Stripe Connect transfer: Insufficient funds

Question

I am trying to implement Stripe's Connect into my application. I've done hours of research and trial and error method debugging and now I am in situation where I get no technical errors but error that says:

Insufficient funds in Stripe account. In test mode, you can add funds to your available balance (bypassing your pending balance) by creating a charge with 4000 0000 0000 0077 as the card number. You can use the the /v1/balance endpoint to view your Stripe balance (for more details, see stripe.com/docs/api#balance).

The paymentIntent in Stripe Dashboar show me PaymentIntent status: requires_confirmation

The error for me seems weird since The card I am testing with is exactly the one they suggested me to use. Note that I've also tried to use other cards.

I am using Google Cloud Functions as a backend for my Stipe API.

This is the function that creates account and customer. I am creating both of them just to be sure everything is working fine.

// When a user is created in firebase auth, register them with Stripe
exports.createStripeUser = functions.auth.user().onCreate(async (user) => {
  const account = await stripe.accounts.create({type: 'custom', business_type: 'individual', individual: {email: user.email}, requested_capabilities: ['card_payments', 'transfers'], email: user.email});
  const customer = await stripe.customers.create({email: user.email});
  return admin.firestore().collection('stripe_customers').doc(user.uid).set({account_id: account.id, customer_id: customer.id});
});

Now I am adding card information:

// Add a payment source (card) for a user by writing a stripe payment source token to Cloud Firestore
exports.addPaymentSource = functions.firestore.document('/stripe_customers/{userId}/tokens/{pushId}').onCreate(async (snap, context) => {
  const source = snap.data();
  const token = source.token;
  if (source === null){
    return null;
  }

  try {
    const snapshot = await admin.firestore().collection('stripe_customers').doc(context.params.userId).get();
    const customer =  snapshot.data().customer_id;
    const response = await stripe.customers.createSource(customer, {source: token});
    return admin.firestore().collection('stripe_customers').doc(context.params.userId).collection("sources").doc(response.fingerprint).set(response, {merge: true});
  } catch (error) {
    await snap.ref.set({'error':userFacingMessage(error)},{merge:true});
    return reportError(error, {user: context.params.userId});
  }
});

This is how I create my paymentIntent:

// Create Stripe paymentIntent whenever an amount is created in Cloud Firestore
exports.createStripePaymentIntent = functions.firestore.document('stripe_customers/{userId}/charges/{id}').onCreate(async (snap, context) => {
      const val = snap.data();
      try {
        // Look up the Stripe customer id written in createStripeUser
        const snapshot = await admin.firestore().collection(`stripe_customers`).doc(context.params.userId).get()
        const snapval = snapshot.data();
        const customer = snapval.customer_id
        const amount = val.amount;
        const charge = {amount, currency, customer, transfer_group: val.transfer_group, payment_method: val.payment_method};
        if (val.source !== null) {
          charge.source = val.source;
        }
        const response = await stripe.paymentIntents.create(charge);
        // If the result is successful, write it back to the database
        return snap.ref.set(response, { merge: true });
      } catch(error) {
        // We want to capture errors and render them in a user-friendly way, while
        // still logging an exception with StackDriver
        console.log(error);
        await snap.ref.set({error: userFacingMessage(error)}, { merge: true });
        return reportError(error, {user: context.params.userId});
      }
    });

Since now everything seems to work as expected and now comes in the fun part, the TRANSFER. Which I am not able to make because of the error mentioned above. This is how I create my charge:

exports.createStripeTransfer = functions.firestore.document('stripe_customers/{userId}/transfers/{id}').onCreate(async (snap, context) => {
  const val = snap.data();
  try {
    // Look up the Stripe account id written in createStripeUser
    const snapshot = await admin.firestore().collection(`stripe_customers`).doc(context.params.userId).get()
    const snapval = snapshot.data();

    const destinationAccount = val.destination
    const amount = val.amount;
    const charge = {amount, currency, destination: destinationAccount, transfer_group: val.transfer_group};
    if (val.source !== null) {
      charge.source = val.source;
    }
    const response = await stripe.transfers.create(charge);
    stripe.paymentIntents.confirm(response.id, {payment_method: response.payment_method})
    // If the result is successful, write it back to the database
    return snap.ref.set(response, { merge: true });
  } catch(error) {
    // We want to capture errors and render them in a user-friendly way, while
    // still logging an exception with StackDriver
    console.log(error);
    await snap.ref.set({error: userFacingMessage(error)}, { merge: true });
    return reportError(error, {user: context.params.userId});
  }
});

Can anybody explain me what am I missing here? Why am I getting the error? I tried to manually top up account which did not help also.

Update 1: According to Sergio Tulentsev's comment it seems I gotta confirm the transfer for it to succeed. So I did implement the following line after successful transfer but the error remains the same:

stripe.paymentIntents.confirm(response.id, {payment_method: response.payment_method})

What is the difference between stripe.paymentIntent.confirm vs stripe.confirmCardPayment?

Stripe Connect transfer: Insufficient funds

Answers (1)

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