xfechx-xborder-connect | Stripe Developers | Page 1

dark moth May 25, 2022, 11:28 AM

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Hey, what's the Q?

proud narwhal May 25, 2022, 11:29 AM

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How to enable a CA platform to send funds to a AU connected account

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(standard connected account)

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how to enable the transfers

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I am able to do this with AU -> AU accounts

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but not CA -> AU accounts

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``
transfers_not_allowed
Funds can't be sent to accounts located in AU because it's restricted outside of your platform's region; please contact us via https://support.stripe.com/contact for details.

Was this useful?

Yes

No``

dark moth May 25, 2022, 11:32 AM

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You can't: https://stripe.com/docs/connect/account-capabilities#transfers-cross-border

Account capabilities

Learn about capabilities you can enable for accounts and the requirements you must satisfy to use them.

proud narwhal May 25, 2022, 11:34 AM

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i just spoke to a support person and they said yes

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so please get the info consistent accross your support people

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otherwise it is a waste of our time

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(everyone)

dark moth May 25, 2022, 11:34 AM

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Yup, sorry about that. But it's clearly stated in the documentation there

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You'd need a AU account to enable that flow of funds

proud narwhal May 25, 2022, 11:35 AM

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i have a AU account

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i think you didnt read properly

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can you go back and read the question again please

dark moth May 25, 2022, 11:35 AM

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I did, you want to transfer from a CA platform to an AU connected account

proud narwhal May 25, 2022, 11:35 AM

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yes

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so I have a connected AU account

dark moth May 25, 2022, 11:36 AM

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It's not possible

proud narwhal May 25, 2022, 11:36 AM

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not sure what is your requirement

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why is it not possible?

dark moth May 25, 2022, 11:36 AM

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You can only transfer to an AU connected account from an AU platform

proud narwhal May 25, 2022, 11:36 AM

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how to send funds then, if not via transfer?

dark moth May 25, 2022, 11:37 AM

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You'd need to onboard those AU accounts to an AU platform

proud narwhal May 25, 2022, 11:37 AM

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can the AU platform do direct debit to a CA connected account?

dark moth May 25, 2022, 11:38 AM

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They cannot, no

proud narwhal May 25, 2022, 11:39 AM

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The link you send doesn't mention that limitation

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where can I read about it?

dark moth May 25, 2022, 11:40 AM

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Moving money across country borders introduces additional requirements and is only supported in the following scenarios:

EU platforms sending funds to SEPA countries, other than the United Kingdom (GB).

US platforms sending funds to cross-border payouts destinations using a recipient service agreement.

If you’re not covered by these scenarios, create a platform account in that same region and onboard accounts to that account. Depending on your business structure, this might require creating a legal entity in that region and additional work to onboard users to the new platform account.
https://stripe.com/docs/connect/account-capabilities#transfers-cross-border

Account capabilities

Learn about capabilities you can enable for accounts and the requirements you must satisfy to use them.

proud narwhal May 25, 2022, 11:41 AM

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I do not have a business in Canada though

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is it still possible to create a canadian Stripe account?

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without a registered business there?

dark moth May 25, 2022, 11:43 AM

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Generally you need a business entity in the locality of your Stripe account, yes

proud narwhal May 25, 2022, 11:43 AM

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What about destination charges?

dark moth May 25, 2022, 11:43 AM

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What are you actually trying to do?

proud narwhal May 25, 2022, 11:43 AM

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transfer funds from a CA to AU account

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or charge the CA from the AU account

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receive app fees to AU account, from a CA account

dark moth May 25, 2022, 11:44 AM

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You can't do cross-border transfers and you can't do account debits cross-border either

proud narwhal May 25, 2022, 11:45 AM

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I have, in the past

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collected fees from a connected MX account to a AU platform

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so I don't think that is true

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I think we need to speak to someone else

dark moth May 25, 2022, 11:47 AM

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What is 'collected fees' in that instance?

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You can do that with destination charges, sure

proud narwhal May 25, 2022, 11:47 AM

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so, i just said that and you said no

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so please get the info right?

dark moth May 25, 2022, 11:48 AM

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I didn't say no. I said you can't do cross-border transfers or cross-border account debits

proud narwhal May 25, 2022, 11:48 AM

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I asked about destination charges, I am able to do this for cross-border accounts yes?

dark moth May 25, 2022, 11:48 AM

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A destination charge is completely separate

proud narwhal May 25, 2022, 11:49 AM

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proud narwhal What about destination charges?

here

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ok, for a destination charge a customer card needs to be present , right?

dark moth May 25, 2022, 11:50 AM

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I see that, yep. But then you mentioned transfers again which is a completely separate

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To confirm, you have an AU platform right?

proud narwhal May 25, 2022, 11:51 AM

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yes

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I need a way of charging fees to a CA connected account

dark moth May 25, 2022, 11:52 AM

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You should be able to do destination charges with OBO from your AU platform with a CA connected account, yep

proud narwhal May 25, 2022, 11:52 AM

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OBO ?

dark moth May 25, 2022, 11:53 AM

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https://stripe.com/docs/api/payment_intents/object#payment_intent_object-on_behalf_of

Stripe API reference – The PaymentIntent object – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

proud narwhal May 25, 2022, 11:54 AM

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can this be asynchronous?

dark moth May 25, 2022, 11:56 AM

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What do you mean by asynchronous? In what regard?

proud narwhal May 25, 2022, 11:56 AM

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Like not instantly when the charge is made, but afterwards

ocean quest May 25, 2022, 12:03 PM

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the transfer can be done later but you have to decide on the on_behalf_of at the time of creating the payment

proud narwhal May 25, 2022, 12:10 PM

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ok, I just want to triple check that I am not able to do transfers between AU -> CA and viceversa

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only with a US account, correct?

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only with US account I could do intl. transfers (xborder-transfer) ?

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because a person in the support chat confirmed it was possible

ocean quest May 25, 2022, 12:13 PM

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proud narwhal ok, I just want to triple check that I am not able to do transfers between AU ->...

yes

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https://stripe.com/docs/connect/account-capabilities#transfers-cross-border

Account capabilities

Learn about capabilities you can enable for accounts and the requirements you must satisfy to use them.

ocean quest May 25, 2022, 12:14 PM

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proud narwhal only with US account I could do intl. transfers (xborder-transfer) ?

that's the second bullet point in the doc screenshot above

proud narwhal May 25, 2022, 12:14 PM

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can I open a US account if I don't live there?

ocean quest May 25, 2022, 12:15 PM

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you need a legal entity to be able to activate the account and go live with it

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maybe you could look into Stripe Atlas

proud narwhal May 25, 2022, 12:24 PM

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can I use Atlas with a pre-existing Stripe account? it is asking me again for email and pswd

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and my current stripe account already has many sub accounts in Stripe

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as in admin access

ocean quest May 25, 2022, 12:30 PM

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no idea I'm afraid

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this is API/developer support, not account support

proud narwhal May 25, 2022, 12:34 PM

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ok, so I provide an app to a customer based in Canada, and the app takes fees per transaction, in some scenarios it collects fees and sends them to a connected account when balance.available. In this case I will need to charge my client's card when balance.available depending on the saved fees. How can I catch the Specific error for when a transfer is not allowed?

ocean quest May 25, 2022, 12:43 PM

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you could use a try/catch and look for the transfers_not_allowed error code

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