#shiroyasha-transfer-standard
sinful sequoia
You should never be using Transfers to Standard accounts
You likely have the wrong account type. If you use Standard accounts you should be using Direct charges instead, not Destination Charges or Separate Charges and Transfers
uneven laurel
ah ok. i was using express account till now
sinful sequoia
Otherwise you want to read https://stripe.com/docs/connect/charges-transfers#transfer-availability
that lets you create a Transfer but it's pending based on the original Charge's own settlement time
but that's for Custom/Express accounts
sinful sequoia
uneven laurel
thanks a lot for your help
is there a way to "freeze" the money sent on the standard account ?
for exemple i send 10€ now. but they will be available in the standard account balance in X days ? or to a specified date ?
uneven laurel
ok
i can do this with express account if m not wrong
with the "delay_days" paramater that's right ?
static ingot
Hello! Yes, the delay_days parameter defines how long funds are held on the connected account before being paid out: https://stripe.com/docs/api/accounts/update#update_account-settings-payouts-schedule-delay_days
uneven laurel
Hello! Yes, the `delay_days` parameter defines how long funds are held on the c...
thx a lot for your answer. one last question then, what is the best way to collect a customer payment, collect my platform fees and send the rest of money to the connect account ? if m not wrong there is several ways idk what to choose
and it is possible to this directly when the customer payment is verified ? (i mean on a one time function)
static ingot
It depends on your business requirements and what you're trying to build. Have you read through these Connect docs? https://stripe.com/docs/connect/accounts
uneven laurel
yeah. till now we were working (in small scale) with express account. but we tried standard because we thought we dont need all express account functions
our workflow is :
collect payment from a customer
send the money - our fees X days later to our partner (without capture or pre auth)
thing is, we dont to keep signature or charge or smthg. cuz the payment can be in 90 days maximum, or, bank cannot guaranteed fund for that long. sorry if i m not clear and thx for your time again
static ingot
So you want to place a hold on funds for 90 days until your partner delivers the goods/completes the work/provides the service and then move the money from the customer's account to your platform and the connected account?
uneven laurel
almost that. we want to move the money from our platform to our connected account. our customer dont have account
static ingot
To clarify, though, when do you want the customer to be charged? As in when do you want the money to move out of their account and into Stripe?
uneven laurel
yeah sorry i m not clear really. as I said, the best scenario would be to charge the customer few days before the service (for example in 17 days). but, as far as I know, we cant do that in simple way because we cant capture funds more than 7 days. and we dont want to keep signature or smthg from the customer.
So, we want to charge the customer directly, when they pay. then hold the money on our platform (in this example for 17 days) and then send the money - our fees to the connect account. Thx again for your patience 😀
static ingot
Okay, so in an example scenario of a customer paying on the 1st for services that will be rendered on the 17th you want the payment to go immediately to your platform account on the 1st and then later you move the funds to the connected account on the 17th?
uneven laurel
yes
static ingot
So the money would move out of the customer's account to your platform on the 1st, and on the 17th the money would move from your platform to the connected account minus your platform fee?
uneven laurel
yes
static ingot
Have you looked at separate charges and transfers for this? https://stripe.com/docs/connect/charges-transfers
uneven laurel
yeah i know about this. i was just wondering if we can make something less complicated like keep the money from the customer the day they pay and then move the amount minus our fee to a standard account later
static ingot
Separate charges and transfers are how to do this.
Not sure I understand what you mean by less complicated way?
uneven laurel
I mean, koopajah said we should never use transferts to standard account but idk why
static ingot
Oh, you absolutely shouldn't.
Sorry, I thought you were using Express or Custom accounts.
Why are you using Standard accounts for this?
uneven laurel
Because I m wondering why we SHOULD use express account. I mean, it works with standard so why should I use express? (as I said we already test both)
Or maybe I missed smthg XD
static ingot
Standard accounts are designed to be used with direct charges, where the payment objects exist on the Standard accounts themselves and can be managed by the Standard accounts (for handling things like refunds and disputes and whatnot). Express and Custom accounts are designed to be used with destination charges or separate charges and transfers, where the money flows happen mostly on the platform account, and the platform account manages those things.
The reason you should use Express or Custom accounts is that's how it's designed to work, and you're going to run into issues if you try to go against the way things were designed to work.
uneven laurel
Standard accounts are designed to be used with direct charges, where the payment...
OK I understand now. There is a risk to use standard in our case then
Again, we give you our big thanks to you and stripe team for your help and patience! Have a great day/night!