archienorman - customer balance | Stripe Developers | Page 1

kind marlin Mar 7, 2022, 4:20 PM

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Can you illustrate this with an example? I'm not sure I understand what you're trying to achieve here.

vestal plinth Mar 7, 2022, 4:42 PM

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ok sure.

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we have 2 user types. 1 provides a service and gets a stripe connect account, the other pays for the service in our platform.

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we would like the user paying for the service to be able to have credit, ie an amount is paid to us and we adjust their balance with the credit amount so when the go to pay for a service, they can avoid paying.

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the use case here is an employer pre pays for their employees to use wellbeing specialists in our platform

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given the employer pre pays us directly, we would like to pay the credited amount directly to the stripe connect user.

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ie. by adjusting the balance, we assumed our platform would automatically pay the credit, but it appears the service provider has the amount deducted instead

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please let me know if thats not clearer - and thank you for the support

kind marlin Mar 7, 2022, 4:53 PM

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Ah, yes, customer credit reduces the amount of future invoices

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If you intend for your service providers to receive these amounts, you'll need to manually create separate transfers for the credited amount

vestal plinth Mar 7, 2022, 4:56 PM

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i see - so it becomes 2 transactions?

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does that mean we get charged twice?

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(i mean fees twice)

kind marlin Mar 7, 2022, 4:57 PM

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well it depends on the details of what you're doing, but potentially

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if you collect a payment from an employer and a separate payment form an employee, yes

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but if eg the credit covers the full invoice so that no payment is needed from the end customer/employee, then no

vestal plinth Mar 7, 2022, 5:05 PM

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our plan is to have an employer make a bank transfer to our bank account of lets say 500 GBP. we spread that 500 GBP into 100 GBP credit amount across 5 user accounts. Those users make a payment to a Stripe connect account and the amount in our bank account is used as the credit

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so lets say one of those users transacts 120 GBP, where 20 GBP is taken frmo their bank card and 100 GBP is taken from us as the platform

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that would result in fees on both transactions?

kind marlin Mar 7, 2022, 5:08 PM

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Yes -- you'd have a fee for the employer 500gbp payment and the customer 20gbp payment to cover the difference

vestal plinth Mar 7, 2022, 5:16 PM

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but if the employers payment was not processed through stripe at all

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i have gone off topic slightly from my question

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here is an example

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teh Stripe connect user recieved 18 GBP, where they should have receieved the 68 GBP in the payout

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it seems the 50 GBP was deducted from her service fee, rather than taken from our Stripe account (as the Stripe Connect Platform Owner)

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so we are saying that we need create another transfer via the api to send the 50 GBP credit?

delicate mortar Mar 7, 2022, 5:25 PM

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Hello 👋
Taking over for synthrider here as they have to step away
Give me a moment to catch up 🙂

vestal plinth Mar 7, 2022, 5:26 PM

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thank you @delicate mortar

delicate mortar Mar 7, 2022, 5:29 PM

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Yes you'd need to create another transfer to send them 50GBP which were deducted due to the credit

vestal plinth Mar 7, 2022, 5:31 PM

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so is the credit system purely designed for user to user credit, rather than us as a platoform to apply credit to accounts

delicate mortar Mar 7, 2022, 5:33 PM

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Yup that's correct.

vestal plinth Mar 7, 2022, 5:34 PM

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so is there a better way for us to acheieve credit from a platform perspective?

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(we cant afford to make two transactions everytime someone uses credit)

delicate mortar Mar 7, 2022, 5:42 PM

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Hmm thinking about alternatives but with the current setup separate transfer is the best way

#archienorman - customer balance