How to split payments between two users in Stripe

1const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY);
2
3async function twoWaySplit() {
4  const paymentIntent = await stripe.paymentIntents.create({
5    amount: 10000, // $100.00 total
6    currency: 'usd',
7    payment_method_types: ['card'],
8    application_fee_amount: 2000, // $20.00 platform fee
9    transfer_data: {
10      destination: 'acct_sellerAccount',
11    },
12  });
13  // Seller receives $80.00, platform receives $20.00
14  console.log('PaymentIntent:', paymentIntent.id);
15  console.log('Client secret:', paymentIntent.client_secret);
16  return paymentIntent;
17}
18
19twoWaySplit();

1function calculatePlatformFee(amountInCents, feePercentage) {
2  return Math.round(amountInCents * (feePercentage / 100));
3}
4
5async function chargeWithPercentageFee(amount, sellerAccountId, feePercent) {
6  const fee = calculatePlatformFee(amount, feePercent);
7
8  const paymentIntent = await stripe.paymentIntents.create({
9    amount: amount,
10    currency: 'usd',
11    payment_method_types: ['card'],
12    application_fee_amount: fee,
13    transfer_data: {
14      destination: sellerAccountId,
15    },
16    metadata: {
17      fee_percentage: feePercent.toString(),
18      fee_amount: fee.toString(),
19    },
20  });
21
22  console.log(`Total: $${(amount/100).toFixed(2)}`);
23  console.log(`Fee (${feePercent}%): $${(fee/100).toFixed(2)}`);
24  console.log(`Seller receives: $${((amount-fee)/100).toFixed(2)}`);
25  return paymentIntent;
26}
27
28chargeWithPercentageFee(15000, 'acct_seller123', 15); // 15% fee on $150

1async function multiPartySplit(orderItems) {
2  // orderItems: [{ sellerAccountId, amount }, ...]
3  const totalAmount = orderItems.reduce((sum, item) => sum + item.amount, 0);
4  const platformFee = calculatePlatformFee(totalAmount, 10); // 10% platform fee
5
6  // Step 1: Charge the buyer
7  const paymentIntent = await stripe.paymentIntents.create({
8    amount: totalAmount + platformFee,
9    currency: 'usd',
10    payment_method: 'pm_card_visa', // Use test card
11    confirm: true,
12    automatic_payment_methods: { enabled: true, allow_redirects: 'never' },
13  });
14
15  // Step 2: Transfer to each seller
16  const chargeId = paymentIntent.latest_charge;
17  const transfers = [];
18
19  for (const item of orderItems) {
20    const transfer = await stripe.transfers.create({
21      amount: item.amount,
22      currency: 'usd',
23      destination: item.sellerAccountId,
24      source_transaction: chargeId,
25      metadata: { order_id: paymentIntent.id },
26    });
27    transfers.push(transfer);
28  }
29
30  console.log(`Charged: $${((totalAmount + platformFee)/100).toFixed(2)}`);
31  console.log(`Platform keeps: $${(platformFee/100).toFixed(2)}`);
32  transfers.forEach(t => {
33    console.log(`Transfer ${t.id}: $${(t.amount/100).toFixed(2)} → ${t.destination}`);
34  });
35
36  return { paymentIntent, transfers };
37}
38
39multiPartySplit([
40  { sellerAccountId: 'acct_sellerA', amount: 5000 },
41  { sellerAccountId: 'acct_sellerB', amount: 8000 },
42]);

1// Refund a destination charge (automatic transfer reversal)
2async function refundDestinationCharge(paymentIntentId, refundAmount) {
3  const refund = await stripe.refunds.create({
4    payment_intent: paymentIntentId,
5    amount: refundAmount, // Partial refund in cents
6    reverse_transfer: true, // Reverse the seller's transfer
7    refund_application_fee: true, // Also refund the platform fee
8  });
9  console.log('Refund created:', refund.id);
10  return refund;
11}
12
13// Refund with manual transfer reversals
14async function refundWithReversals(paymentIntentId, transferIds) {
15  const refund = await stripe.refunds.create({
16    payment_intent: paymentIntentId,
17  });
18
19  for (const transferId of transferIds) {
20    await stripe.transfers.createReversal(transferId);
21  }
22
23  console.log('Refund and reversals complete');
24  return refund;
25}