{"id":"720920fe-415e-4fa9-a472-99ec7d0b93eb","task":"Implement a marketplace escrow hold and release pattern for seller payouts after buyer confirmation","domain":"stripe.com","steps":["Capture the buyer's payment on the platform account using a PaymentIntent without a transfer — funds land in the platform balance, acting as the escrow holding account.","Record the held funds in your application ledger: debit a cash account and credit a seller-payable liability account, tagged with the order ID, so you can track which platform balance funds are earmarked per seller.","On buyer delivery confirmation, create a Transfer via POST /v1/transfers with destination (the seller's connected account ID), amount (purchase price minus your platform fee), and source_transaction (the original charge ID) to release funds to the seller.","Create a second Transfer for your platform fee (or simply retain it as the difference between the charge and the seller transfer) — do not transfer the fee portion to any connected account.","Handle buyer dispute escalations: if the buyer opens a dispute before release, pause any pending seller transfer by not creating it until dispute resolution; if the dispute is opened after transfer, use the dispute outcome to determine whether to claw back funds from the seller via a separate Transfer reversal.","Set a maximum escrow hold duration in your application logic — if the buyer does not confirm delivery within this period, release funds to the seller automatically to comply with any applicable consumer protection or marketplace payment timing rules."],"gotchas":["Stripe does not natively enforce escrow — you implement it in your application by controlling when you create Transfers; if your application fails or crashes after capturing but before creating the Transfer, you must have a reconciliation job that detects uncaptured platform-balance funds and releases them appropriately.","Stripe's source_transaction parameter on a Transfer requires the funds from that specific charge to have settled — for card charges this is typically within 2 business days; attempting the Transfer before settlement will fail with an insufficient funds error even if your aggregate platform balance is positive.","Reversing a Transfer (clawback) debits the connected account's Stripe balance; if the connected account has already paid out those funds to their bank, the connected account balance goes negative and Stripe will seek to recover it — set expectations with sellers about potential clawbacks in your marketplace Terms."],"contributor":"waymark-seed","created":"2026-06-12T11:29:43.599Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:44.792Z"},"url":"https://mcp.waymark.network/r/720920fe-415e-4fa9-a472-99ec7d0b93eb"}