A Stripe payment watcher that sums amount counts the gross: judge a threshold on the balance transaction's net, and only on the part that is available · id PC-260
· checked_on 2026-11-13
· license CC-BY-4.0
1) For every payment, fetch or expand its balance transaction and sum net, not amount, as integers in the smallest currency unit. 2) Read the whole list: follow has_more with starting_after until it is false, and refuse duplicate transaction ids from overlapping pages. 3) Count a positive row toward a threshold that announces or unlocks something only when its status is available; report pending net separately. 4) Count negative rows (refunds, disputes, adjustments) at once, also while pending: that is a conservative choice, not a Stripe rule. 5) Never sum across currencies; judge per currency. 6) Before you publish 'met', compare the watcher's number with the ledger or GET /v1/balance once. The snippet gives four verdicts: met, pending_only, gross_only (only the gross reaches it: do not announce) and not_met.
#!/usr/bin/env python3
"""stripe_net_threshold.py - has a Stripe payment goal really been reached?
A watcher that sums `amount` counts the gross. What reaches the balance is the
balance transaction's `net` (= amount - fee), and it is only spendable once
`status` is "available". Judge a threshold on available net, never on amount.
usage: python3 -I stripe_net_threshold.py --selftest
python3 -I stripe_net_threshold.py THRESHOLD PAGE.json [PAGE.json ...]
PAGE.json is a saved GET /v1/balance_transactions response ({"object": "list",
"data": [...], "has_more": ...}). THRESHOLD is an integer in the smallest
currency unit (cents). No network, no key.
Verdicts (one line, plus gross / net / available_net / pending_net):
met available net (minus every negative row, pending or not) >= threshold
pending_only net >= threshold, but it needs money that is still pending
gross_only only the gross reaches the threshold: do NOT announce
not_met not even the gross reaches it
Exit 0 = met, 1 = pending_only / gross_only / not_met,
2 = usage or bad input: last page still has_more (list incomplete), duplicate
transaction id, mixed currencies, non-integer amounts, amount - fee != net,
a status other than available/pending, a threshold below 1.
"""
import json
import sys
STATUSES = ('available', 'pending')
def rows_from_pages(pages):
"""Concatenate saved list pages; refuse an incomplete list or duplicates."""
if not pages:
raise ValueError('no pages')
rows, seen = [], set()
for n, doc in enumerate(pages):
if not isinstance(doc, dict) or not isinstance(doc.get('data'), list):
raise ValueError('page %d: expected {"object": "list", "data": [...]}' % (n + 1))
if 'has_more' not in doc or not isinstance(doc['has_more'], bool):
raise ValueError('page %d: has_more missing, cannot tell if the list is complete' % (n + 1))
if n == len(pages) - 1 and doc['has_more']:
raise ValueError('last page has_more=true: fetch the next page (starting_after the last id)')
for r in doc['data']:
if not isinstance(r, dict) or r.get('object') != 'balance_transaction':
raise ValueError('page %d: row is not a balance_transaction' % (n + 1))
rid = r.get('id')
if not isinstance(rid, str) or not rid:
raise ValueError('page %d: row without id' % (n + 1))
if rid in seen:
raise ValueError('duplicate transaction id %s: overlapping pages' % rid)
seen.add(rid)
rows.append(r)
return rows
def judge(rows, threshold):
if not isinstance(threshold, int) or isinstance(threshold, bool) or threshold < 1:
raise ValueError('threshold must be a positive integer in the smallest unit')
for r in rows:
for k in ('amount', 'fee', 'net'):
v = r.get(k)
if not isinstance(v, int) or isinstance(v, bool):
raise ValueError('%s: %s must be an integer in the smallest unit' % (r.get('id'), k))
if r['amount'] - r['fee'] != r['net']:
raise ValueError('%s: amount - fee != net' % r.get('id'))
if r.get('status') not in STATUSES:
raise ValueError('%s: status %r is not available/pending' % (r.get('id'), r.get('status')))
if not isinstance(r.get('currency'), str):
raise ValueError('%s: no currency' % r.get('id'))
cur = {r['currency'] for r in rows}
if len(cur) > 1:
raise ValueError('mixed currencies %s: judge per currency' % sorted(cur))
gross = sum(r['amount'] for r in rows)
net = sum(r['net'] for r in rows)
pending = sum(r['net'] for r in rows if r['status'] == 'pending')
# Conservative: a debit (refund, dispute, fee row) counts at once, even if pending;
# a credit counts only when available.
spendable = sum(r['net'] for r in rows if r['status'] == 'available' or r['net'] < 0)
if spendable >= threshold:
verdict = 'met'
elif net >= threshold:
verdict = 'pending_only'
elif gross >= threshold:
verdict = 'gross_only'
else:
verdict = 'not_met'
return verdict, {'currency': next(iter(cur), None), 'gross': gross, 'net': net,
'available_net': spendable, 'pending_net': pending, 'threshold': threshold}
def _tx(i, amount, fee, status='available', cur='eur'):
return {'id': 'txn_%d' % i, 'object': 'balance_transaction', 'amount': amount,
'fee': fee, 'net': amount - fee, 'currency': cur, 'status': status}
def _page(*rows, more=False):
return {'object': 'list', 'data': list(rows), 'has_more': more}
def selftest():
fails = []
def eq(name, got, want):
if got != want:
fails.append('%s: %r != %r' % (name, got, want))
def v(pages, t):
return judge(rows_from_pages(pages), t)[0]
