How to transfer funds between Stripe accounts using Connect

1const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY);
2
3async function createTransfer() {
4  const transfer = await stripe.transfers.create({
5    amount: 5000, // $50.00 in cents
6    currency: 'usd',
7    destination: 'acct_connectedAccountId',
8    description: 'Payment for order #1234',
9    metadata: {
10      order_id: '1234',
11    },
12  });
13  console.log('Transfer created:', transfer.id);
14  console.log('Amount:', transfer.amount, 'cents');
15  return transfer;
16}
17
18createTransfer();

1async function transferFromCharge(chargeId, connectedAccountId) {
2  // First, create a charge on your platform
3  const paymentIntent = await stripe.paymentIntents.create({
4    amount: 10000, // $100.00
5    currency: 'usd',
6    payment_method: 'pm_card_visa', // Test card
7    confirm: true,
8    automatic_payment_methods: { enabled: true, allow_redirects: 'never' },
9  });
10
11  // Then transfer a portion to the connected account
12  const transfer = await stripe.transfers.create({
13    amount: 8500, // $85.00 — platform keeps $15.00
14    currency: 'usd',
15    destination: connectedAccountId,
16    source_transaction: paymentIntent.latest_charge,
17  });
18
19  console.log('Transfer:', transfer.id, 'linked to charge:', paymentIntent.latest_charge);
20  return transfer;
21}

1async function multiSellerTransfer() {
2  const paymentIntent = await stripe.paymentIntents.create({
3    amount: 20000, // $200.00 total order
4    currency: 'usd',
5    payment_method: 'pm_card_visa',
6    confirm: true,
7    automatic_payment_methods: { enabled: true, allow_redirects: 'never' },
8  });
9
10  const chargeId = paymentIntent.latest_charge;
11
12  const transfers = await Promise.all([
13    stripe.transfers.create({
14      amount: 7500, // $75.00 to Seller A
15      currency: 'usd',
16      destination: 'acct_sellerA',
17      source_transaction: chargeId,
18      metadata: { seller: 'A', order: '5678' },
19    }),
20    stripe.transfers.create({
21      amount: 9500, // $95.00 to Seller B
22      currency: 'usd',
23      destination: 'acct_sellerB',
24      source_transaction: chargeId,
25      metadata: { seller: 'B', order: '5678' },
26    }),
27  ]);
28
29  // Platform keeps $30.00 ($200 - $75 - $95)
30  console.log('Transfers:', transfers.map(t => t.id));
31}

1async function reverseTransfer(transferId, amount) {
2  const reversal = await stripe.transfers.createReversal(transferId, {
3    amount: amount, // Partial reversal in cents, omit for full reversal
4    description: 'Refund for order #1234',
5  });
6  console.log('Reversal created:', reversal.id);
7  console.log('Amount reversed:', reversal.amount, 'cents');
8  return reversal;
9}
10
11reverseTransfer('tr_transferId', 2500); // Reverse $25.00

1async function safeTransfer(amount, destination, sourceCharge) {
2  try {
3    const balance = await stripe.balance.retrieve();
4    const available = balance.available.find(b => b.currency === 'usd');
5
6    if (!available || available.amount < amount) {
7      throw new Error(`Insufficient balance: ${available?.amount || 0} < ${amount}`);
8    }
9
10    const transfer = await stripe.transfers.create({
11      amount,
12      currency: 'usd',
13      destination,
14      source_transaction: sourceCharge,
15    });
16
17    return { success: true, transfer };
18  } catch (err) {
19    console.error('Transfer failed:', err.message);
20    return { success: false, error: err.message };
21  }
22}