Itzamna | Stripe Developers | Page 1

worthy auroraBOT Jan 20, 2023, 9:11 PM

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exotic tangle Jan 20, 2023, 9:11 PM

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What type of Connect accounts do you have? Also Destination or Direct Charges?

mossy mesa Jan 20, 2023, 9:14 PM

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that's a better question, how do i tell?

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In my app I just create express accounts and redirect users to express checkout.

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And set an app fee

exotic tangle Jan 20, 2023, 9:18 PM

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What guide did you follow?

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We recomend destination charges for Express accounts, but would need to see what you followed to integrate this

mossy mesa Jan 20, 2023, 9:20 PM

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i do nodejs and payment looks like:
await stripe.checkout.sessions.create(..., {stripeAccount: connected.stripeId})

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I think it's Direct?

exotic tangle Jan 20, 2023, 9:21 PM

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yeah that looks like a direct charge

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We discourage doing that on Express accounts though

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So if you're not live and need Express accounts, I recommend doing destination charges

mossy mesa Jan 20, 2023, 9:22 PM

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I create users like await stripe.accounts.create({
country: "MX",
email: this.req.user.email,
default_currency: "mxn",
type: "express",
capabilities: {
card_payments: { requested: true },
transfers: { requested: true },
oxxo_payments: { requested: true },
},
});

Is this wrong?

exotic tangle Jan 20, 2023, 9:24 PM

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Connect is a very complicated product with many many options. I highly recommend you thoroughly read the docs before doing something you don't understand. I recommend starting here as this will help you choose your account type: https://stripe.com/docs/connect/accounts. If you still believe Express is the best choice for your business, I highly recommend you switch to using Destination Charges.

mossy mesa Jan 20, 2023, 9:24 PM

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Where can i read diff between express and other account types?

exotic tangle Jan 20, 2023, 9:24 PM

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That link I just pasted

mossy mesa Jan 20, 2023, 9:24 PM

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Ok, thank you!

exotic tangle Jan 20, 2023, 9:25 PM

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No problem

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Based on your decision there, the recommended path forward would be Direct Charges with Standard Accounts and Destination Charges with Custom and Express accounts

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And our docs for Direct Charges and Destination Charges go over refunds and how they differ/who's responsible

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https://stripe.com/docs/connect/destination-charges and https://stripe.com/docs/connect/direct-charges

mossy mesa Jan 20, 2023, 9:45 PM

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question: with destination charges the stripe fee is based on app fee, but with direct the stripe fee is based on the full transaction amount?

modest tinsel Jan 20, 2023, 9:48 PM

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Hi, stepping in here. Catching up..

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Can you add more details on what you mean with 'stripe fee is based on app fee'?

mossy mesa Jan 20, 2023, 9:50 PM

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transaction amount is 10 dollars, app fee is 20%, $2 fee. Stripe fee will be ?? a)for direct charges b) destination charges

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From docs it seems like stripe fee is the same based on transaction amount, not app fee for destination charges

modest tinsel Jan 20, 2023, 9:54 PM

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That is correct, the fee is applied to the entire transaction regardless which connect charge it is. The charge rate may differ based on accounts, and that is something you'd need to contact support to get more details. The application fee on the other hand is a way for the Platform account to take a 'fee' amount on direct charges from the connected account: https://stripe.com/docs/connect/direct-charges#collecting-fees

mossy mesa Jan 20, 2023, 9:56 PM

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Okay, so my current setup is the best. Merchant will pay stripe and app fee. But my question is still not answered, which account will be paying the refund if Connected account is express and charge is direct

#Itzamna