#kieran-connect and cards
rain mason
are you storing the information directly on the Connect Account?
soft mason
yes, on the main account
rain mason
the main account being the Platform?
rain mason
in that case you could refer to this doc https://stripe.com/docs/connect/cloning-customers-across-accounts
soft mason
But we are not connecting the other Connect app in any way
Since we are different companies that can not share everything.
I did find this one, but it says that accounts have to be connected.
Are there maybe permission settings when conencting accounts? And can you connect 2 connect accounts without giving permission to any of the sub-accounts?
rain mason
do you mean the 2 Accounts are Standard Standalone accounts?
soft mason
No we have two marketplace companies, with thousands of connected accounts, but want to share certain credit cards for payments
So basically there are two platform accounts
And how do we share/clone across those two
rain mason
I don't think that's doable in that case
soft mason
So we should an external party to vault credit cards then?
rain mason
I have an idea that a colleague proposed
which might be a solution for your situation
soft mason
Awesome
rain mason
the idea is that you can make Platform A a Connect Account of Platform B and vice versa (or maybe you just want it in one way)
and then use the cloning
bare in mind that if Platform A becomes a Connect Account of Platform B that doesn't give Platform B access to Platform A's Connect Account
which means the separation is still there between the 2 businesses
rain mason
they will remain as Standard Accounts
soft mason
Awesomeness
rain mason
you'd have to connect one to the other using OAuth https://stripe.com/docs/connect/oauth-standard-accounts
soft mason
So the account that needs to store the cards, needs to add the processing platform as an account
Then we can clone customers or cards over?
Sounds great
rain mason
yes 🙂
soft mason
Can you restrict what you give access too as well? And what is the minimum access we need for cling cards?
I doubt getting access to GMV etc will be an option
How granular can you set up access?
rain mason
not really granular it's either read-only or read-write
soft mason
Ok I'll experiment with this
rain mason
so keep in mind that the top platform would be able to see everything on the Connect Platform
but not on the Connect Platform's Connect Accounts
soft mason
yes exaclty. I'm nt sure if that will work for us
rain mason
if that makes any sense at all
soft mason
yes 100%
rain mason
the other solution would be to create a top Platform
soft mason
A top platform as a shared vault
Ah smart
but hen still whoever has access there can see both 🙂
but yes I see how it works
rain mason
yes
rain mason
no we don't have this feature
soft mason
Are there any examples you know of that use this structure I'm talking about?
Other companies doing this?
rain mason
I'm not sure
soft mason
Ok, I'll go scheme out some things, Maybe a combination of what you have will work where we clone a few times
Thanks for you time!
rain mason
let me know if you need any more help
soft mason
I see a solution where we utilize 5 accounts and share between them so we do not see anything from our accounts. Is it possible to open multiple Stripe Connect accounts not for processing but just for passing along customer data and cloning them?
And one more question, is there any managed solution from Stripe where we can have an in-between account where both connect to, but not have access to the Connect account so we cannot see each others accounts?
Thats all!
woven topaz
None of what you're after is really possible
with Connect you basically get full access to those accounts when you're the platform and there's no way around it
if those are separate/independent businesses then the Connect solution can't work and really you'll have to collect card details twice basically
soft mason
So the idea your colleague talked about is not real? The one with the account in the middle?
If you add two more into the mix you build a shell across the GMV etc and just have a vault account for each business that will connect to one in the middle
woven topaz
It is real but you still get full access which you were reticent about. If they are all legal entities for the same business like your accounts in US/CA/FR/SG and such it makes sense. If they are completely different businesses then it makes less sense unless they are willing to basically give you full access to their account
soft mason
I do get that, but I'm talking about setting up three additional Connect accounts
This way we can pass along information to each, without having access to the end accounts
Example:
Platform A (Business A)
Platform B (Business A)
Platform C (Connect Platform B + Platform D)
Platform D (Business B)
Platform E (Business B)
This way Platform A or E will never be able to see each other, only the Platform B and D are visible, but those are used for vaulting only
Let me know if that makes sense
woven topaz
I don't really understand what platform versus business could mean or entail
but ultimately it's really simple. If you want Account A to be able to "clone" cards on another account X then A has to be a platform and X has to OAuth to A
soft mason
Platforms are Connect accounts that are managed by a busniess
We connect the platforms so we can clone cards
If we add the layers in the middle we can clone them from A to B to C to D to E without Platform A and E seeing their accounts this way
Busniess A can see Platform A b C
Business B cn see Platform C D E
rain mason
if what you're describing is this
C
/ \
B D
/ \
A E
then C would have access to both B and D
soft mason
yes
this way we layer one more account so hide access between A and E
B and D are just for hiding information and transfering cards
A and E are the real accounts
soft mason
yup, both can have access
woven topaz
Like I'm sorry but you're going down a path that makes no sense honestly. It'll take you like 8/10 requests just to charge one card
soft mason
but they wont have access to both A and E this way
woven topaz
does it technically work? yes
Should anyone do this? absolutely not
soft mason
so you are saying, Stripe does not provide solutions for real world busines problems?
woven topaz
I mean you can summarize it that way if you want, just your approach won't really work. Do we support "cloning cards and nothing else"? No we don't. We don't support every business model out there that's correct
soft mason
Credit Card vaulting is a pretty old concept
It's fine if you do not do that, butwe'll just find another partner that will then
I'm just trying to understand
It feels like you are a bit annoyed with me
woven topaz
We offer credit card vaulting. Dozens of companies do this like Spreedly for example
But it all relies on Connect and having full access to the account
So we don't do it the Braintree way where it's "just" a "PAN forwarding API"
soft mason
Or the Spreedly way
woven topaz
soft mason
Or Square
woven topaz
But we do what Spreedly does. They use Stripe (or many other processors) so clearly it works fine. But Spreedly stores PAN themselves, they are the vault
soft mason
Yes I know, I work with them for 10+ years already
woven topaz
Yeah like you clearly seem to understand this well. If your question boils down to "do you support PAN forwarding" then we unfortunately do not. We want to but it's not something we offer yet
soft mason
Ok 👍
Is there any way to be in on any alpha releases or updates around this?
With Square I'm in their alpha API's, do you have something similar?
woven topaz
yes and no. We have tons of alphas and betas but no "official channel" and we don't have an alpha for it
soft mason
Ok thanks for your time!
woven topaz
Do you have an account id? I can at least flag it to the team that is looking into such a feature
soft mason
I think I'll use Spreedly to distribute the payment methods then
That would be awesome, acct_1GyKRcHl9syw5FEh
Appreciate it!
woven topaz
awesome! And thanks for the patience/back and forth!