Money Flow Integration with STRIPE - node.js

Using Stripe Top Up API to transfer money from Bank to Stripe Dashboard account and Stripe Transfer API to transfer those into connected account.
I have tried to Top Up directly on Stripe Dashboard and it was successfully created. When i tried with Top Up API it returns like this.No Source Image.
I also tried the source from Stripe Dashboard ( Which was created when i tried to top up directly from Stripe ) but its not working too. My project setting is for JPY (Japanese Yen ) so the testing token they provided on Stripe Document is not helping at all.Stripe Testing Token. I also tried change **us **to **jpy **but not working as well us To jpy token.
Can someone explain to me how to use this Stripe Top Up API ? and how to attach the defauly payment like from card or bank into source too ? Thanks

The Top Up API : https://stripe.com/docs/api/topups does not work for Japan Stripe Accounts. You can only Top Up via the Dashboard.

Related

Stripe subscription with Apple Pay

I’m trying to setup a payment method for a subscription on mobile with flutter and .net as backend.
For that here is my flow :
I create a customer and a SetupIntent backend side
I send the details to flutter and it present the payment sheet to customer letting him choose Apple Pay as a payment method
when SetupIntent is completed mobile side I’m listening for it on web-hook backend side and I create the subscription with a trial period and the SetupIntent Id just created.
It works pretty well but I have a problem with apple validation.
When customer choose Apple Pay as a payment method It display « amount pending » instead of the subscription plan price and recurrence. Which is normal since I didn’t create the subscription at this step. But it’s rejected by Apple.
I checked the SetupIntent to see if I can attach a subscription to it to let the pricing appear but it seems not.
I checked the doc and the only sample I see is related to checkout portal but I want to use the element payment sheet to the customer.
As you can see in the Apple guide it should be display like the first screenshot of this page : https://developer.apple.com/design/human-interface-guidelines/apple-pay/overview/subscriptions-and-donations/
Does anyone know how to achieve this ?

Plaid + Stripe ACH (Developer Mode): Do I need to use a stripe production key

Short story, I am able to successfully use the Plaid API (connected to my stripe account) to get a stripe bank token in sandbox mode.
From there, I can add that bank token to a customers profile in my stripe account (again in test mode).
Now I'm trying to use the plaid developer key instead of sandbox. I'm able to verify my real world bank account via plaid and get a bank token back, but when i try to add that token to my stripe account I get the following error:
Invalid Request: No such token: 'btok_xxxxxxxxxxxDequ'; a similar object exists in live mode, but a test mode key was used to make this request.
This seems to indicate when calling the Stripe API I need to use the production stripe key instead of the test key.
Since stripe doesn't have a "developer" mode like plaid, my question is what happens if I do this? Does the bank account get added to a real customer account (I assume it does).
AND if I attempt to make a charge using this bank token I got back from plaid via developer mode, will this make an actual charge in stripe? or does stripe know the difference and not make an actual charge (withdrawal) for my bank account?
I tried to go through plaid documentation, but there is very little information I could extract about the developer mode.
Thank you for any help you guys can provide.

Stripe Onboarding and external accounts

I am using Stripe Onboarding on my marketplace to ease the process of getting my customers info (custom accounts). But it does not ask the user his external (bank) account information so payouts stay disabled. Is it normal ?
I am using:
type: 'custom_account_verification',
collect: 'eventually_due',
using the other type does not change anything
Stripe does not collect external account information (bank account or debit card) today in the Hosted Onboarding page. They focus on collecting personal information about the owner(s) of the account/company.
Today, you need to collect this information separately on your website. The easiest solution is to collect bank account details and tokenize this client-side with Stripe.js and then create an external account server-side via the API.
Just for reference Stripe is partnering with Plaid for this.
https://stripe.com/docs/ach#using-plaid
https://plaid.com/docs/stripe/

Connect "Stripe Connect" with the Telegram Payment API

How can I use Stripe Connect, let's say to create a "Direct Charge", while sending an Invoice on the Telegram Payment API?
The Telegram API seems to only allow for a "provider_token", I see no further details for the Stripe API, like the required "stripe_account" property for direct charges.
I guess Telegram itself uses Stripe Connect to charge on the users behalf... But that doesn't seem to have stopped this guy from doing something very similar:
https://www.reddit.com/r/TelegramBots/comments/6f6b4z/telepay_a_bot_that_enables_instant_and_secure/
He uses express accounts, but the fundamental problem of not being able to speak to stripe directly seems to be the same.
Thanks :)
You're correct about the Telegram API: there is no way to create a direct charge to a connected Stripe account when receiving payments through Telegram. But there are workarounds. I'm the author of the bot you linked; here's how I managed to move funds from my account to a connected Stripe account via Telegram.
Firstly, you need to accept the payment as usual (e.g. follow the normal sendInvoice flow). For my purposes, I made the payload parameter the ID of the user that is being sent the money (it's later matched with the Stripe account ID in the database, but you can do this however you want). The rest is out of scope of the question, so I won't describe this process in detail; Telegram has a very nice guide on it.
Once you receive the successful_payment event from the Telegram API, you can then transfer the money from your own Stripe account to the linked Stripe account using the Stripe Connect transfers endpoint, but be careful: it doesn't give you the amount that was given to your own Stripe balance (taking fees into account), so you will need to calculate that yourself. Depending on your account, it would look something like this for JavaScript: payment.total_amount - Math.round(payment.total_amount * 0.029 + 30).
After you've transfered the money to their account, you can perform a payout as usual with the payouts Stripe Connect endpoint.
But note that this is just one example; you can use all of the Stripe Connect APIs with this. In fact, you probably have even more flexibility with this, since the funds hit your Stripe account before they reach the connected account's, so you can do whatever you want with them :)
So, TL;DR: Once you've received the successful_payment from Telegram, transfer the money to the connected Stripe account, then perform a payout on it.

Is that possible to pay someone using their registered Email ID on STRIPE

i m building a online selling store like ebay and I want to pay sellers by using their registered STRIPE email ID (foobar#example.com) (like paypal do so) without connecting him/her in my stripe platform .
Remember I want pay seller using his stripe Email Id not stripe account Id which looks like acct_123dsfg****
if you know how to do that please let me Know :) Thanks
Using stripe gateway you can pay your seller's by following 2 methods only:
1) Seller can configure their stripe account from store dashboard (by adding their publishable key and secret key) and site admin transfer the appropriate amount into seller account.
2) Using stripe connect ( https://stripe.com/docs/connect ).
I think currently stripe do not provide any such functionality that you can pay your seller's using their stripe email id only.

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