#rico-connect-flows
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rico-connect-flows
Hey @slim wedge they are different "flow of funds"
The one with on_behalf_of is called a Destination Charge: https://stripe.com/docs/connect/destination-charges
The other one is called a Direct Charge: https://stripe.com/docs/connect/direct-charges
Which one to use depends a lot on your integration, especially which Account type you are using: https://stripe.com/docs/connect/accounts
We are using a Custom Account, and I'm setting an "Application Fee" which appears to be getting transferred appropriately back to our main account from the funds collected. This seems to be doing what we would want when I'm testing things out. Is there a reason we would want to use a Destination Charge instead?
Ah yes if you use Custom accounts you should absolutely always use Destination charges. Never use the RequestOptions solution. Follow the doc as https://stripe.com/docs/connect/destination-charges
OK, what is the downside of using direct charges in this case?
It's just the wrong integration. As a platform, you want everything to happen in your own platform account where you can control everything, see disputes, all customers, all payments, etc.