rlara

[leaden ginkgo]

Hi there

Sure happy to help.

Do you have an example account that I can look at?

Are you using Express Onboarding or are you using OAuth for account creation?

[silver cedar]

Hi, thank you for replying. I'm using the express onboarding.

As I understood, I can setup the Payment methods that the marketplace want to make available for the (express) connected accounts. And during onboarding, I can choose from these payment methods, which ones should be setup for each connected account. Is it correct?

My "testing stripe account" is --stripe-account=acct_1Lua9xKgvUE5mb5Y

[leaden ginkgo]

Kind of. What charge flow are you using?

Are you using destination charges?

[silver cedar]

The requirement is, that all the payment transactions should occure between the seller and the buyer. The marketplace should not be involved. Thus using Stripe connect and the express connected accounts.

That means, Stripe should payout the sellers on their bank account (external account). I'm actually unsure if it was destination charges for the payouts.

[leaden ginkgo]

Hmm okay well a bit of this will be determined by whether you are using Direct Charges (creating payments on the Express accounts, which we don't recommend for Express) or whether you use Destination (with on_behalf_of) and payments are on your platform and then transferred immediately to the Express Account

[silver cedar]

That's good to know!

Bismarck, what about the capabilities?

Can you help me to find out what I'm doing wrong with the configuration of the capabilities per stripe account and per (express) connected account?

[leaden ginkgo]

Trying to look at your account above but this account appears to be your platform account

And I'm not seeing any Connected Accounts for that platform.

Do you have an example Connected Account that I can look at where you are seeing more capabilities than you requested?

[silver cedar]

That's an account for trying stripe. We were evaluating other services as well.

[leaden ginkgo]

Yeah that's fine. But you stated above that you fetched the capabilities and saw ones that you didn't turn on?

[silver cedar]

Tha's right. The connected accounts were created in tests-mode.

[leaden ginkgo]

Okay can you provide one of those Connected Account account IDs? I don't see any for that platform that you provided above.

Overall, you shouldn't be seeing more capabilities than you requested.

[silver cedar]

That's right I deleted all test date. Give me a second, I'll create one.

[leaden ginkgo]

Sounds good

[silver cedar]

acct_1M7KRYQSAxMNt4iI

[leaden ginkgo]

Looking

Okay so looks like you only requested transfers/card_payments for that account

[silver cedar]

My problem is the following:

1. I want to define a set A of payment methods for the stripe account (marketplace)
2. I want that during the onboarding process on our site, the customer can choose between the payment methods defined in 1)
3. I want to fetch per REST-call the defined payment methods for the marketplace stripe account so I can provide the returned methods to the customer and he/she can choose between them for their respective connceted accounts.

That means, I can specify payment methods a,b,c,d, and the customer can choose from these 4, for instance customer 1 chooses a,c and customer 2 b,c,d for their corresponding connected accounts.

[leaden ginkgo]

When you retrieve the account, what capabilities do you see?

[silver cedar]

1 second

{
"id": "acct_1Lua9xKgvUE5mb5Y",
"object": "account",
"business_profile": {
"mcc": "5734",
"name": "nApps",
"product_description": "Development of mobile apps",
"support_address": {
"city": null,
"country": null,
"line1": null,
"line2": null,
"postal_code": null,
"state": null
},
"support_email": "[e-mail]",
"support_phone": "[phone]",
"support_url": null,
"url": "www.rubenlara.de"
},
"business_type": "individual",
"capabilities": {
"bancontact_payments": "active",
"blik_payments": "active",
"card_payments": "active",
"cartes_bancaires_payments": "pending",
"eps_payments": "active",
"giropay_payments": "active",
"ideal_payments": "active",
"klarna_payments": "active",
"link_payments": "active",
"p24_payments": "active",
"sepa_debit_payments": "active",
"sofort_payments": "active",
"transfers": "active"
},

But I actually have only turned on 6. That's what I don't understand.

When I call

stripe capabilities list acct_1Lua9xKgvUE5mb5Y

I get 12 active (and required!) capabilities too. But as I said, I only turned on 6.

[leaden ginkgo]

Yeah you aren't listing capabilities on the right account. That is listing capabilities on your platform.

You need to be retrieving the Connected Account, not your platform

[silver cedar]

That's right and fully correct. But I still don't understand why I turned on 6 methods for the platform accounts (settings > payment methods at https://dashboard.stripe.com/settings/connect/payment_methods but when fetching the capabilities for the platform account I get 12 active accounts and 2 pending.

[leaden ginkgo]

Okay yeah I see the confusion

Capabilities aren't really a thing on your platform

They are only designed for Connected Accounts to manage their onboarding/verification requirements.

[leaden ginkgo]

With direct accounts (platform accounts), all capabilities are requested by default.

So that is why you see all of them show up when you retrieve your account

[silver cedar]

Oh, I see.

[leaden ginkgo]

Then you can manage which ones you actually want to use (if you are using Checkout or Payment Element) via the Dashboard.

[silver cedar]

Do I understand it right and I can unrequest a payment method?

How can I do that if it is possible?

[slate timber]

Yes, we have a section on that in the "Payment Methods" section of this doc. It lists the capabilities assosciated with various payment methods https://stripe.com/docs/connect/account-capabilities

[silver cedar]

I'll take a look on it. Thank you!