#Maz
sand surge
ionic frigate
Sure how can we help?
raven flame
sorry , on a call i'll be back in about 20 mins
@ionic frigate Sorry about that
this isnt a BNPL question but right now we're using standard connect ... if we are moving to express, will we have to ask every account in our base to re-onboard ?
we're running a marketplace... or at least a marketplace model whereby the service providers have to onboard and they get paid directly. We're charging destination fees.
With respect to Afterpay , our MCC is approved for Afterpay but since our solution in for person present services, its very challenging onboarding their services with the cost of BNPL integrated into their pricing as the invoices usually get ammended on site and in person. That being said, can we set up a flow that allows customers to check out with a price for paying by CC and another price for using BNPL ?
ionic frigate
Umm I think there are multiple things here. First why do you want to migrate from standard to express? Yes it will need to ask every account to re-onboard which is a huge effort.
Second I am not sure about BNPL cost model.
And third yes you should be able to setup 2 different Price to use separately by CC or BNPL
raven flame
our account manager has recommended that using destination charges and express is the best integration path
about that ... i know there's a monthly fee of $2/month so thats why we wanted to use standard...
ionic frigate
Yes express + destination charges is the recommended integration, due to the simpler nature of Express account
raven flame
ok thanks for letting me know...
is the $2 / month applied is tghe account is dormant / unused
about the BNPL ... can i get confirmation ? Do we work with your account manager on this ?
using afterpay ... can the payments be made through a credit card or does it have to be a direct debit from a bank account ?
ionic frigate
Hmm can you elaborate on BNPL that you want confirmation again?
raven flame
The system we built is for person present services so liek a locksmith , hairstylist , cleaner delivering their services at the customer's location.
I want to confirm that we can use Afterpay (our MCC code is approved to use Afterpay) and if the checkout price can be different paying by CC or through afterpay. Also , does afterpay accept CC payment or does it have to be direct debits directly from bank accounts ?
ionic frigate
You can think AfterPay as a separated PaymentMethod from Card. When you integrate the API, you will pass in something like
payment_method_types: ['card', 'afterpay_clearpay'],
Here is the Doc for using Stripe Checkout with AfterPay, alongside with card: https://stripe.com/docs/payments/afterpay-clearpay/accept-a-payment
And I think AfterPay does accept CC and direct debit. But you can think AfterPay as a "box" (that your customer can use whatever payment method that AfterPay allow them to), and you just need to integrate Stripe to be able to accept the box
raven flame
ok ... sounds good
ionic frigate
You have the box "card" and the box "afterpay" that you accept from your Customer via Stripe. Inside the box "afterpay", you don't need to think what the customer uses
raven flame
ok Orakaro; we need to make sure that the destination charges are properly applied. Thank you . Do you mind if i reach out if i have any additional questions ?
ionic frigate
Sure. Just ask in the channel and anyone from my team would be able to help depends on the time
raven flame
ok ... sounds good
just before you go , the $2 for the express account , is it charged for dormant accounts ? As in if the account owner doesnt transact for the month... or just during the months that are active ....
ionic frigate
That's something your AM can help with 🙂 In my understanding it counts active if you have payout send to the account's bank that month
so if your "dormant" account is inactive and doesn't have payout probably you don't need to pay $2.
Anw, please clarify with your AM
raven flame
ok perfect. Thank you @ionic frigate ; much appreciated ! Have a great evening 🙂
ionic frigate
You too! and good luck!