tranchi | Stripe Developers | Page 1

severe talonBOT Dec 1, 2022, 5:55 PM

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zinc tusk Dec 1, 2022, 5:55 PM

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Hi there

steep mural Dec 1, 2022, 5:55 PM

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Hi!!

zinc tusk Dec 1, 2022, 5:56 PM

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So you want to collect in-person payments and then distribute those funds to a variety of merchants?

steep mural Dec 1, 2022, 5:56 PM

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yes but not with stripe readers

zinc tusk Dec 1, 2022, 5:56 PM

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Ah

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So you take payment via a 3rd party then want to distribute those funds via Stripe

steep mural Dec 1, 2022, 5:56 PM

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for example on square

zinc tusk Dec 1, 2022, 5:57 PM

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Hmm the way this would work would basically be for you to top up your platform account and then distribute the funds that way.

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That said, I'd recommend reaching out to our Support team to check on the regulatory side of this and ensure this model is supported.

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I feel like it may be seen as a sort of "money laundering"

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But I really don't know the regulatory side

steep mural Dec 1, 2022, 5:58 PM

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We saw a few competitors that are integrated in thirdy part apps

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for example: customers pay on square a b&b recipt with also service fees. We, as a platform, want to collect service fees and send them directly to workers without them going through the company's accounts

zinc tusk Dec 1, 2022, 6:03 PM

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Yep it is definitely possible. The easiest way is via utilizing top ups (https://stripe.com/docs/connect/top-ups) as I noted above. I'm just recommending you do your due diligence and double check that this model is indeed supported as I don't handle that side of things

steep mural Dec 1, 2022, 6:08 PM

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mmm thank you this is helpful...unfortunately we are based in EU ( even our competitors 🤔)

zinc tusk Dec 1, 2022, 6:09 PM

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Ah

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In that case you could "charge yourself" to move funds into Stripe and then distribute.

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But like I said... that seems like money laundering to me

steep mural Dec 1, 2022, 6:12 PM

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what if ..We automate pay-in from merchant with bank charges?

zinc tusk Dec 1, 2022, 6:13 PM

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Oh if the merchant is going to be the one paying you then yeah this is fine

steep mural Dec 1, 2022, 6:14 PM

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yeah it's very tricky what we want to achieve....we want to avoid that service fees pass through company books

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and we cannot find a way to do it...

lofty saffron Dec 1, 2022, 6:16 PM

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Hello! I'm taking over and catching up...

steep mural Dec 1, 2022, 6:17 PM

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one solution could be that our stripe platform have a "iban" and so tell the card machine to split the 2 payments: the first will go to meerchant bank account and the second into the connected account

lofty saffron Dec 1, 2022, 6:19 PM

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Read the previous conversation and I'm not sure what else to suggest. One thing I will say is that our support folks are more experienced with logistical/regulatory/fees/funds flow questions than we are here (we're focused on developer questions), so you'll likely have better luck talking to Stripe Support.

steep mural Dec 1, 2022, 6:20 PM

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we have already tried Rubeus but maybe it's a too specific request

lofty saffron Dec 1, 2022, 6:22 PM

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It's important to be very crisp and very detailed when writing in to support. Including examples helps.

steep mural Dec 1, 2022, 6:22 PM

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our idea is to integrate our app in card machines because otherwise we need to ask customers to complete 2 different payments (for the bill and then through our app for service fees)

lofty saffron Dec 1, 2022, 6:22 PM

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When you say "card machines" what do you mean exactly?

steep mural Dec 1, 2022, 6:22 PM

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pos

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terminal like square

lofty saffron Dec 1, 2022, 6:23 PM

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Really the only way we support card-present transactions is with Stripe Terminal and our own readers, or with tap-to-pay on phones which support the feature.

steep mural Dec 1, 2022, 6:25 PM

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Got it Rubeus..I don't know how our competitors have achieved this feature 🤷🏻

lofty saffron Dec 1, 2022, 6:25 PM

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Are you sure they've actually done something like this?

steep mural Dec 1, 2022, 6:26 PM

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yes yes, they split the transaction made on a terminal

lofty saffron Dec 1, 2022, 6:27 PM

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Can you point me to what they're doing? Like a website or something?

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Maybe I'm misunderstanding something.

steep mural Dec 1, 2022, 6:32 PM

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is this helpful?

lofty saffron Dec 1, 2022, 6:37 PM

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Kinda... but what I don't understand is how you would do this with Stripe without using Stripe Terminal. I do understand how you would do it with Stripe Terminal, but not without.

steep mural Dec 1, 2022, 6:37 PM

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yeah that's the point

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maybe these systems use stripe but they are different platform so I think they cannot communicate

lofty saffron Dec 1, 2022, 6:39 PM

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To clarify, TableYeti is doing what you want, and you know they use Stripe?

steep mural Dec 1, 2022, 6:47 PM

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no table yeti is a terminal like square, we would like to process the transaction like "tipjar"

lofty saffron Dec 1, 2022, 6:53 PM

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So what company has the card reader/Square integration? Is that your company or another company?

steep mural Dec 1, 2022, 7:18 PM

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Tipjar

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no our company doesn't have integrations yet

lofty saffron Dec 1, 2022, 7:26 PM

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What I mean is, in the hypothetical scenario you want, is the company that controls the card reader integration the same company that distributes tips to the people in the top right of the diagram, or are they separate companies? To put it another way, I'm not clear which companies are involved an who owns which pieces.

steep mural Dec 1, 2022, 8:16 PM

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they are separate companies Rubeus. We are the company that manage only the "tips" and we want to integrate our system in an other that collects everything in just one transaction

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