#TAndre-connect

1 messages · Page 1 of 1 (latest)

swift aurora
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Hi! You want to send funds from your platform account to a connected account?

rancid mica
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Hi, I want to add funds to a connected account but don't use my platform balance

swift aurora
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So you want to use the connected account's external accounts to add the funds?

rancid mica
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yes

swift aurora
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And what type of connected account do you have? Standard, Express, or Custom?

rancid mica
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Custom

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I need to organize a refund payment, but payout revers have a limitation for 90days. So, I found the TopUps and try to use it, but have the error "Cannot create top-ups on behalf of another account."

swift aurora
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Yes I don't think it's possible to add founds to a connected account using its own external account.

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I need to organize a refund payment, but payout revers have a limitation for 90days.
Can you clarify what you are trying to do?

rancid mica
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I use header stripe-accout

resolve(StripeClient::class)->topups->create([
'amount' => $amount,
'currency' => CurrencyEnum::DEFAULT,
'source' => 'ba_1KjO0NQKX83ukrGDKCvxsnCY',
], [
'stripe_account' => 'acct_1KjNxKQKX83ukrGD',
])

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Or maybe you have a solution - how to organize a refund payment after 90days

swift aurora
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how to organize a refund payment after 90days
Can you clarify this, maybe with a concrete example? I'm not sure I understand.

rancid mica
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So,
I have connectAccount with two or more external accounts. Then I charge the customer by ACH -> send to connect balance - > manually payout to second external account.

After some time needs do refund. So I planig do reverse payout, reverse transfer and refund charge.

But reverse payout have limitation https://stripe.com/docs/connect/payout-reversals#requirements

Payout reversals

Learn how to reverse a payout sent to a connected account.

swift aurora
#

Got it. So after 90 days you are worried that the connected account won't have enough funds to actually do the refund. And you cannot reverse the payout.

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If you are using custom accounts, then ultimately the platform is responsible for the refunds. So that's something that you'll have to manage on your end. For example by keeping track of how much each connected account owns you (due to refunds), and so next time there's a payment, you keep a larger share of the amount to compensate for this.

rancid mica
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yes, but its will be work correctly if connect will be have only one external account. But in my case connect have two external accounts, so very important that payments of category 1 go to external account 1 and payments of category 2 go to external account 2. And if user try do refund payment of category 2 then needs use funds only from external account 2

swift aurora
#

So if I understand correctly: you do a payment, send the money to the connected account, then do a manual payout to external account A. Later if you need to do a refund you want to take the money from external account A (and nowhere else)?

rancid mica
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yes

swift aurora
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And you do the manual payout right away? You don' hold the funds for a while to be able to handle refunds?

rancid mica
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yes, I check when will be available funds and do the manual payout

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so every payment has a payout

swift aurora
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Then I would recommend to wait before doing the payout. This way the connected account always has some available balance that you can use for refunds.