Stripe Connect平台多方支付拆分：解决“余额不足”错误的最佳实践

// 尝试在PaymentIntent中直接转账给卖家
const paymentIntent = await stripe.paymentIntents.create({
  amount: adjustedPrice * 100,
  currency: "usd",
  transfer_data: { // 问题所在：只适用于单一目标转账，且与后续独立转账冲突
    destination: sellerStripeAccountId,
  },
  application_fee_amount: affiliateCut * 100, // 如果此费用从卖家处扣除，可能与预期不符
  metadata: {
    affiliate: affiliate || "",
    affiliateCut,
    affiliateAccountId,
  },
});

// 在payment_intent.succeeded webhook中尝试转账给推广员
if(paymentIntent.metadata.affiliate) {
  const affiliateTransfer = await stripe.transfers.create({
    amount: paymentIntent.metadata.affiliateCut * 100,
    currency: "usd",
    destination: paymentIntent.metadata.affiliateAccountId,
  });
}

// 假设客户支付总金额为 adjustedPrice，推广员应得金额为 affiliateCutAmount，
// 平台服务费为 platformFeeAmount。
const totalAmountCents = adjustedPrice * 100;
const affiliateCutCents = affiliateCutAmount * 100;
const platformFeeCents = platformFeeAmount * 100; // 平台自身的服务费

const paymentIntent = await stripe.paymentIntents.create({
  amount: totalAmountCents, // 客户支付的总金额
  currency: "usd",
  application_fee_amount: platformFeeCents, // 平台收取的服务费
  payment_method_types: ["card"], // 或者其他支付方式
  metadata: {
    sellerAccountId: sellerStripeAccountId, // 卖家的Stripe关联账户ID
    affiliateAccountId: affiliateStripeAccountId, // 推广员的Stripe关联账户ID
    affiliateCutAmount: affiliateCutCents, // 推广员应得金额（以美分计）
    // ... 其他可能需要的业务数据
  },
});

// 返回 paymentIntent.client_secret 给前端完成支付

// 示例：在您的Webhook处理器中
app.post('/webhook', express.raw({type: 'application/json'}), async (request, response) => {
  const event = request.body;

  // 验证Webhook签名（生产环境中必不可少）
  // const signature = request.headers['stripe-signature'];
  // try {
  //   event = stripe.webhooks.constructEvent(request.body, signature, process.env.STRIPE_WEBHOOK_SECRET);
  // } catch (err) {
  //   return response.status(400).send(`Webhook Error: ${err.message}`);
  // }

  if (event.type === 'payment_intent.succeeded') {
    const paymentIntent = event.data.object;
    const paymentIntentId = paymentIntent.id; // 原始支付的ID，将作为 source_transaction
    const totalAmount = paymentIntent.amount; // 客户支付的总金额
    const platformFeeTaken = paymentIntent.application_fee_amount || 0; // 平台已收取的服务费

    const sellerAccountId = paymentIntent.metadata.sellerAccountId;
    const affiliateAccountId = paymentIntent.metadata.affiliateAccountId;
    const affiliateCutAmount = parseInt(paymentIntent.metadata.affiliateCutAmount);

    // 计算可用于转账的总金额（扣除平台服务费后）
    const amountAvailableForTransfers = totalAmount - platformFeeTaken;

    // 计算卖家应得金额
    const sellerCutAmount = amountAvailableForTransfers - affiliateCutAmount;

    try {
      // 1. 转账给卖家
      if (sellerAccountId && sellerCutAmount > 0) {
        await stripe.transfers.create({
          amount: sellerCutAmount,
          currency: "usd",
          destination: sellerAccountId,
          source_transaction: paymentIntentId, // 关键：关联到原始支付
        });
        console.log(`Successfully transferred ${sellerCutAmount} to seller ${sellerAccountId}`);
      }

      // 2. 转账给推广员（如果存在且金额大于0）
      if (affiliateAccountId && affiliateCutAmount > 0) {
        await stripe.transfers.create({
          amount: affiliateCutAmount,
          currency: "usd",
          destination: affiliateAccountId,
          source_transaction: paymentIntentId, // 关键：关联到原始支付
        });
        console.log(`Successfully transferred ${affiliateCutAmount} to affiliate ${affiliateAccountId}`);
      }

      response.status(200).send('Transfers initiated successfully');

    } catch (error) {
      console.error('Error creating transfers:', error);
      // 在生产环境中，这里需要更健壮的错误处理和重试机制
      response.status(500).send('Error initiating transfers');
    }
  }

  response.status(200).end();
});