#lmdad-support

1 messages · Page 1 of 1 (latest)

arctic abyss
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Hello 👋
What's your question?

left cove
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So essentially we want to make a payment from our platform account (UK) into to a connect account (US based)
On the dashboard, there is the 'Add funds' option but it is greyed out because the connect account is in a different country
The link in that error pointed to the documentation where it advised creating a destination charge
I created a destination charge but the Payment Intent is incomplete because the payment method hasn't been provided. I understand because I did not set the customer object. I want the payment to come from our platform account

arctic abyss
left cove
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Our developer tried this but it doesn't work since its a cross border payout

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We are in the UK, the connect account is in the US

arctic abyss
left cove
arctic abyss
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Yup

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It won't work

left cove
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Is there any way around this?

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Our developer suggested something hacky

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But wanted to check if there's anything else before we try this

arctic abyss
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Yeah I'm not super sure about that
You'd likely want to chat with our support to see if there are any alternatives
I would suggest you reach out to our support about that
https://support.stripe.com/?contact=true

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.

left cove
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I asked them, but honestly I find the developers more helpfu;

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They couldn't recommend anything

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Can I get your thoughts on this hacky solution

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We're thinking about?

arctic abyss
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sure

left cove
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So, we're thinking:

  1. Create a product under the Stripe connect account (US)
  2. Create a payment link for this product
  3. We use our business card to pay for the product
  4. Their connect account is now funded
  5. We trigger a manual payout from this connect account to their bank

Thoughts?

arctic abyss
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Apologies I'm not super sure this would work
@wheat perch can you help?

wheat perch
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Looking 👀

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So, this flow is fine with a destination charge where you specify the settle merchant as the connected US account

left cove
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Our platform account is based in the UK

wheat perch
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But no you cannot just transfer to another region like that

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Yes, this is why you need to specify the US connected account as the settlement merchant

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Otherwise you can't transfer to them outside your region

left cove
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To be clear, we want a payment to go from our platform account to the connect account

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Platform account being in the UK to connect account being in the US

wheat perch
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Yes, that is only possible using a destination charge with on_behalf_of to indicate the settlement merchant

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Otherwise, the regional limitations of separate transfers are going to constrain you:
https://stripe.com/docs/connect/charges-transfers

Stripe supports separate charges and transfers in the following regions: Australia, Brazil, Canada, Europe, Japan, Malaysia, New Zealand, Singapore, and the U.S. Separate charges and transfers are supported if both your platform and the connected account are in the same region (for example, both in Australia). For cross-region support, see the cross-border transfers docs.

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That means within those regions, and the scenario you describe crosses regions (europe to US)

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So it can only be done with on_behalf_of -- note that this requires the connected account to have the card_payments capability

left cove
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Ah I see

So, we can initiate a destination charge with on_behalf_of where we specify our platform account (UK) as the settlement merchant. The funds will then appear in their connect account (based in the US)?

left cove
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yup so this is in place

wheat perch
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OK and have you tried the payment this way?

left cove
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Payment?

I haven't tried your proposal of on_behalf_of

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So, we can initiate a destination charge with on_behalf_of where we specify our platform account (UK) as the settlement merchant. The funds will then appear in their connect account (based in the US)?

Can you confirm this? If so, I'll try it now

wheat perch
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No, the opposite

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the US account is the destination account and the settlement merchant

left cove
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Okay, I'll have a read

wheat perch
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and ensure you use on_behalf_of with the connected account

left cove
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But good to know that it's possible

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Okay, so we initiate the destination charge. But how can we set it so that the funds come from our platform connect account?

wheat perch
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What do you mean?

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It's a payment, the funds from from the customer, are automatically transferred to the connected account, and you optionally collect a platform fee

left cove
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Yes, but this is where it's tricky.

We want to be the customer (as a platform account)

wheat perch
left cove
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I know this sounds weird, but essentially we're trying to send a $50 payment from our platform to a connect account

wheat perch
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You can't do that across regions, as explained above

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That would be a pure transfer

left cove
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I see

wheat perch
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You need a US entity to act as platform to transfer to US connected accounts

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There are a number of financial regulations in place imposing these rules

left cove
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Okay,

In that case, how about this:

  1. We create a customer account (UK), add a payment card etc.
  2. We initiate a destination charge using that customer account. We set the on_behalf_of and dest as the connect account in the US

That should work?

wheat perch
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If you have a real UK customer paying for something related to the US account then yes that would work. If what you're suggesting is something different you should probably speak to your legal team to make sure what you do conforms to applicable regulations.