uzelac | Stripe Developers | Page 1

pastel ivyBOT Dec 28, 2022, 7:00 PM

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mystic sapphire Dec 28, 2022, 7:00 PM

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Hello!

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Hmmm let's back up a bit here

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What's the use-case and model at a high level? What are you trying to do exactly?

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(let's make sure you are going down the right path to begin with)

rich crystal Dec 28, 2022, 7:03 PM

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Let's use Cameo as an example. Let's say I a customer want to purchase a personalized video from Justin Bieber. I am an account that purchases and Justin Bieber is an account that sells, and Cameo facilitates the process. How would the stripe mental model be used here to send a payment to justin beiber from my account and for cameo to take a cut

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I am using Stripe Connect to collect payments and to facilitate payouts

mystic sapphire Dec 28, 2022, 7:05 PM

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Gotcha so this isn't really two Stripe accounts buying from each other, right? This would be an end-customer (you) buying from a Connected Account (Justin Bieber) via the Platform (Cameo)

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So what type of Connected Accounts are you using?

rich crystal Dec 28, 2022, 7:06 PM

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Correct. I am using "express" accounts but maybe that is not the best one for this use case

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I'm following the "react native" docs here:

https://stripe.com/docs/connect/collect-then-transfer-guide

Specifically step 2.1

Collect payments then pay out

Collect payments from customers and pay them out to sellers or service providers.

mystic sapphire Dec 28, 2022, 7:08 PM

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Got it

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Okay with Express accounts you want to use Destination Charges

rich crystal Dec 28, 2022, 7:08 PM

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I'm guessing the connected account (Justin Bieber) would set up their account to collect payments and have the ability to pay this balance out. And the end customer would send Payment Intents to Justin Bieber and the payment would be captured when the video is sent?

mystic sapphire Dec 28, 2022, 7:08 PM

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Not exactly.

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Let's clarify a couple more things first

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Are your Connected Accounts all going to be in the same Country as you

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Or same region if you are in the EU

rich crystal Dec 28, 2022, 7:09 PM

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Let's assume yes for now. (All In USA)

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Also I cant tell you how much I appreciate your insights. I'll be sure to share this knowledge with others as well

mystic sapphire Dec 28, 2022, 7:11 PM

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We are here to help!

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Okay and when your customer pays Justin Bieber, do you want them to see information about Justin Bieber on their bank statement, or information about your platform?

rich crystal Dec 28, 2022, 7:12 PM

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I have no preference here. Whatever is simpler.

mystic sapphire Dec 28, 2022, 7:13 PM

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Not hard to do one or the other but you can decide that later

rich crystal Dec 28, 2022, 7:14 PM

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We can go with Justin Bieber for now to give us something to aim for

mystic sapphire Dec 28, 2022, 7:14 PM

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Okay and last question, how are you going to collect payment method details? Are you using Stripe Checkout? Or a custom flow with Stripe Elements?

rich crystal Dec 28, 2022, 7:15 PM

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Custom Flow with stripe elements to keep the user in the mobile app so they don't need to be navigated out to a webview

mystic sapphire Dec 28, 2022, 7:17 PM

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Ah sorry

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You said React Native above

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So you would either be using Payment Sheet or Card Field

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Have you decided on that?

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Both keep you in-app

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Payment Sheet is overall the recommended approach here

rich crystal Dec 28, 2022, 7:18 PM

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Payment sheet

mystic sapphire Dec 28, 2022, 7:18 PM

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Great

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Okay so what you want to do is basically create a PaymentIntent using transfer_data.destination

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See: https://stripe.com/docs/connect/destination-charges

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Upon successful payment, this will immediately transfer funds from your platform to your Express account

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You can use transfer_data.amount to dictate the amount that you want to transfer, or you can omit that and transfer the full amount but pull back an application fee by setting application_fee_amount: https://stripe.com/docs/api/payment_intents/create#create_payment_intent-application_fee_amount

rich crystal Dec 28, 2022, 7:26 PM

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So just to clarify the transfer_data.destination would be Justin Beibers {{CONNECTED_STRIPE_ACCOUNT_ID}} and the application_fee_amount would be auto directed to my platform without needing to specify the destination?

mystic sapphire Dec 28, 2022, 7:30 PM

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Yep exactly

rich crystal Dec 28, 2022, 7:33 PM

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Amazing. Ok final question. Will my stripe account be closed if many of the payment intents that are open dont actually close? For example, lets say Justin Bieber has 1000 people sending him money for videos but he only chooses to respond to 10. Will the other 990 payment intents that don't close hurt my account? I know theres rules for how many charge backs you can receive but this is different so I wasn't sure.

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Or maybe I don't automatically capture the payment until the video is sent? What would make the most sense here?

mystic sapphire Dec 28, 2022, 7:35 PM

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Chargebacks are only if your customers actually dispute the payment, so yeah you want to make sure you don't charge your customers without actually providing them the product. There are a couple ways to handle this...

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How long ahead of time do you expect to collect the card details?

rich crystal Dec 28, 2022, 7:36 PM

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I expect to collect card details as soon as they decide to do their first cameo like purchase and give the connected account 30 days to send a response before we refund the customer

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But maybe instead of refunds we should never charge unless the video is made within 30 days. And if its not made within that time limit we close the payment intent

mystic sapphire Dec 28, 2022, 7:41 PM

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Yep so the options would basically be to either charge/refund or you could use a SetupIntent to collect the payment method details and then wait to charge it until later.

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There are downsides to each option... with charge/refund you still get charged the fees associated and customers may get upset about being charged and not receiving the product. With the SetupIntent option, it is possible that when you eventually charge the Customer the Charge could get declined

rich crystal Dec 28, 2022, 7:44 PM

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Got it. I will look into setup intent. I cant thank you enough for this thread. Thank you so much!

mystic sapphire Dec 28, 2022, 7:45 PM

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Np at all!

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Let us know if we can help any further

#uzelac