

Stripe will hold funds in the account holder’s balance until told to pay them out for up to 90 days. The exception to this limitation is the U.S., where funds can be held in their balance for up to two years. To trigger a payout of these funds, use the Payouts API.

spiral zodiac Feb 3, 2022, 10:41 AM

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yes thats is ok,

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i am asking about another question how we can know which amount is going to payout from connect balance but stripe knows, this is what i am asking about, when and what payment are going to payout from connect balance.

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now you get it ..?

daring dirge Feb 3, 2022, 10:52 AM

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Sorry for the delay. So what happens at 90 days is we just pay out all the accumulated available balance on the account (it’s not just paid out one payment at a time). So in your previous example we would payout $25.
You could use this to see exactly what charges are included in the payout: https://stripe.com/docs/expand/use-cases#charges-in-payout

spiral zodiac Feb 3, 2022, 10:55 AM

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that means after 90 days my available payment is auto payout if one payment is just arrived 7 days ago ..??

daring dirge Feb 3, 2022, 10:56 AM

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If it's in the available balance of the account, yes.

spiral zodiac Feb 3, 2022, 10:56 AM

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ohh , thats not good

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because we are using destination charge, multiple payments are arrived from different customers and payout on some timing, so i have lost all available balance after exact 90 days from when first payment made on account....right ?

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because from your side it was suggested me to do use this destination charge, also make sured all the payment payout automatically based on the arriving time+ 90 days ...??

past vapor Feb 3, 2022, 11:17 AM

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If you're using manual payouts, the limit we'll hold funds in a balance is 90 days (except for US accounts): https://stripe.com/docs/connect/manual-payouts

Using manual payouts

Sending manual payouts to your connected accounts

spiral zodiac Feb 3, 2022, 11:19 AM

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yes, how about the auto payout, it payout all balance or payout according to arriving date of payment in connect + 90 days

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??

past vapor Feb 3, 2022, 11:28 AM

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You can learn more about payout scheduling here: https://stripe.com/docs/connect/manage-payout-schedule & https://stripe.com/docs/payouts#payout-schedule

Managing payout schedule

Manage the automatic payout schedule to your connected accounts.

Receiving payouts

Set up your bank account to receive payouts.

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Generally it'll payout all balanced accrued since previous payout

spiral zodiac Feb 3, 2022, 11:32 AM

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ok, so do i need to shift to direct charge.. ?

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please suggest ?

past vapor Feb 3, 2022, 11:49 AM

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Switching between direct/destination charges won't change anything regarding payout timing

spiral zodiac Feb 3, 2022, 11:53 AM

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yes, i need to change the payment way , need create hold on platfrom rather than connect ..?

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atleast money is payout on our side if it automatically payout, the difference is only is stripe take 2 times charge... right ?

past vapor Feb 3, 2022, 11:56 AM

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spiral zodiac yes, i need to change the payment way , need create hold on platfrom rather than...

We're still only able to hold balance funds for 90 days

spiral zodiac Feb 3, 2022, 11:59 AM

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yes, in that case i will make connect auto payout, and my platform is US based account, right.

past vapor Feb 3, 2022, 12:04 PM

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Balances can be hold for up to 2 years on US accounts

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If you want to hold funds on your platform, then you'll need to switch from destination charges to separate charges & transfers: 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.

spiral zodiac Feb 3, 2022, 12:10 PM

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why i can't use direct charge ..?

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what things i need to change ..?

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connect accounts as custom automatic type.. right

past vapor Feb 3, 2022, 12:14 PM

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I'm confused! My understanding is that you want to charge users on behalf of connected accounts, but hold those funds for upwards of 90 days. Correct?

spiral zodiac Feb 3, 2022, 12:16 PM

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i will explain again, i want to place hold on stripe (either on platfrom or connects), and payment must be safe(not payout to any connect without our action or after 90) ...?

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please suggest

past vapor Feb 3, 2022, 12:23 PM

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Then I already explained:

the limit for holding balances before a required payout for most accounts is 90 days
the exception to this is US platforms/accounts where it is 2 years
if you have a requirement to hold funds before a payout, then you will need to use manual payouts with your connected accounts
you will also need to use separate charges and transfers, where you can schedule the related transfer to the connected account ~90 days after the initial payment

spiral zodiac Feb 3, 2022, 12:30 PM

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past vapor Then I already explained: * the limit for holding balances before a required pay...

if am using the auto payout on all my custom connects except platfrom, how this 90 apply on that, i'm so confused, please explain
This is for platfrom, its ok .
This is what i am facing issue of all my available balance is auto paid to connect user, i dont want this to do, i will lost my all money that is on hold on every after 90 days.
please explain more, first customer is charged and then we can do transfer later... ?

past vapor Feb 3, 2022, 12:36 PM

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Yes, you'd use separate charges and transfers: https://stripe.com/docs/connect/charges-transfers
You would charge the customer, the funds will stay on the platform account and then you can create the subsequent transfer to the connected account ~90 days (or whenever) you need later on

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.

spiral zodiac Feb 3, 2022, 12:37 PM

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ok,during this process how many times stripe take fees... ?

past vapor Feb 3, 2022, 12:39 PM

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This is outlined here: https://stripe.com/docs/connect/charges-transfers#collecting-fees

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.

spiral zodiac Feb 3, 2022, 12:39 PM

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it seems, it take 2 times

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when customer charged and when make charge on platform ..right?

spiral zodiac Feb 3, 2022, 12:41 PM

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past vapor Yes, you'd use separate charges and transfers: https://stripe.com/docs/connect/c...

so in this there is no time limit, right ..?

past vapor Feb 3, 2022, 12:42 PM

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No, a single fee

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There's no fee to transfer between accounts

spiral zodiac Feb 3, 2022, 12:44 PM

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1.customer to platfrom => x fee
2.platfrom to connect =no fee
right ....?

past vapor Feb 3, 2022, 12:45 PM

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Yes

spiral zodiac Feb 3, 2022, 12:46 PM

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so, refund work as same with destination charge ..?

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and platfrom fee

past vapor Feb 3, 2022, 12:47 PM

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Please read the docs, it's all outlined there: https://stripe.com/docs/connect/charges-transfers#issuing-refunds

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.

spiral zodiac Feb 3, 2022, 12:51 PM

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yes, in this case platform must have balance to make transfer right, else it goes to pending

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so how can we prevent this on platform

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by making platform as manual payout or by adding external balance into it ..?

past vapor Feb 3, 2022, 12:55 PM

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Either will work, sure!

spiral zodiac Feb 3, 2022, 12:57 PM

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ok, i might take some extra charges when we adding balance to it, right😆

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ok thanks for all, will talk later

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thanks for all.

past vapor Feb 3, 2022, 1:04 PM

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Np!

#suraj-general