#lakshman-payouts
hoary current
yes, are you trying to create a manual payout?
hoary current
this is for setting up manual payouts
and this is how you create a manual payout https://stripe.com/docs/api/payouts/create
wind pollen
in the above there is no option of adding bank account
const payout = await stripe.payouts.create({
amount: 1100,
currency: 'usd',
});
i dont see destination here
can you help me
do i need to create external bank account?
fickle trench
you might, it depends.
can you share some details like the exact error message you're getting or a failed request ID req_xxx?
wind pollen
one sec
{
"error": {
"code": "more_permissions_required",
"message": "The provided key 'sk_live_*********************************************************************************************qpfQmZ' does not have the required permissions for this endpoint on account 'acct_1KVRtPJqHBpxHp4W'. Having more permissions would allow this request to continue.",
"type": "invalid_request_error"
}
}
this is one error
while trying to create external account
and below is another
{
"error": {
"code": "oauth_not_supported",
"message": "This application does not have the required permissions for this endpoint on account 'acct_1LFCHvR6J2gABjWm'.",
"type": "invalid_request_error"
}
}
above is when i tried using standard account id
below is when i tried using express account connected
fickle trench
yep, you can't do manual payouts on a Standard account.
and you can't add bank account details yourself with the API to Standard or Express accounts; the account holder does that themselves in the Stripe UI.
fickle trench
it's the bank account used for payouts.
fickle trench
For Standard/Express accounts the account holder adds that themselves in the Stripe UI, you as the platform do not do that for them and you can't read the details of that API. For Custom accounts(which you likely do not want to use), you as the platform would collect bank account info and use that API to add it to the connected accounts.
wind pollen
like i have seller and buyer
fickle trench
how do i manage those
you'd start by overall reading the Connect docs and understanding the various account types and integration options
wind pollen
i have been reading from last few days
but i was not clear
my usecase is
i have sellers and buyers
and i am the dev account holder
buyers will pay
and i need to send payout to seller
all this to be done using API automatically
fickle trench
sounds good
what's your specific question?
overall this is the guide I would use : https://stripe.com/docs/connect/collect-then-transfer-guide
it covers creating an Express account (the account holder sets up their details like payout account and legally required identity verification information on a Stripe UI) and then processing a payment, sending some of the money to the Express account. The money from the charge can be paid out to the Express account's bank account after a few days.
wind pollen
each seller should go through verification using stripe UI?
fickle trench
yes
wind pollen
we cant create external accounts and payout to that?
fickle trench
are you asking can you skip the legally required KYC process of collecting identity verification for people you are sending money to and just pay to their bank accounts? No, that's not possible.
https://support.stripe.com/questions/know-your-customer-obligations + https://support.stripe.com/questions/know-your-customer-(kyc)-requirements-for-connected-accounts
(Express is the easiest way to onboard an entity like a seller the correct way)
wind pollen
express account is already setup
to create external account using express connected account
fickle trench
to create external account using express connected account
I'm sorry, is that a question?
fickle trench
For Standard/Express accounts the account holder adds that themselves in the Stripe UI, you as the platform do not do that for them and you can't read the details of that API.
i.e. part of creating an Express account is you redirect the seller to a Stripe-hosted onboarding UI, and in that UI they enter their payout details.
wind pollen
const bankAccount = await stripe.accounts.createExternalAccount(
'acct_1032D82eZvKYlo2C',
{
external_account: 'btok_1LFGSZ2eZvKYlo2CzXaJnI7A',
}
);
if its custom account can i do using API?
fickle trench
yes
but most platforms don't want to use Custom as it's a lot of work and requires a large and experienced development team to implement with successfully, so I'd recommend our canonical guide https://stripe.com/docs/connect/collect-then-transfer-guide that uses Expess
wind pollen
IN THIS ITS ASKING TO ENTER REDIRECT URL
i am on application not website
how can i do that
fickle trench
you need a backend server to implement Connect, so you need some form of website. Usually what people do is that set the redirect URL to a URL on your web server which then redirects to a custom URL scheme like a myapp://account-onboarded that your app is set up to work with, like deep links in Android etc
wind pollen
no other solution?
do you have sample code?
one express account is connected already
can we use it to create others using api?
fickle trench
no other solution?
for redirecting to the app from the Stripe onboarding? I'm not aware of another solution.
fickle trench
do you have sample code?
should be plenty linked from that guide page I shared, I don't think we have something specifically for the custom redirect part but it's more of a general app development thing than Stripe-specific.
fickle trench
can we use it to create others using api?
not sure what that means but I think the answer is no
wind pollen
you are saying each seller should create an express account?
example if seller has multiple customers and need to send money to those customers
how is it possible?
fickle trench
you are saying each seller should create an express account?
yep! I said that earlier too
fickle trench
example if seller has multiple customers and need to send money to those custome...
I don't understand. A customer is not someone who recieves money, it's someone who pays money to a seller?
the only people who need Express accounts are anyone who will receive money (like the seller selling an item getting the money that was paid). People just paying money(like customers) don't need Stripe accounts or anything, they just pay.
fickle trench
what's the question @wind pollen ?
wind pollen
const bankAccount = await stripe.customers.createSource(
'cus_9utnxg47pWjV1e',
{source: 'btok_1LFH5I2eZvKYlo2Cutv6zIok'}
);
whats this?