samlll42 | Stripe Developers | Page 1

swift irisBOT Oct 7, 2022, 8:20 PM

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woeful condor Oct 7, 2022, 8:21 PM

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Hi there!

glass rivet Oct 7, 2022, 8:21 PM

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Hey!

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we have a merchant with multiple locations each location has a separate bank account (they want to keep their finance seperated) can they have multiple bank accounts under the same Connect Stripe account or will they need one stripe account per location?

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we can pass an identifier when we call the Stripe API based on the location - is that supported?

woeful condor Oct 7, 2022, 8:26 PM

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It's possible for a given Connect account to have multiple external accounts/bank accounts. It's not possible to specify on the charge which bank account should be used to pay out the funds

glass rivet Oct 7, 2022, 8:27 PM

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I see... so if they have multiple bank accounts all the charges go to the same/default one ?

woeful condor Oct 7, 2022, 8:32 PM

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It depends. To pay out to an external account that is not the default one, manual payouts would need to be used, and the destination value when creating the payout would need to be the appropriate external account ID: https://stripe.com/docs/api/payouts/create#create_payout-destination

glass rivet Oct 7, 2022, 8:34 PM

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Thanks - But here we are talking about payments they get from their customers processed through our platform on their Stripe Account, not payouts to 3rd parties

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Does that make sense?

woeful condor Oct 7, 2022, 8:36 PM

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I'm not sure I follow.

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Let me know if this is an accurate summary of what we're discussing: Customers are making payments. Funds from these payments are being added to a Connected account's balance on Stripe. The Connected account would like to be able to transfer funds from that balance to different bank accounts of theirs.

glass rivet Oct 7, 2022, 8:37 PM

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Correct

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I guess the only part that i am not sure I understand is the payment to the bank account is automated daily - right?

woeful condor Oct 7, 2022, 8:39 PM

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Daily payouts happen if automatic payouts are enabled. In order to choose to send funds between a connected account's bank accounts, payouts will need to be switched to manual for that particular connect account

glass rivet Oct 7, 2022, 8:43 PM

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I see

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so basically either they do manual pay outs and use some kind of indicator we passed when we process the charge to determine what goes were , or we set them up with a separate Stripe account per Location and connect to each Stripe account

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Can we link multiple Stripe account so they can share the same customers /payment methods across multiple accounts?

woeful condor Oct 7, 2022, 8:49 PM

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That's right

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Connect + destination charges is really the only way to do that: customers and their payment details are stored on the platform account, and charges are made by specifying a destination connect account: https://stripe.com/docs/connect/destination-charges#create-a-charge

glass rivet Oct 7, 2022, 8:55 PM

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I see - hold on my colleague is joining as well he is more familiar than me with how we did our integration - Currently i believe we store payment methods on the connect account not the platform

woeful condor Oct 7, 2022, 8:56 PM

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Got it. It's not possible to share/clone/use the same customers stored on one connected account with another connected account.

glass rivet Oct 7, 2022, 8:57 PM

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That makes sense - we may have to change our implementation somehow to support that

chilly solstice Oct 7, 2022, 9:08 PM

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Yes, in our current integration, we create all the payment methods on the connected account.

chilly solstice Oct 7, 2022, 9:09 PM

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woeful condor Got it. It's not possible to share/clone/use the same customers stored on one co...

Is this because you can only have a payment method on one customer at a time?

austere gulch Oct 7, 2022, 9:37 PM

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No, you can have multiple Payment Methods to a customer.

glass rivet Oct 7, 2022, 10:02 PM

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Thanks for the help

#samlll42