Stripe Connect 复杂支付拆分：利用独立扣款与转账解决余额不足问题

// 创建 PaymentIntent (问题代码示例)
const paymentIntent = await stripe.paymentIntents.create({
  amount: adjustedPrice * 100,
  currency: "usd",
  transfer_data: { // 将款项直接转给卖家
    destination: sellerStripeAccountId,
  },
  application_fee_amount: affiliateCut * 100, // 推广员佣金作为平台费用，但仍需从平台转出
  metadata: {
    affiliate: affiliate || "",
    affiliateCut, // 推广员应得金额
    affiliateAccountId,
  },
});

// payment_intent.succeeded webhook 中处理转账 (问题代码示例)
if(paymentIntent.metadata.affiliate) {
  // 此时平台账户可能没有足够的可用余额来执行此转账
  const affiliateTransfer = await stripe.transfers.create({
    amount: paymentIntent.metadata.affiliateCut * 100,
    currency: "usd",
    destination: paymentIntent.metadata.affiliateAccountId,
  });
}

// 创建 PaymentIntent (解决方案代码示例)
const paymentIntent = await stripe.paymentIntents.create({
  amount: adjustedPrice * 100, // 客户支付的总金额
  currency: "usd",
  // 移除 transfer_data.destination，确保全部款项首先进入平台账户
  // 如果平台有自己的佣金，可以在这里设置 application_fee_amount
  // 例如：application_fee_amount: platformOwnFee * 100,
  metadata: {
    affiliate: affiliate || "",
    affiliateCut: affiliateCut, // 推广员应得金额
    affiliateAccountId: affiliateAccountId,
    sellerStripeAccountId: sellerStripeAccountId, // 卖家账户ID
    adjustedPrice: adjustedPrice, // 原始交易总额，便于后续计算
  },
});

// payment_intent.succeeded webhook 处理器 (解决方案代码示例)
if (event.type === 'payment_intent.succeeded') {
  const paymentIntent = event.data.object;
  const chargeId = paymentIntent.latest_charge; // 获取与 PaymentIntent 关联的 Charge ID

  // 从 metadata 或 PaymentIntent 对象中获取所需信息
  const totalAmount = paymentIntent.amount; // 支付总金额（以最小货币单位，如美分）
  const affiliateCutAmount = paymentIntent.metadata.affiliateCut * 100; // 推广员应得金额
  const sellerStripeAccountId = paymentIntent.metadata.sellerStripeAccountId;
  const affiliateAccountId = paymentIntent.metadata.affiliateAccountId;

  // 计算平台扣除自身佣金后的可转账总额
  const amountAfterPlatformFee = totalAmount - (paymentIntent.application_fee_amount || 0);

  // 计算卖家应得金额
  // 假设推广员的佣金是从总金额中分出的
  const sellerAmount = amountAfterPlatformFee - affiliateCutAmount;

  // 1. 转账给卖家
  if (sellerAmount > 0) {
    try {
      await stripe.transfers.create({
        amount: sellerAmount,
        currency: "usd",
        destination: sellerStripeAccountId,
        source_transaction: chargeId, // 关键：关联到原始 Charge
      });
      console.log(`成功转账 ${sellerAmount / 100} ${paymentIntent.currency.toUpperCase()} 给卖家 ${sellerStripeAccountId}`);
    } catch (error) {
      console.error(`转账给卖家失败：${error.message}`);
      // 记录错误，可能需要人工介入或重试机制
    }
  }

  // 2. 转账给推广员
  if (paymentIntent.metadata.affiliate && affiliateCutAmount > 0) {
    try {
      await stripe.transfers.create({
        amount: affiliateCutAmount,
        currency: "usd",
        destination: affiliateAccountId,
        source_transaction: chargeId, // 关键：关联到原始 Charge
      });
      console.log(`成功转账 ${affiliateCutAmount / 100} ${paymentIntent.currency.toUpperCase()} 给推广员 ${affiliateAccountId}`);
    } catch (error) {
      console.error(`转账给推广员失败：${error.message}`);
      // 记录错误，可能需要人工介入或重试机制
    }
  }

  // ... 其他业务逻辑，例如更新订单状态等
}