bebourdain | Stripe Developers | Page 1

tired auroraBOT Jan 30, 2023, 4:34 PM

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fluid shuttle Jan 30, 2023, 4:35 PM

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Hello 👋
What kind of connected accounts are you working with? I'm assuming this is for direct charges so standard accounts but just to be sure

real coral Jan 30, 2023, 4:38 PM

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Custom Accounts. Direct Charges

fluid shuttle Jan 30, 2023, 4:39 PM

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While technically you can create direct charges with custom accounts, we highly recommend against it for variety of reasons. You should really be using Standard accounts with Direct Charges OR switch to destination charges.

real coral Jan 30, 2023, 4:41 PM

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Our business case requires Custom Accounts, Direct Charges.

Could you please address our question?

fluid shuttle Jan 30, 2023, 4:42 PM

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You can list all account capabilities and find the "active" ones
https://stripe.com/docs/api/capabilities/list

Stripe API reference – List all account capabilities – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

real coral Jan 30, 2023, 4:43 PM

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Thank you. We did see that but we were hoping for an easier way. Have a good day.

fluid shuttle Jan 30, 2023, 4:45 PM

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NP! Happy to help

real coral Jan 30, 2023, 4:48 PM

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Going back to your note on account type and direct charges. We’ve spent 6 months determining that we need Custom Accounts with Direct Charges.

We determined this because we need absolute control over the users connected account but all transactions must be separate and independent of our platform charges.

Are we missing anything as to why you all are so adamant that we do not do Custom Accounts with Direct Charges?

brazen saffron Jan 30, 2023, 4:59 PM

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Hi 👋

This is generally considered a bad pattern due to the difficulty in reporting and metrics.

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It is difficult to address disputes since the Custom account has not access to the Stripe dashboard

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The platform must cover negative balances due to any refunds

real coral Jan 30, 2023, 4:59 PM

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We will be building the dashboard.

brazen saffron Jan 30, 2023, 5:00 PM

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Direct charges on Custom accounts are not compatible with Radar, which can be a blocker if you are doing business in the EU

real coral Jan 30, 2023, 5:00 PM

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Negative balances is ok on our end.

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How do you mean?

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Blocker?

brazen saffron Jan 30, 2023, 5:01 PM

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European transactions often require additional screening to get cleared. This is often handled using Stripe Radar. However, for Direct Charges the only Radar rules that are considered are the ones on the connected account.

real coral Jan 30, 2023, 5:02 PM

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Okay, and you don’t pass those through on a Custom Account?

brazen saffron Jan 30, 2023, 5:09 PM

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No, Radar rules are unique to each account so the Platform's would only be used if you were using Destination Charges

real coral Jan 30, 2023, 5:10 PM

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So no data is passed through via radar for custom connected accounts doing direct charges? Does this only apply to cards?

brazen saffron Jan 30, 2023, 5:13 PM

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That's not what I am saying

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I am saying that only the Radar rules set on the Custom account will be applied to any Direct charges made on that account

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This applies to all payment methods

real coral Jan 30, 2023, 5:14 PM

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Okay, so we could apply radar rules to each custom connected account individually and Radar would function normally and as intended?

brazen saffron Jan 30, 2023, 5:18 PM

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If you can manage that.

real coral Jan 30, 2023, 5:19 PM

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Okay, other prime issues?

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Is there a document that has these issues laid out?

brazen saffron Jan 30, 2023, 5:23 PM

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Those are the common issues and unfortunately we do not lay out all of these clearly in any public document

real coral Jan 30, 2023, 5:25 PM

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That would be very helpful, so thank you for laying them out.

From the above it seems as if all of these issues can be handled in some way or another, just at an individual connected account level. It simply requires more work on building our native dashboard and oversight on internal settings. In other words, there is a solution to each of these issues so that all systems would act normally?

brazen saffron Jan 30, 2023, 5:29 PM

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As long as you are aware of the potential pitfalls and configure your integration and business practices to handle them then yes it can be done. That is why it is still possible. We just don't recommend it since many merchants fail to take the above issues into consideration.

real coral Jan 30, 2023, 5:29 PM

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For sure.

Mind if I poke your brain on potentially switching to Standard Accounts?

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When we were first doing our due diligence on this about a year and a half ago, the only place to get information was the documentation online as well as standard Stripe support. Which was not very helpful. So I’d like to be able to ask you some questions if you don’t mind?

brazen saffron Jan 30, 2023, 5:34 PM

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Well I can only answer questions about API integrations so if your questions get away from that I won't be much help

real coral Jan 30, 2023, 5:37 PM

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Ah. Nah. These are general questions. My main question is — obviously, I’d love it if I could do standard accounts so that they can have their own dashboard etc. but they cannot be able to create charges, credit memos or refunds for certain invoices. Can I disable actions on certain invoices?

brazen saffron Jan 30, 2023, 5:37 PM

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No, standard accounts are fully-functioning Stripe accounts in terms of permissions

real coral Jan 30, 2023, 5:38 PM

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Okay, then yes, we need to continue with Custom Accounts where we have full control.

#bebourdain