Stripe Marketplace Plugin - Payment intents & Transfers

[wellspeterson9]

Hello,

I’m currently trying to create a transfer within a payment intent charge (via source_group / source_transaction) to avoid the "insufficient balance’ error for our users.

I understand that the typical transfer depends on how much of the Stripe balance is available. However, my goal is to tie the Transfer to the release of funds associated with a payment already made, if that makes sense. ( node.js - Stripe - Where to get source_transaction id when making transfer? - Stack Overflow )

The way things are currently running: A seller will complete the transaction and then, upon capture, the payment intent’s money goes to my platforms Stripe account. Then, the workflow will transfer the owed amount to the seller, which in turn causes the Transfer to depend on my available balance. My goal is to somehow include the Transfer within the payments intent charge. I believe this is possible by tying everything together in a transfer group? I’m not too familiar with transfer groups, but I really would like to have this issue solved.

Looking forward to hearing back. Thanks!

[Serg]

Hi @wellspeterson9, thanks for reaching out.

As the described use case is pretty complex, to avoid any wrong understanding from our side, would it be convenient to share a graphic or step-by-step representation of the desired flow?

It will allow us to understand if current plugin functionality may serve your project requirements.

Looking forward to your reply.

Regards,

[wellspeterson9]

Thanks for getting back to me Serg! Hmm. A graphic or step by step? I’ll try to explain further.

An overview: So I’m building a marketplace for barbers and their clients. We help barbers manage their appointments and payments. So, when a barber ‘completes’ the appointment via our app, that’s when the transaction takes place.

Current active workflow

My goal is to have the Transfer tied to the Payment Intent, so that the Transfer pulls from the Payment Intent’s charge, and not my Stripe’s available balance. Currently, I don’t know how to do this, but I believe with the plugins functionality, it’s possible!

To explain why it may seem complex: Originally, my payment structure workflow involved having clients (when signing up) inputting their CC info for later use via my platforms form.

After this, I realized that any incorrect inputs for their CC wouldn’t be 100% securely saved for our users. To fix this, I switched to sending the users to Stripe’s SCA page to securely store card info.

In working through this, I realized I was only able to save the payment method (ie; pm_1KTqmpIAl3lkLAGGJfYYllj3), not card ID. So when setting up the payment workflow and following ZeroQode’s template, I realized creating a Payment Intent was easiest.

However, with my previous payment workflow, I had the card ID, so it involved “linking a seller with a customer”, then “platform charging a customer”, then a “transfer” of funds to the seller. On Stripe’s end, everything checked out, and the Transfer would pull out funds from the “platform charge a customer” charge, without having to depend on my Available Stripe balance. Unfortunately, since switching to the SCA route, I can’t seem to include the Transfer into my Payment Intents charge. This is what I’m trying to solve.

Another reason why it’s complex: The Clients on our platform, not barbers, pay the Stripe fee for the transaction. So, in order to achieve this, its simplest for us to charge the client, and then “transfer” the remaining funds to the barber, with no fee’s subtracted.

How I think the Plugin can help: I noticed that the payment intent has options to include a “source”, “transfer data” or “transfer group”. I’m not all too familiar with these functions, but I was wondering if there was a way to tie the Transfer with any of these options. I’ve read up on it and know it’s possible, I’m just trying to understand how to accomplish this within Bubble and ZeroQode’s plugin.

Thank you so much for your time. If there’s any confusion, I would be happy to DM you a link to my Bubble editor if you need to glance at it. Also, feel free to let me know if there is anything I can clear up!

I really appreciate your time and effort, Serg. It really does help!

[Serg]

Hi @wellspeterson9, thanks for the provided detailed description.

@wellspeterson9

My goal is to have the Transfer tied to the Payment Intent, so that the Transfer pulls from the Payment Intent’s charge, and not my Stripe’s available balance.

Unfortunately, the current plugin functionality doesn’t provide such a feature. Sorry about that.
Such setup would require additional API calls to be made through API Connector.

A possible workaround, in this case, would be to charge the customer the amount that will already include the fee that will be taken (for example in payment interface and workflow to indicate a calculation formula that will add a certain % to the price of the delivered service before final “charge a customer” action).

Sorry for not being helpful much about the above case If there will be anything else that I can help with about our plugin, please let me know.

Regards,