michael.fraser-payout-paid-cross-border | Stripe Developers | Page 1

fair knoll Apr 28, 2022, 3:39 PM

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Hello 👋

unique crater Apr 28, 2022, 3:39 PM

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👋

fair knoll Apr 28, 2022, 3:40 PM

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Give me a moment to take a look

unique crater Apr 28, 2022, 3:40 PM

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This is for a connected account (acct_1Kspk04CjcPbzyRN)

trim rain Apr 28, 2022, 3:50 PM

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Hey there! Stepping in for @fair knoll as they need to step away. Yep the payout delay will be based on the schedule on the Connected Account if you are creating direct charges on that account. You can have funds be available immediately by testing with our test cards here: https://stripe.com/docs/testing#available-balance

Testing

Simulate payments to test your integration.

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There is no extra delay for cross border

unique crater Apr 28, 2022, 3:57 PM

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We're creating a "on behalf of" charge through the platform account to the connected account. Will using the "bypass pending balance" for international make the payout available immediately appear?

trim rain Apr 28, 2022, 4:00 PM

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Yes using that test card will make the balance available immediately in your Connected Account so you can test a payout

unique crater Apr 28, 2022, 4:01 PM

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Thanks! I'll give that a try.

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I see that I have funds available. Now to test the payout handling. 🤞

trim rain Apr 28, 2022, 4:12 PM

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🤞

unique crater Apr 28, 2022, 4:13 PM

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Ok, you've answered my immediate question. I need to work through what's going wrong on my side. I think we can close out this thread. I'll ask more questions as they arise.

trim rain Apr 28, 2022, 4:13 PM

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Good luck and let us know if we can help further!

unique crater Apr 28, 2022, 4:15 PM

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Actually, it looks like my payout create request is being denied for insufficient funds?

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I'm getting an exception "You have insufficient funds in your Stripe account for this transfer. Your ACH balance is too low. You can use the /v1/balance endpoint to view your Stripe balance (for more details, see stripe.com/docs/api#balance)." I'm specifying SourceType = "bank_account" in the create payout request is this where I'm going wrong?

trim rain Apr 28, 2022, 4:20 PM

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Yeah you only use SourceType = "bank_account" if you are accepting ACH payments.

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With card payments you just use the "Card" SourceType

unique crater Apr 28, 2022, 4:22 PM

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Thanks for verifying. When these are automatically scheduled, will we receive separate payout.created/payout.paid events for the different funding sources, similar to manually requesting payouts?

trim rain Apr 28, 2022, 4:23 PM

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Yep

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However if you are using the new ACH integration then that will go into your card balance as well.

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It is only our legacy ACH flow that uses the "Bank_account" balance

unique crater Apr 28, 2022, 4:24 PM

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How about international EFT-like (e.g. BACS & SEPA)?

trim rain Apr 28, 2022, 4:26 PM

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Those all go to Card balance

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The ACH balance is due to some past NACHA regulations

unique crater Apr 28, 2022, 4:27 PM

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That makes perfect sense.

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Thanks! I just got my payout.paid event.. granted, I mishandled on my side.

trim rain Apr 28, 2022, 4:28 PM

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🙂

unique crater Apr 28, 2022, 4:28 PM

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But, that's what testing is for! Thanks for your help, Bismarck!

#michael.fraser-payout-paid-cross-border