bio

[primal remnant]

Separate charges and transfers is the way to do this split, that is the only way to split a charge between more than just you and a connected account.

Looking in to the cross border payout aspect of this

Cross border payouts are only supported for US platforms at the moment from what I can see but they do support all of the countries that you mentioned. https://stripe.com/docs/connect/cross-border-payouts

If you write in to our support team they should be able to help you figure out what account structure you would need to support your business case here https://support.stripe.com/?contact=true

[glossy loom]

Thank you for your response.
Could you clarify about separate charges and these restirctions
https://stripe.com/docs/connect/account-capabilities#transfers-cross-border
Do they affect our case?

[primal remnant]

That depends actually. Are you going to have a Stripe account in each of those countries that you mentioned?

Basically what that is calling out is that you typically need a UK account to transfer to UK merchants, an AU account to transfer to AU, etc

But with cross border payouts, you can send to basically any of those countries from a US account.

So what might need to happen is something like you taking the payment on your US account and transferring those funds to your accounts in each country which can then pass funds on to the creators.

[glossy loom]

If we will create accounts in each country, can we work in API as one account?

[glossy loom]

Can we do it with stripe API?

[primal remnant]

Yes, the first part would be a standard separate charges and transfers flow https://stripe.com/docs/connect/charges-transfers

And then you can use the secret keys of your platform accounts in each country to make further transfers from there

[glossy loom]

oh, wait, for example
I have 4 accounts for each country.
I will create USA customers and connected accounts in the USA stripe account, Canada customers and connected accounts in the Canada stripe account and etc
And I can create separate charges for a customer from USA stripe account to the Canada stripe account?

[primal remnant]

Yes that is the flow I was describing. You can take the payments on the US account and transfer them to your other country accounts as appropriate

Though to be clear that would only be necessary if you definitely need to pay out funds to creators in multiple of the countries that you mentioned. For example, your Canadian account would be able to take payment from a customer anywhere and pay out to Canadian accounts, but I think it would be blocked from paying out to Australian accounts given current restrictions

[glossy loom]

should I anywhere set up these stripe accounts to be shared with their customers and connected accounts or is this enabled by default?

[primal remnant]

Not quite sure what you mean there, can you expand on that?

[glossy loom]

Yeah, sure, for example

curl https://api.stripe.com/v1/payment_intents \
  -u KEY_FROM_UK_STRIPE_ACCOUNT: \
  -d "amount"=10000 \
  -d "currency"="usd" \
  -d "transfer_group"="{ORDER10}"

curl https://api.stripe.com/v1/transfers \
  -u KEY_FROM_CANADA_STRIPE_ACCOUNT: \
  -d "amount"=7000 \
  -d "currency"="usd" \
  -d "destination"="{{CANADA_CONNECTED_STRIPE_ACCOUNT_ID}}" \
  -d source_transaction="{CHARGE_ID}" \

curl https://api.stripe.com/v1/transfers \
  -u KEY_FROM_AUSTRALIA: \
  -d "amount"=2000 \
  -d "currency"="gbp" \
  -d "destination"="{{AUSTRALIA_CONNECTED_STRIPE_ACCOUNT_ID}}" \
  -d source_transaction="{CHARGE_ID}" \

Will it work? Or do I misunderstand how it works?

[kind frigate]

Hi 👋 I"m stepping in for @primal remnant Give me a sec to catch up

[glossy loom]

Hi, @kind frigate, thank you, I will wait your response 🙂

[kind frigate]

Okay, I'm having trouble grasping what it is you are attempting to do here (also it's pretty busy, sorry about the delay)

Have you looked into cross-border payouts? Also, as @primal remnant suggested at the top, these questions are kind of outside our scope since they touch on international banking regulations. Support would be better at informing you which countries you can/cannot transfer funds to.

[glossy loom]

Yeah, sure, I've looked cross-border, but It works only in US
@primal remnant suggested using multiple stripe accounts for each country and I try to understand how it should works

[glass ferry]

👋 stepping in as Snufkin and Pompey needed to step away

If you don't have a US platform then yes, multiple Platforms for each region would be the proper path here.

[glossy loom]

Hi, @glass ferry thank you for your response.
Please could you clarify, how I can use multiple Platforms and transfer money between them?
For example, I want to transfer money from a customer on my UK Platform to the connected accounts on my AU and CA Platforms

[glass ferry]

That isn't possible.

You would accept payments to your AU platform to then transfer to your AU Connected Accounts

Same with your CA Platform to your CA Connected Accounts

The other option is to use Destination + on_behalf_of. This allows you to transfer funds cross border

See: https://stripe.com/docs/connect/destination-charges#settlement-merchant

[glossy loom]

I think on_behalf_of in the separate charges works the same, right?
Please could you clarify how I can use this example? #1030489793412481074 message

[glass ferry]

No it does not.

You can't settle these funds into your platform and then transfer them cross border

That example isn't possible.

You have to create the Charge on the Platform that is in the same region as the Connected Account

[glossy loom]

If I understand correctly, our customers(brand) can employ connected accounts (creators) from multiple countries(US, UK, CA, AU) and we have only one way to do this using cross-border payout for US platforms, right?