tonyp-connect-sct | Stripe Developers | Page 1

tacit sparrow Jul 12, 2022, 1:58 PM

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Hello 👋
Give me a moment to catch up here and I'll respond as soon as I can 🙂 Thanks

spring ridge Jul 12, 2022, 2:20 PM

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Hi taking over for hanzo as they have to step out. Apologies for the delay! Discord has been super busy today

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Give me a moment to read over your question

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We would like to avoid negative balance on the connected account

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Why would this go negative?

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With Custom accounts the platform should be responsible for the refund

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Just wondering what your current flow looks like (in more detail)

mellow temple Jul 12, 2022, 2:37 PM

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Hi, no problem !

mellow temple Jul 12, 2022, 2:38 PM

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spring ridge Why would this go negative?

with daily payouts, the balance is at 0 from time to time

mellow temple Jul 12, 2022, 2:41 PM

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spring ridge With Custom accounts the platform should be responsible for the refund

If I'm not mistaken, at the moment when we manually refund a payment it is the connected account balance that is affected

spring ridge Jul 12, 2022, 2:43 PM

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It depends how you do it: https://stripe.com/docs/connect/destination-charges#issuing-refunds

Creating destination charges on your platform

With Connect, you can create charges on your platform account, take fees, and then transfer remaining funds to your connected accounts.

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But if you are using destination charges, which is recommended with custom accounts, the platform is responsible

mellow temple Jul 12, 2022, 2:44 PM

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spring ridge Just wondering what your current flow looks like (in more detail)

in our current flow, we're handling refunds manually, so we're just using the payment intent api with the on_behalf_of parameter to handle payments between our b2b clients and their customers

mellow temple Jul 12, 2022, 2:49 PM

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spring ridge But if you are using destination charges, which is recommended with custom accou...

okay, so the only way to "hold" the funds during a certain period of time (to handle refund if needed) is to keep them on our platform account ? and not use the on_behalf_of parameter, but request a transfer to the connected account later on ?

spring ridge Jul 12, 2022, 2:58 PM

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You could do it that way, or you could just switch to manual payouts on the connected account or increase the automatic payout interval and hold funds for longer

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Depends on if you need on_behalf_of or not

mellow temple Jul 12, 2022, 3:07 PM

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I see, but manual payouts and increasing payouts interval are not options for us, so I guess we'll go for that

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I saw also this : https://stripe.com/docs/charges/placing-a-hold
but the hold is only for 7 days, and we could have payments more than 7 days ahead

Placing a hold on a card

spring ridge Jul 12, 2022, 3:16 PM

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The best thing to do in this situation is to just ensure you have enough balance in the accounts. And, if there's not enough balance to initiate the refund, you can always retry later once you have enough balance

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But I recommend reading this: https://stripe.com/docs/refunds

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Refunds can have a pending status

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As long as you're okay for the delay due to insufficient balance there shouldn't be an issue with your current flow

mellow temple Jul 12, 2022, 3:19 PM

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Alright, I'll dig into that

#tonyp-connect-sct