jr

[slow scarab]

Do you mean that you would like to use platform secret key to create a charge on the connected account?

[restive storm]

No, what I mean is that I want to charge the debit card that a connected account has associated with it.

[restive storm]

In my app the customer can pay the driver in cash, so I somehow need to collect the cash from the driver.

[slow scarab]

What type of connected account are you using? Standard, Express or Custom?

[restive storm]

Custom

It is app like Uber

I want to do it with the api intent

[slow scarab]

There are two possible ways to do this:

1. Charge application fees in PaymentIntent during payment with Destination Charges: https://stripe.com/docs/connect/destination-charges
2. Debit Custom connected account: https://stripe.com/docs/connect/account-debits

I'd recommend option (1) as you will be able to collect the fees directly during the payment.

[restive storm]

Mmm... I'm not convinced by the options you gave me, because the driver must deposit the money to my company account.

I can't see with the options you gave me how to achieve what I just described.

[slow scarab]

If it's a cash payment and you would like to debit from the connected account, you can use option (2) which it will deduct from connected account's balance. If the connected account's balance becomes negative, Stripe may auto debit the external account on file, depending on what country the connected account is in.

[restive storm]

Can't I just charge the bank card that the driver has associated to the connected account where his weekly money is transferred ?

I think it's the easiest thing to do, don't you?

[slow scarab]

Debiting from connected account's external account directly is not possible. Stripe will always deduct from connected account's balance (which it will be paid out to) first, then debit from external account if the connected account's balance is not enough.

Since connected account's balance still stays within Stripe, it guarantees the balance is always available to be debited if there's any. However, connected account's external account may not be available to debit all the time (for example, not enough money in the bank account/card).

[restive storm]

So what you are saying is that if I make a charge to the driver card, the money will be deducted from the driver's connected account?

[slow scarab]

Yup! When you make a charge to the connected account, Stripe will debit from driver's connected account balance first, then may auto debit the external account on file (depending on what country the connected account is in)

[restive storm]

So what options would I have ? It's not very clear to me how I would achieve this with the options you gave me.

[restive storm]

Could a new debit card be associated to a connected account and the driver could deposit the money there and I would charge it with the api intent ?

[slow scarab]

Connected account doesn't support deposit functionality. What you can do is to charge to connected account. It'll be debit from connected account balance and driver's external account/debit card if the balance is insufficient.

Alternatively, you will treat the driver as a normal customer and charge to them on your platform. This will be independent from connected account and no knowledge of connected account's external account/debit card.

[restive storm]

I asked you if you can charge a debit card to a connected account ? No, if I can make a deposit to the connected account, please pay attention to what I am saying.

[slow scarab]

if you can charge a debit card to a connected account ?
Charging debit card/external account on a connected account directly is not supported.

if I can make a deposit to the connected account
Making a deposit to a connected account from driver's debit card/external account is not supported.

Few options for charging connected account owner left will be:

1. Debit from connected account balance: https://stripe.com/docs/connect/account-debits
2. Charge the connected owner like any customer on your platform to collect deposit: https://stripe.com/docs/payments/accept-a-payment

[restive storm]

I don't know why you keep sending me information on whether or not it is possible to make a deposit to a connected account. I don't know if it's a language problem and you are not understanding what I'm saying, could you please pass the thread to someone else who can give me support, I have more than two hours and you have not managed to give me information that is helpful to achieve what I want with stripe.

[solar oyster]

Hi @restive storm I'm Jack and I work with river

Let me go through the previous discussion.

[restive storm]

Hi Jack! Good evening, I apologize for the time, I know it's a little late, I'm in Mexico, I'll explain what I need and if you don't understand something please feel free to tell me if you understood me.

[solar oyster]

No problem at all. If I can summarize, basically you want to move funds from the connected accounts to platform, am I right?

[restive storm]

No jack

Look we are developing an Uber type app, as you know the client can pay in two ways, with his card or with cash.

When the customer pays in cash, we store in our database what the driver has collected in cash, then on Tuesdays the driver has to pay us the money in cash.

[solar oyster]

Are the drivers in your system considered as customers (you collect money from) or connected accounts (you transfer funds to)?

[restive storm]

So in order for the driver to pay us he deposits the cash to his card and then he clicks the pay button and at that moment we charge the card where he deposited the cash.

[restive storm]

Drivers have their account connected

So what I was asking river is if I can charge the driver's debit card with the api payment intent?

As when I charge a customer for a trip

[solar oyster]

OK. As river explained earlier. The platform can't charge the external_account of a connected account, the external_account is for payouts, not pay-ins.

Here's a workaround that you can consider. You can also add your drivers in your account as customers, and use SetupIntent API to collect their credit card info, in this way you can create off_session charges on the drivers.

[restive storm]

Ok, then the driver would not only create his Connect account but also create a custumer account and store his card there so I can charge him the cash payment.

[solar oyster]

Yes you are right.

[restive storm]

Does Stripe charge for customer accounts?

[solar oyster]

You mean the pricing? https://stripe.com/connect/pricing

[restive storm]

Yes, look stripe here in Mexico charges 35 MXN for each connected account that is created, my question is if it also charges for each customer account that is created ?

[solar oyster]

Ah, no. creating a customer in your account doesn't incur additional fee.

[restive storm]

Ok, thank you very much jack, you have helped me a lot

[solar oyster]

Welcome! happy to help.