# The reported case: 7.00 gross, fee 0.82, net 6.18 against 6.32. Must not be announced.
eq('reported gross_only', v([_page(_tx(1, 700, 82))], 632), 'gross_only')
eq('met', v([_page(_tx(1, 700, 82))], 618), 'met')
eq('met one below', v([_page(_tx(1, 700, 82))], 619), 'gross_only')
eq('pending', v([_page(_tx(1, 700, 82, 'pending'))], 600), 'pending_only')
eq('not_met', v([_page(_tx(1, 500, 40))], 632), 'not_met')
eq('refund lowers', v([_page(_tx(1, 700, 82), _tx(2, -100, 0))], 600), 'gross_only')
# Available-only would say 618 >= 550 (met); the pending refund already takes 100 off.
eq('pending refund counts at once',
v([_page(_tx(1, 700, 82), _tx(2, -100, 0, 'pending'))], 550), 'gross_only')
eq('two pages sum', v([_page(_tx(1, 400, 30), more=True), _page(_tx(2, 400, 30))], 740), 'met')
eq('empty list', v([_page()], 1), 'not_met')
r = judge(rows_from_pages([_page(_tx(1, 700, 82), _tx(2, 300, 20, 'pending'))]), 900)
eq('numbers', r[1], {'currency': 'eur', 'gross': 1000, 'net': 898, 'available_net': 618,
'pending_net': 280, 'threshold': 900})
bad = {
'incomplete': [_page(_tx(1, 700, 82), more=True)],
'no has_more': [{'object': 'list', 'data': [_tx(1, 700, 82)]}],
'duplicate': [_page(_tx(1, 700, 82), more=True), _page(_tx(1, 700, 82))],
'mixed': [_page(_tx(1, 700, 82), _tx(2, 100, 5, cur='usd'))],
'inconsistent': [_page(dict(_tx(1, 700, 82), net=700))],
'float': [_page(dict(_tx(1, 700, 82), amount=7.0))],
'bool': [_page(dict(_tx(1, 700, 82), fee=True, net=699))],
'status': [_page(dict(_tx(1, 700, 82), status='succeeded'))],
'no status': [_page({k: x for k, x in _tx(1, 700, 82).items() if k != 'status'})],
'not a txn': [_page(dict(_tx(1, 700, 82), object='charge'))],
'bare list': [[_tx(1, 700, 82)]],
'no pages': [],
}
for name, pages in bad.items():
try:
v(pages, 1)
fails.append('%s accepted' % name)
except ValueError:
pass
for t in (0, -5, 6.32, True):
try:
judge([], t)
fails.append('threshold %r accepted' % (t,))
except ValueError:
pass
for f in fails:
print('FAIL', f)
print('pass' if not fails else 'FAIL')
return 0 if not fails else 1
def main(argv):
if argv[1:] == ['--selftest']:
return selftest()
if len(argv) < 3:
print(__doc__.split('\n\n')[2], file=sys.stderr)
return 2
try:
threshold = int(argv[1])
pages = []
for p in argv[2:]:
with open(p, encoding='utf-8') as fh:
pages.append(json.load(fh))
verdict, info = judge(rows_from_pages(pages), threshold)
except (OSError, ValueError) as e:
print('error:', e, file=sys.stderr)
return 2
print(verdict, json.dumps(info, sort_keys=True))
return 0 if verdict == 'met' else 1
if __name__ == '__main__':
sys.exit(main(sys.argv))
An agent watches incoming Stripe payments and does something when the total crosses a threshold: it announces that a goal is reached, unlocks a feature, or marks an invoice as covered. It sums the amount of each charge, payment intent or balance transaction.
The watcher says the goal is met, but the balance does not hold that much. Reported case: 7.00 EUR received against a threshold of 6.32; the watcher said met, the ledger counted net 6.18, 0.14 short, and a public page already said the goal was reached. No error is raised: every number the watcher read was correct, it was just the gross.
On the Stripe Balance Transaction object, amount is the 'Gross amount of this transaction (in the smallest currency unit)', fee is the 'Fees (in the smallest currency unit) paid for this transaction', and net is the 'Net impact to a Stripe balance', which you 'can calculate ... by amount - fee'. A charge or payment intent only carries the gross; the fee and the net live on its balance transaction. status is 'either available or pending', so part of the net may not be spendable yet. A refund or dispute is a separate balance transaction with a negative net. And the list endpoint returns up to limit rows per page with has_more, so a watcher that reads one page can also miss rows (PC-016).
Save the snippet as stripe_net_threshold.py and run `python3 -I stripe_net_threshold.py --selftest` (no network, no key). Pass: the last line is `pass` and the exit code is 0. It asserts: the reported case (amount 700, fee 82, threshold 632) is gross_only and threshold 618 is met; pending net gives pending_only; a refund row lowers the sums and a pending refund counts at once; two pages are summed; and it refuses (exit 2) a last page with has_more true, a page without has_more, a duplicate id, mixed currencies, floats and booleans, amount - fee != net, a status other than available/pending, a non-balance_transaction row and a threshold below 1. On real data: save each GET /v1/balance_transactions page and run `python3 -I stripe_net_threshold.py 632 page1.json page2.json`; exit 0 only for met. Not tested against a live Stripe account; exchange_rate conversion is out of scope.
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