#Shimaa-connect

1 messages · Page 1 of 1 (latest)

fierce lichen
gusty pumice
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yes

brazen harbor
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The problem here is that i cannot debit an account in a different country or different currency .How can i debit these accounts ?
You can't right now

gusty pumice
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thanks for your help.

gusty pumice
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@narrow pawn this is my question

brazen harbor
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How can we debit funds from the bank account linked to an Express account in the USA. Our account is based in the UK. If this is not possible can you please advise by what other mechanism we can debit funds from an Express accountholder in the USA. @gusty pumice for visibility.

narrow pawn
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Hi Ynnoj, thanks for the quick reply

brazen harbor
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What's the actual scenario you're accounting for?

narrow pawn
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OK so we have an Express account in the USA.

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She has had a customer challenge a charge by mistake. As per every dispute, the customer has won this and we have been debited for the charge, and an admin fee.

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Our agreement with the customer is that they pay this

brazen harbor
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Can you share a payment ID?

narrow pawn
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pi_3KYJFuAsUHpP4Znk0aaTmOfF

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But it seems no matter which we we try to debit this from the customer, we hit a brick wall technically.

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They haven't added a debit card, as we charge our clients by application fees, and we don't want to have to ask them to add this, so we can debit them. So we're looking for a cleaner solution to recoup this money.

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Can you help with that please?

brazen harbor
narrow pawn
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If this transfer has been disputed and the funds already taken back to the original customer, how can we reverse it

brazen harbor
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I don't understand? The balance ($23.47) sent to the connected account as a part of the charge has not been reversed

narrow pawn
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Just in case I'm explaining badly.

ClassFit - We are the platform
Teacher - We have a customer - yoga teacher
Student - They have a customer who goes to the class and pays for this through our platform

  • Student has booked, paid for and gone to a class.
  • Student has challenged the fee later with their bank (in error)
  • These disputes are ALWAYS won by the disputer, regardless of evidence provided
  • The disputer gets their fees back from us, the platform.
  • The teacher keeps their original fees.
  • We end up paying for this student's class and lose our money.
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We've had this happen several times now.

brazen harbor
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Yes, and I'm saying you reverse the transfer that the platform sent to the 'teacher' as part of the original charge

narrow pawn
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I asked this question before and I was told this wouldn't work :S

brazen harbor
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If the disputed payment was created through the platform using destination charges or separate charges and transfers with or without on_behalf_of, the platform account is automatically debited for the disputed amount and fee. When this happens, the platform can attempt to recover funds from the connected account by reversing the transfer either through the Dashboard or by creating a transfer reversal.

narrow pawn
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If it does then it's a much better solution than I was originally offered

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However, it doesn't account for the "bank admin" fee which we also lose, so we'd still be looking to recover that if possible?

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Also I can't see any option to reverse the dispute, can you tell me where I'd find that please?

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brazen harbor
narrow pawn
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Thanks for this. I've just reversed that. Are you able to confirm those funds will come back to us?

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As for the bank admin fee. Often the actual fee in dispute is like $5-10, and the admin fee is actually more. Do you have a way of us recovering this from the teacher, or updating settings so they are responsible for paying it rather than us?

brazen harbor
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Yeah I'm not sure how you can recoup that

narrow pawn
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It seems to suck that ClassFit is responsible for paying for a dispute between 2 non-classfit parties. Especially given we've uploaded email transcripts of clients saying they opened the dispute in error and still lost.

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It's just a black hole for money.

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Is there no mechanism to transfer funds from express account to platform - seems like this would exist through a payment platform?

brazen harbor
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You as the platform, and merchant of record, are responsible for disputes. That's just how it works

brazen harbor
narrow pawn
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Is there a plan to overcome those regional limitations, or any workaround we can apply?

brazen harbor
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Not that I'm aware of currently

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Out of interest, why did you not submit evidence to counter the dispute claim?

narrow pawn
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because we've done this 4 or 5 times now

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Each time spending hours going back and forth with each party

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Getting "Slam dunk" evidence, i.e. the disputer saying on email "oh this was my mistake, I did go to the class" and we lot every single one still

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This has been with various banks

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So the time cost vs the likelihood of success has shown to be just not worth it.

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I.e. clearly nobody actually looks at the evidence.

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And there is no contact process either.

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So to recap

  • we can reverse transfer at any time to recoup the disputed funds. Geography doesn't matter here.
  • There isn't much we can do about the dispute admin fee for the foreseeable future.

Correct?

brazen harbor
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we can reverse transfer at any time to recoup the disputed funds. Geography doesn't matter here.
Correct!
There isn't much we can do about the dispute admin fee for the foreseeable future.
AFAIK, yes. But support might have a better idea (we don't really know about disputes here): https://support.stripe.com/contact

Stripe: Help & Support

Find help and support for Stripe. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

narrow pawn
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OK perfect, thanks for your help.