Transfer failing with error "You have insufficient funds in your Stripe account for this transfer. Your ACH balance is too low."

[Matthew Holtzman]

I'm seeing some strange behavior around creating transfers between two standard connected accounts.

When I check my balance using the API, I see sufficient funds:

Stripe::Balance.retrieve

=> #<Stripe::Balance:0x3fc6b27cdb6c> JSON: {

  "object": "balance",

  "available": [

    {"amount":60601,"currency":"usd","source_types":{"bank_account":0,"card":60601}}

  ],

  "connect_reserved": [

    {"amount":0,"currency":"usd"}

  ],

  "livemode": false,

  "pending": [

    {"amount":0,"currency":"usd","source_types":{"bank_account":0,"card":0}}

  ]

}

however when I attempt a transfer, I see the following message:

transfer = Stripe::Transfer.create({ amount: 600_00, currency: 'usd', destination: 'acct_19qTdgFTAf4mtqpM' })

Stripe::InvalidRequestError: You have insufficient funds in your Stripe account for this transfer. Your ACH balance is too low.  You can use the /v1/balance endpoint to view your Stripe balance (for more details, see stripe.com/docs/api#balance).

any idea what's going on here? if it matters, I'm using API version 2017-04-06.

[Remi J.]

Hello,

If you look at your balance in the JSON it says you have $606.01 available in the card balance and $0 in the bank account balance. Usually, when you create a Transfer to a connected account, the balance that is used by default is the card's one. Some accounts though have been historically configured to use the bank account balance by default for historical reasons and it seems to be the case for your main platform.

To remediate this, you need to explicitly pass `source_type: 'card'` when you create the Transfer to one of your connected accounts.

Hope this helps!

Remi

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