.NET项目中Stripe Connect提现异常问题求助

初始提现问题 #

我正在开发一个.NET项目，尝试向Stripe关联账户提现，提现金额为15澳元。以下是账户余额对象：

"object": "balance",
    "available": [
      {
        "amount": 1929490,
        "currency": "aud",
        "sourceTypes": {
          "card": 1929490
        },
        "rawJObject": null,
        "stripeResponse": null
      }
    ],
    "connectReserved": [
      {
        "amount": 0,
        "currency": "aud",
        "sourceTypes": null,
        "rawJObject": null,
        "stripeResponse": null
      }
    ],
    "instantAvailable": [
      {
        "amount": 1200000,
        "currency": "aud",
        "sourceTypes": {
          "bankAccount": 0,
          "card": 1200000,
          "fpx": 0,
          "rawJObject": null,
          "stripeResponse": null
        },
        "rawJObject": null,
        "stripeResponse": null
      }
    ],
    "issuing": null,
    "livemode": false,
    "pending": [
      {
        "amount": 108924,
        "currency": "aud",
        "sourceTypes": {
          "card": 108924
        },
        "rawJObject": null,
        "stripeResponse": null
      }
    ],

我尝试了五种提现方法，结果均失败：

方法1：关联账户选择银行账户作为提现渠道 #

请求代码：

var options = new PayoutCreateOptions
{
    // Destination = connectAccountId,
    Description = description,
    Method = "standard",// standard or instant
    SourceType = "bank_account", // 可选值：bank_account, card, or fpx
    Amount = amount,
    Currency = "aud",
    Metadata = new Dictionary<string, string> { { "ConnectAccountId", connectAccountId } },
};

var requestOptions = new RequestOptions();
requestOptions.StripeAccount = connectAccountId;

var service = new PayoutService();
return service.Create(options, requestOptions);

响应：

你的Stripe账户余额不足以完成此次转账，ACH余额过低。你可以通过/v1/balance端点查看账户余额详情。

方法2：关联账户选择银行账户作为提现渠道，修改SourceType为card #

请求代码：

var options = new PayoutCreateOptions
{
    // Destination = connectAccountId,
    Description = description,
    Method = "standard",// standard or instant
    SourceType = "card", // 可选值：bank_account, card, or fpx
    Amount = amount,
    Currency = "aud",
    Metadata = new Dictionary<string, string> { { "ConnectAccountId", connectAccountId } },
};

响应：

你的Stripe账户余额不足以完成此次转账，卡片余额过低。你可以通过/v1/balance端点查看账户余额详情。

方法3：关联账户选择借记卡作为提现渠道，使用方法2的请求代码 #

响应：

向借记卡提现不支持standard方式。

方法4：关联账户选择借记卡作为提现渠道，修改Method为instant #

请求代码：

var options = new PayoutCreateOptions
{
    // Destination = connectAccountId,
    Description = description,
    Method = "instant",// standard or instant
    SourceType = "card", // 可选值：bank_account, card, or fpx
    Amount = amount,
    Currency = "aud",
    Metadata = new Dictionary<string, string> { { "ConnectAccountId", connectAccountId } },
};

响应：

你的Stripe账户余额不足以完成此次转账，卡片余额过低。你可以通过/v1/balance端点查看账户余额详情。

方法5：关联账户选择借记卡作为提现渠道，修改SourceType为bank_account #

请求代码：

var options = new PayoutCreateOptions
{
    // Destination = connectAccountId,
    Description = description,
    Method = "instant",// standard or instant
    SourceType = "bank_account", // 可选值：bank_account, card, or fpx
    Amount = amount,
    Currency = "aud",
    Metadata = new Dictionary<string, string> { { "ConnectAccountId", connectAccountId } },
};

响应：

你的Stripe账户余额不足以完成此次转账，ACH余额过低。你可以通过/v1/balance端点查看账户余额详情。

我的需求是向关联账户的银行账户提现，需要协助排查问题。

更新内容：转账后提现情况 #

按照建议，先向关联账户转账，转账代码如下：

var options = new TransferCreateOptions
{
    Amount = amount,
    Currency = "aud",
    Destination = connectAccountId,
    Description = description,
    // SourceType = "bank_account" //bank_account, card, or fpx  // 此处设置会报错：invalid source type error
};
var service = new TransferService();
return service.Create(options);

转账后关联账户的余额对象：

"available": [
      {
        "amount": 30,
        "currency": "aud",
        "sourceTypes": {
          "card": 30
        },
        "rawJObject": null,
        "stripeResponse": null
      }
    ],
    "connectReserved": null,
    "instantAvailable": [
      {
        "amount": 30,
        "currency": "aud",
        "sourceTypes": {
          "bankAccount": 0,
          "card": 30,
          "fpx": 0,
          "rawJObject": null,
          "stripeResponse": null
        },
        "rawJObject": null,
        "stripeResponse": null
      }
    ],
    "issuing": null,
    "livemode": false,
    "pending": [
      {
        "amount": 0,
        "currency": "aud",
        "sourceTypes": {
          "card": 0
        },
        "rawJObject": null,
        "stripeResponse": null
      }

后续提现尝试 #

• 方法1：使用初始方法1的代码向银行账户提现，仍收到相同的余额不足错误。
• 方法2：向关联账户的银行卡提现，操作成功，请求代码：

var options = new PayoutCreateOptions
{
    // Destination = connectAccountId,
    Description = description,
    Method = "standard",// standard or instant
    SourceType = "card", // 可选值：bank_account, card, or fpx
    Amount = amount,
    Currency = "aud",
    Metadata = new Dictionary<string, string> { { "ConnectAccountId", connectAccountId } },
};

提现后关联账户仪表盘显示相关交易，我有以下疑问：

1. "Settled"是什么意思？
2. 0.15澳元的交易仅完成转账（当时提现失败），0.48澳元的交易转账和提现均成功，关联账户持有人如何区分这些交易？
3. 0.48澳元显示为负数是什么含义？

内容的提问来源于stack exchange，提问作者hanushi