#redtopia - Connect Transfers

1 messages · Page 1 of 1 (latest)

runic mauve
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Hello! payouts_enabled lets you know if the account's balance can be paid out to an external account (their bank account). capabilities.transfers tells you if the account can accept transfers. These properties are all documented in the API reference here: https://stripe.com/docs/api/accounts/object

carmine obsidian
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yes, I have read the docs

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Would there ever be a case when transfers are active and payouts_enabled is false?

runic mauve
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I think that can happen, yeah.

carmine obsidian
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Under what circumstances? And would there ever be a case when payouts_enabled is true and transfers are inactive?

runic mauve
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I don't know all the circumstances, there are likely too many to list, especially when you take into account operations that may be performed on a given account due to fraud, abuse, risk, etc. I recommend you don't think about specific cases like this and instead assume an account can be in any combination of states.

carmine obsidian
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okay... this is why I'm reach out because the docs don't reference this. Basically, I need to know if I can transfer funds into an account for a future payout. There's no reason why I would ever transfer funds into an account without a future payout. It's not clear to me whether I should be testing to see if the account can accept a transfer, ie capabilities.transfers == "active" or if I should be testing if payouts_enabled == true

runic mauve
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If you want to know if you can transfer funds to a connected account you should be looking at capabilities.transfers.

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If you want to know if a connected account's balance can be paid out you should look at payouts_enabled.

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Those are two separate things that tell you different things.

carmine obsidian
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OK, that makes sense, but I also would need to know the difference so I can report this information back to the vendor on the platform. In other words, if transfers are not "active", then I would want to tell the vendor something different than if payouts_enabled is false... is there a doc that explains these conditions?

runic mauve
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Not sure what you mean... we just talked about what those mean. Can you provide more details?

carmine obsidian
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well, you indicated that there are too many edge cases to explain

runic mauve
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That was in reference to how an account can get into any particular state.

carmine obsidian
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basically, i need to tell the vendor what's going on... maybe they haven't completed the onboarding process and I need to guide them back to that. Or maybe there's a problem with their external account?

I'm wondering if I test only for the payouts_enabled flag, then all situations will be covered. In other words, assuming this flag is set to true, then transfers will also be set to true.

runic mauve
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You can't assume that.

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These are two independent properties that are not directly related to each other.

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One is for transfers into the account from your platform. The other is for payouts from that account's balance into an external account.

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If you want to report this information you need to report both separately and not try to roll them up into a single thing.

carmine obsidian
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I understand. Given this assertion, I will need to be more granular in how I deal with these two conditions. When transfers are inactive, what does that mean? When payouts_enabled is false, what does that mean?

runic mauve
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When transfers are inactive it means your platform cannot transfer money to that account.

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When payouts are not enabled it means the balance on that account cannot be paid out to an external account.

carmine obsidian
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but why

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I realize you told me it's because of a lot of things, but I need to be more specific to my vendors... I don't know why, and neither do you... so what do I tell my vendor? Do I just tell them to go to their stripe account and fix it up?

runic mauve
carmine obsidian
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ok... I guess I'll just check both properties and if I can't transfer or do a payout, I'll direct the end user to their Stripe Connect account and submit the required information.

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thank you for your help

runic mauve
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No problem!