I want to create a system in bubble.io app with stripe, in which:
the customer while purchasing products will pay though their credit balance but the invoice should not generate (or without invoice).
if it possible, then how? and if not then:
customer should transfer money to stripe platform balance and whenever they make a purchase the money should transfer from stripe platform balance to the seller.
any solution?
The customer's credit balance automatically applies toward the next invoice of the customer. So if you are not using invoices, it won't work. The alternative is to keep track of the customer's balance on your end, and change the amount they need to pay accordingly.
If you want the platform account to charge the customer, and then later send the funds to the connected account(s), then you should use separate charges & transfers.
Related
Pretty new to Stripe, we're building an online marketplace. Each user can buy assets from any other user. We also take fees for each payment.
We go with connected accounts. Seller goes through the onboarding flow (create connected account, create account link etc), while buyer is registered as a customer of our platform on Stripe.
Now, whenever buyer makes a payment we create a payment intent to pay to us (amount + 20% fee via):
stripe.paymentIntents.create(params)
Then we create new payout to seller (amount) using source transaction from payment intent above:
await stripe.transfers.create({
amount: payment.amount * 100,
currency: payment.currency,
destination: seller.stripeAccountId,
source_transaction: sourceTransaction,
});
Is this the preferred and best way of handling this? In terms of time, we need first to wait for payment to settle to our bank account to be able to payout seller?
Is there any better way of doing this instead of manual payouts?
Is there a way to make direct transfer to connected account when user does payment?
I tried with payment intent, specifying connected account id in request, but API is complaining that customer id is on our platform but account id is specified, so it's not possible obviously.
Also, manual payouts would come handy to simulate payment escrow/deposit. When user create a request for some asset, we would immediately transfer certain amount to our account, like reserving that amount. And if the seller accepts the offer, we would do a payout. If seller rejects the offer, we would do payout to the buyer, giving him back his money.
Does this make sense?
Thanks in advance
You don't need Payout (yet) in your use case. You are doing Separate Charges and Transfers, and fund simply moves from your Account's balance to Connected Account's balance. It hasn't been out of your Connected Account's balance to your Connected Account's bank account yet, which is called "Payout".
In another word, Payout is separated process than Charges and Transfers. Charges and Transfers can happen immediately, and Payouts normally happen later on a daily basis or manually.
Find more explanation on Connect Balance.
There is also Destination Charge which is simpler than Separate Charges and Transfers. I recommend Destination Charge unless you have specific reason to use Separate Charges and Transfers, ie. you need to transfer to multiple Connected Accounts on one payment.
I'm trying to model a Stripe subscription where the collection method is send_invoice. However, I want to allow the customer to choose the amount they pay (ad-hoc, I believe its called), and then mark the invoice as paid when the total balance is received.
I can see that this is an option for ACH credit payments but only to handle mistakes from the customer. Is there any way to enable this for card payments on invoices too?
This isn't possible using Stripe out of the box. The Stripe hosted form for an Invoice does not allow the customer to input an amount of their choice. The amount listed on the Invoice is based on the parameters provided when creating the Invoice via the API.
You would need to create your own recurring logic to do the following as long as the full amount is not yet paid :
Get the ad-hoc amount your customer would like to pay. This would have to be via your own custom created form
Then create an Invoice for that ad-hoc amount
You would use webhooks to listen for the invoice.paid event to verify that the invoice is paid successfully. From the event details, you can retrieve the Invoice details and “link” it to the amount owed in the database for that customer.
Calculate the amount left unpaid
Example - I have a customer that owes me $100
Ask the customer how much they would like to pay. Customer decides that they want to pay $10.
Create an Invoice for $10.
After the invoice is successfully paid. Tie the Invoice details to the amount owed in the database.
Calculate the amount left.
Since there is still $90 left,
Ask the customer how much they would like to pay. Customer decides that they want to pay $90.
Create an Invoice for $90.
After the invoice is successfully paid. Tie the Invoice details to the amount owed in the database.
Calculate the amount left.
Mark the amount as fully paid in your database.
When I send an Invoice to a Customer by email, customer is able open an Invoice, but it's not possible to pay with credit card, so, this invoice seems like useless at all, because there is no option to pay it.
Some our customers can connect bank account, but by default all customers have to be able to pay with credit card.
We don't need to store customers' cards on our side, just allow to use cards.
What is easiest way to allow using credit cards for a customer? I see different options in Stripe doc:
Create PaymentMethod, then set invoice_settings.default_payment_method for a Customer
Create Sources, then set it to Customer.default_source.
But I'm not sure if it's possible to create payment method or source without card details.
There is a chance that our Stripe account is configured incorrectly, not sure what exactly I have to check.
I have a Stripe checkout page (https://stripe.com/docs/payments/accept-a-payment?integration=checkout) where customers can pay to providers. When I make a test payment, the money appears on the connected account's balance as Total balance, but it's not available to pay out (so Available to pay out amount is 0).
How can I make the money available?
Use the 4000000000000077 test card and the funds from any charges made on that test card will be immediately available.
https://stripe.com/docs/testing#cards-responses
I am using Stripe for online payments but also users can pay offline (cash or check). I want to centralize all my invoices/charges in one place (Stripe).
I am not sure if I can add offline payments (cash or check) to stripe or not. I guess I can if I created customers, invoices, charges with livemode=false for my live keys.
Is this feasible and will Stripe accept having some (customers, invoices and charges) with livemode=false and others with livemode=true?
If yes, should I fill fake credit card info or should I set it as nil?
Stripe does not allow you to create a Subscription on a Customer if you don't have a credit card setup. More accurately, it does not allow you to create a subscription if a customer does not have a way to pay for the next invoice. So for offline payments, you could update the 'account_balance' on the customer to have a negative value equal to the amount the customer wired (credits). Stripe will then allow you to create a subscription for the customer because it knows that the customer has enough account balance to pay for the next invoice. This post has more details.
We don't currently support offline payments, so you'll want to look at a separate accounting system for those payments.
That said, it's totally understandable that you'd want to keep this data in one place. You might be interested in using our webhooks system to offer live updates to your accounting system without directly touching the code that creates the charge in Stripe.