Trying to transfer to a recipient through stripe - ruby-on-rails

Question

I'm trying to pass an order and transfer the money to a recipient which created the listing.
Every time i try to pass an order i get a error "Cannot transfer to a recipient that has no default payment account". When a user makes a new listing they must provide information like Country, Routing Number and Account Number only ones. I will show my code and if anybody can see an error i did it would help a lot.
When i try this in the console this is what i get
rp = Stripe::Recipient.retrieve(user.recipient)
=> #<Stripe::Recipient:0x8333f120 id=rp_14X1Sz4SnElBeDRiOQWxitGL> JSON: {
"id": "rp_14X1Sz4SnElBeDRiOQWxitGL",
"object": "recipient",
"created": 1409365189,
"livemode": false,
"type": "individual",
"description": null,
"email": "perez#mezarina.me",
"name": "Andy Perez",
"verified": false,
"metadata": {},
"active_account": null,
"cards": {"object":"list","total_count":0,"has_more":false,"url":"/v1/recipients/rp_14X1Sz4SnElBeDRiOQWxitGL/cards","data":[]},
"default_card": null
}
This is my Listings controller
class ListingsController < ApplicationController
def index
if params[:query].present?
#listings = Listing.search(params[:query], page: params[:page])
else
#listings = Listing.all.order("created_at desc").limit(12)
end
end
def show
#listing = Listing.find(params[:id])
end
def new
#listing = Listing.new
end
def create
#listing = Listing.new(listing_params)
#listing.user_id = current_user.id
if current_user.recipient.blank?
Stripe.api_key = ENV["STRIPE_API_KEY"]
token = params[:stripeToken]
recipient = Stripe::Recipient.create(
:name => #listing.user.name,
:email => #listing.user.email,
:type => "individual",
:bank_account => token
)
current_user.recipient = recipient.id
current_user.save
end
if #listing.save
redirect_to #listing
else
render :new
end
end
def seller
#listing = Listing.where(user: current_user)
end
def favorite
if #listing = Listing.find(params[:id])
current_user.mark_as_favorite #listing
redirect_to #listing
end
end
def unfavorite
#listing = Listing.find(params[:id])
#listing.unmark :favorite, :by => current_user
redirect_to #listing = :back
end
private
def listing_params
listing_params = params.require(:listing).permit(:name, :description, :price, :image, :anime_id).merge(:user_id => current_user.id)
end
end
This is my orders controller
class OrdersController < ApplicationController
def sales
#orders = Order.all.where(seller: current_user)
end
def purchases
#orders = Order.all.where(buyer: current_user)
end
def new
#order = Order.new
#listing = Listing.find(params[:listing_id])
end
def create
#order = Order.new(order_params)
#listing = Listing.find(params[:listing_id])
#seller = #listing.user
#order.listing_id = #listing.id
#order.buyer_id = current_user.id
#order.seller_id = #seller.id
recipient_id = #listing.user.recipient
Stripe.api_key = ENV["STRIPE_API_KEY"]
token = params[:stripeToken]
begin
charge = Stripe::Charge.create(
:amount => (#listing.price * 100).floor,
:currency => "usd",
:card => token
)
flash[:notice] = "Thanks for ordering!"
rescue Stripe::CardError => e
flash[:danger] = e.message
end
transfer = Stripe::Transfer.create(
:amount => (#listing.price * 95).floor,
:currency => "usd",
:bank_account => token,
:recipient => #seller.recipient
)
if #order.save
redirect_to root_path
else
render :new
end
end
private
def set_order
#order = Order.find(params[:id])
end
def order_params
order_params = params.require(:order).permit(:address, :city, :state, :buyer_id, :seller_id)
end
end
New listing form
<section class="new-listing">
<div class="row">
<div class="medium-3 medium-centered columns end">
<%= simple_form_for #listing do |f| %>
<%= f.file_field :image %>
<%= f.input :name, placeholder: 'Name',label: false %>
<%= f.input :price, placeholder: 'Price in USD',label: false %>
<%= f.association :anime, prompt: 'Pick anime',label: false %>
</div>
<div class="medium-12 columns description">
<%= f.input :description, :input_html => { :cols => 50, :rows => 10 }, label: false, placeholder: 'Write the product description here......' %>
<% if current_user.recipient.blank? %>
<br>
<h1>Bank Account Information</h1>
<div class="form-group">
<%= label_tag :country %>
<%= text_field_tag :country, nil, { :name => nil, :'data-stripe' => "country" } %>
</div>
<div class="form-group">
<%= label_tag :routing_number %>
<%= text_field_tag :routing_number, nil, { :name => nil, :'data-stripe' => "routingNumber"} %>
</div>
<div class="form-group">
<%= label_tag :account_number %>
<%= text_field_tag :account_number, nil, { :name => nil, :'data-stripe' => "accountNumber"} %>
</div>
<% end %>
<div class="medium-1 medium-centered columns end">
<%= f.submit 'Done', class: 'button tiny' %>
</div>
<% end %>
</div>

Answer 1

The console code you're showing also reflects that there's no account setup for the recipient (to which we'd transfer funds). Hence, the error message. I don't see anywhere in your code where you're creating the destination account (e.g., bank or debit card).
Also, just to be clear, if you process a charge today, those funds won't be available for transfer until X days later (X = depends upon your account).
Hope that helps,
Larry
PS I work on Support at Stripe.