#stripe

hello

hi orangelink

I am fairly new to stripe and looking to describe to somebody the process im trying to acheive and then someone can tell me if and how to achieve that with Stripe.

Cna you help?

will give it a shot! what do you need to do?

We own a building where multiple vendors display their items for sale. When a customer makes a purchase they come up to the front register and we look at each item and input the vendor space number and price, then we ring up the total order and charge the customer. At the end of the month we tally up the total sales for all vendors and then we subtract our percentage and then pay out the vendors the balance of their s

ales.

I know stripe can do automatic transferring to vendors, so im wondering if we can utilize that feature.

orangelink: you can manually initiate transfers through the api or dashboard. Note stripe can't grab funds from your bank account, only from your stripe balance

ok, makes sense.

SO instead of the end of the month, maybe we can just do it daily.

How would i subtract the 10% commission before transferring if i wnated to setup automatic transfers?

when you say ‘automatic transferring to vendors’ I’m thinking Stripe Connect

Is that something i would need a developer to codee?

where when you make a charge, Stripe automatically credits you the 10%, and gives the rest (minus the processing fee) to your vendor

could I choose to eat the processing fee opposed to the vendor eating it?

you’d have to do some math and reduce your fee (not use the percentage, but give it a fixed amount) to make it come out right

ok

(well for charges you have to do the math for the fee in any case. it’s application_fee in cents.)

ok

wsmoak: orangelink it sounds like you want the transfers API as opposed to Stripe connect

hmmm.... i'm not too sure.

Thats why i was asking.

What would be the difference?

stripe connect would transfer the funds instantly and the customer would be charged from each vendor, as opposed to you charge the customer once and distributing funds

transfers api is closer to what you’re already doing — except I assume you’re writing checks instead of ACH transfers

ok yeah, the transfers API does sound like what i need.

yes, we are writing checks now.

but if you want Stripe to automatically handle the fees and paying out to the vendors… that’s Connect

whoa. im confused.

try this? https://support.stripe.com/questions/stripe-con...

Basically i want a POS that will take a customers orders and then split the money based on a per item basis, since items in one checkout can be from multiple vendors. Then i'd like the 10% subtracted from each item and the remainder payed out to the appropriate vendor.

Hello. Anyone home? Easy question. In PHP, exactly how do I specify `include[]=total_count` in my request?

The fees could come out of the 10%

hi xray

Hi. Here is my request..$cards = Stripe_Customer::retrieve("cu_4sG3gMQuzlBu9x")->cards->all(array('limit'=>10));

.

xray: just trying it. you want an array of the first 10 cards?

I want the total number of cards for each user

orangelink: if you do Stripe connect, each vendor would charge the customer for their own items, if you do transfers, you're transfering the money to each vendor

Transfer sounds like what i need.

xray: I'd assume something like Stripe_Customer::retrieve("cu_4sG3gMQuzlBu9x")->cards->all(array('limit'=>10, "expand" => array("customer")));

The API specifically states....You can optionally request that the response include the total count of all customers that match your filters. To do so, specify `include[]=total_count` in your request.

Woops copied and pasted the wrong thing, one sec

It actally says cards instead of customers...I cut and paste from a different part

I'd assume something like Stripe_Customer::retrieve("cu_4sG3gMQuzlBu9x")->cards->all(array('limit'=>10, "include" => array("total_count")));

Perfect.Thanks

orangelink: are you doing card present transactions (like card swipes?)

yes

And right now you use Stripe for that? Stripe is many geared towards card not present transactions

no, currently i use square but would like to use stripe. I know there are some 3rd party POS's that stripe can integrate with.

Yea, you're gonna see higher fees since Stripe will still process it as card not present

(Square is actually a bit high for card present)

and do you also have people paying with cash and checks that you need to account for ?

yes, cash

no checks

hm. well, if there is income other than card transactions, seems like you could get into a situation where you’d need to pay out more than you have in your stripe balance.

ah yea forgot about that

Hello. Back again with another easy question. This one is about adding additional cards in php

hi xray

$customer->cards->create(array( "number"=> $num, "exp_month" => $_REQUEST[expDateMonth], "exp_year" => $_REQUEST[expDateYear], "cvc" => $_REQUEST[cvc2] ));

But I'm getting an error, it wants the CARD paramater

But I'm not creating a token

xray: you are handling card data yourself rather than tokenizing?

yeah

why?

It's easier to make a token every time>

??

It saves you 85 pages of PCI compliance to make a token everytime

as soon as a credit card number just touches your server, you enter the lovely world of real PCI compliance

Right. But I don't save them...they submit the form and that's that, right?

no. what would happen if your server were compromised?

xray: nope, the php code runs on your server, so the credit card number enters RAM and has thus touched your server

you don’t want those numbers coming to you at all. even having them in memory is a risk.

I see.

and stripe makes it easy to avoid all that pain and suffering :)

well for now, I just asked for comment about PCI v3

Got a link for a token tutorial then?

xray: what kind? checkout or do you have a custom form?

or https://stripe.com/docs/checkout.js

Can I just do this? https://stripe.com/docs/api#create_card_token

xray: you can't do that server side (in php code), you'd have to do it client side (which is what Stripe.js does)

I'll work on it..

Thanks for the help

hey! is anyone available to answer a support q?

hi vaismania. if it’s not account-specific, ask away.

Im working on a new checkout and want to limit the billing info required to only State/CVC as verification (without the address) - is that a bad idea if we accept international payments? in regards to matching the "state/province" of an international cardholder to their actual CC state/province?

I've seen it work on a US focused checkout

vaismania: the only possible forms of verification are Address Line 1, Zip code, and CVC code

Isnt there an option to avoid address line 1, and simply resort to zip/cvc ?

yes

you cant do state though

oh, sorry

so if I was to simply have CVC + ZIP as the only data for billing verification, can that trigger many failed payments for international customers or is that better to only do domestically in the US?

thanks markin and wsmoak

for your help

you’re welcome

godspeed

vaismania: if a bank doesn't support a check (like for zip code), Stripe will still approve it as opposed to decline it

orangelink: you're welcome

I see

but generally this approach would have a higher probability of fraud?