Payment Intent issues Stripe Connect - php

Question

I am developing a small online marketplace in WordPress for a client and I am using Stripe Connect. What I am trying to accomplish is:
User A is posting a project, User B bids for this project, gets accepted and delivers the work.
User A now has to pay the agreed amount for the deliverable
User A gets his card charges, Platform account gets the application fee, Stripe gets the Stripe fee, User B gets paid with the remaining amount
I have created the following function with payment intent, destination charge and application amount fee as described here: https://stripe.com/docs/connect/collect-then-transfer-guide
function destination_charge(){
// Set your secret key. Remember to switch to your live secret key in production!
\Stripe\Stripe::setApiKey('sk_test_xxxxxxxxxxxxxxxxxxxxxxxxxxxxx');
$payment_intent = \Stripe\PaymentIntent::create([
'payment_method_types' => ['card'],
'amount' => 1000,
'currency' => 'usd',
'application_fee_amount' => 123,
'transfer_data' => [
'destination' => 'acct_UserB',
],
]);
}
So if I understand the docs and the concept correctly, when User A triggers the above function, User A gets charged $10 on his card, application takes $1.23 fee and User B gets the remaining amount. Stripe deducts its service fee from the application. Although I am not charging anything from a form, since User A is a verified connected account with card details already in Stripe Connect.
Unfortunately this is not the case though and even if I try separating charges from transfers, as described here: https://stripe.com/docs/connect/charges-transfers, it's not working either.
Stripe Connect is setup for US businesses, USD currency. I am using Express Accounts on a test environment.
Side note: I already tried using top-ups in order to add test funds and create balance, but the "add to balance" button is not available for some reason. https://stripe.com/docs/connect/top-ups
What am I missing here? Is destination charges the right choice for what I am trying to accomplish?
Any suggestion would be helpful.
Thanks.

Answer 1

You can try to use the stripe-account header. By using this, you are simply making the request on-behalf of the connected account. The payment will automatically be credited to the connected account.
$payment_intent = \Stripe\PaymentIntent::create([
'payment_method_types' => ['card'],
'amount' => 1000,
'currency' => 'usd',
'application_fee_amount' => 123,
], ['stripe-account' => 'acct_UserB']);
}
\Stripe\PaymentIntent::confirm(
$payment_intent->id,
['payment_method' => 'pm_card_visa']
);