masonhale-connect-express | Stripe Developers | Page 1

queen herald Mar 7, 2022, 11:40 PM

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@restive chasm overall that is a correct read. The ways you work around it is to take a bigger fee to make up for those refunds, or you charge the refund separately, say monthly

restive chasm Mar 7, 2022, 11:43 PM

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Thanks @queen herald -- how would I "charge the refund separately?" when I can't make a negative transfer? How would I charge anything?

queen herald Mar 7, 2022, 11:45 PM

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You can use Account Debits for example: https://stripe.com/docs/connect/account-debits
or take a bigger fee on future transactions, or charge them on a monthly fee on their card

restive chasm Mar 7, 2022, 11:47 PM

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@queen herald ok, that's very helpful. I didn't find Account debits in my search. Is there a reason I wouldn't use an Account Debit on a per-refund basis? Why the suggestion to do these monthly instead?

queen herald Mar 7, 2022, 11:48 PM

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Mostly preference really, as you scale, your users might prefer one monthly debit other N debits throughout the month

restive chasm Mar 7, 2022, 11:50 PM

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@queen herald looking at the Account Debit docs I see this warning "Using Account Debits require getting legally binding consent from your connected accounts." How do I go about obtaining that consent? Is it not part of the Stripe account onboarding? If it is separate, how would I affirm to Stripe that I have obtained the required consent?

queen herald Mar 7, 2022, 11:51 PM

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You would collect this yourself. It's the same way as if you collected their card details to debit them. I don't really have specific advice for it beyond that

restive chasm Mar 7, 2022, 11:52 PM

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Their card details are collected via the Stripe onboarding -- we never touched any debit/banking details or approvals related to that information.

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I also see there are additional fees for Account Debits, I will need to do some more digging to figure out the costs of those...

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Thanks for your help.

queen herald Mar 8, 2022, 12:02 AM

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Sure what I meant is that you can collect their card details, save those under a Customer and then charge them monthly

restive chasm Mar 8, 2022, 12:13 AM

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Hmmm... okay. I'm not sure that will work for our customer base (volunteer run youth sports teams) as most don't have a team credit card. But it is an interesting option.

queen herald Mar 8, 2022, 12:14 AM

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yeah usually for those you take a larger fee to cover this and then you take a fee on the next payments otherwise

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Like if they owe you $3 in refunds, instead of taking $1 per charge on the next payment, you take $1.5 until you're "whole"

restive chasm Mar 8, 2022, 12:18 AM

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Ok, I'll think about it. This is all way more complicated than I was hoping it would be...

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Thanks for the help

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