#pxue - CA Connect USD
remote wasp
gray cloak
Yes
rose wind
What if the customer also need to pay Canadian users with PAD?
do we need to route the payments through our Canadian and US platform account based on the payment method?
gray cloak
That is very tricky. ACH as a payment method is only available in the US (including the Platform Account).
https://stripe.com/docs/payments/ach-debit
PAD payments are sometimes available for USD transactions in the US
https://stripe.com/docs/payments/acss-debit
But I think you would need to know which Customers needed to do what and route them to the right accounts
rose wind
Ok got it.
Does having standard connected account not override where our platform account is located?
For example, our US user have US based connected accounts. We're using on_behalf on checkout to route the payment.
I guess moving to this flow?
https://stripe.com/docs/connect/enable-payment-acceptance-guide
gray cloak
Yes that would work
rose wind
OK just spitballing here, but this means saved payment method is not saved across the platform correct?
ie. saved ACH bank account would be saved directly to the US standard connected account?
gray cloak
Correct. On Standard Accounts all Customers, Payment Methods, and payments occur on the Connect Account
gray cloak
Sure thing. If you haven't I would recommend reviewing this doc https://stripe.com/docs/connect/accounts and the related ones on account details. There may be some aspect of your use case we haven't discussed where one account type or another wouldn't work and I'd hate for you to get locked into one type of integration and only learn later that it won't work.
rose wind
Got it. thank you
the key use case is that we want the Customer to manage and store payment method (card / ach / pad) on our platform account, and we can simply charge against it for the User automatically*
Seems like only way to do this is via two platform accounts
gray cloak
Correct
gray cloak
International banking regulations are FUN
rose wind
😂 yup
Last question, have to ask:
is there a way to migrate a platform account from Canada over to US?
rose wind
OK, what about connected accounts? any way to migrate them over to new account?
i guess are there any way to migrate anything between accounts
gray cloak
Not really migrate, you can clone objects but for the most part that is just copying the raw data into a new record.
You are still creating something new. And we don't like the term "cloning" even if it's what the docs say because the two objects are not linked and won't stay in sync with each other.
rose wind
Just to clarify. I would be creating a new connected account with a new account id on the US platform account, that may have the same data as the one created on the Canadian platform account?
gray cloak
Correct, if you wanted to have the same Customer records or rather new Customer records on the new account that represent the same actual person
rose wind
Got it