#cnguyen
dry steppe
small ledge
Hello! What's up?
foggy saffron
Hi. Good and u?
About Stripe Issuing, there is 2 ways to use it. Normally and with Stripe Connect ? Or the system is a Stripe Connect like but with user/employees ?
small ledge
I'm good!
You can use Issuing with or without Connect, that's correct.
Basically you can issue cards on connected accounts.
foggy saffron
OK and to create a connected account, it's the same Stripe onboarding than the Stripe connect ?
small ledge
Yep.
You do need to create the connected accounts with issuing capabilities though.
There are details here: https://stripe.com/docs/issuing/connect
foggy saffron
OK so the connected account is always a merchant that has given id card etc... to open the account ?
small ledge
It can be set up that way, yes. What's your use case?
foggy saffron
For example, a user pay us 100€. I keep 10€ on my account, and I want to create a CVD for my employee and push 90€ on it. With this CVD, I want to do a payment (online or offline), is it possible? with or without 3DS?
small ledge
That's possible, but I don't think you need Connect for that.
foggy saffron
No, I talk about connect for my knowledge lol
Or, more simple flow to be more understandable:
1 - User pays online 100€ to me
2 - I create a CVD and add the 100€ on it
3 - Directly after, I do a payment with the CVD to a website through an API for example
a - If it's an offline payment, it could be without 3DS
b - If it's an online payment, we have to enter the card info and do the 3DS
Right ?
small ledge
What does CVD stand for? Want to make sure I fully understand.
foggy saffron
For example, each time a sale people do a sale. He gives a special link to his client (like a sponsorship-referral). The client do the payment (for the sale) of 100€.
On this sale, for example, there is 10€ for us (the company) and 90€ for the sale people. But the way to have this commission is through a CVD only.
We keep his "sales commission" in his CVD. And each 100€ on his CVD account, we want to buy him automatically a gift on a specific website. It's one option. And there is an other part of the CVD that I could use as he wants
And I want to know if we can buy him something automatically through an API without enter card number, 3DS, etc...
And about the money flow, I don't know if the X€ are kept on my account, then transfer on the CVD, then transfer to the gift website
OR
The X€ go directly to the website without be "stored" on our account (is it possible?)
small ledge
And CVD stands for what?
foggy saffron
Oups sorry lol => I talk about the creation of a virtual card
small ledge
Yeah, what you're describing is possible with Connect and a separate Issuing balance. There are details here: https://stripe.com/docs/issuing/funding/balance
More info here: https://stripe.com/docs/issuing/how-issuing-works
foggy saffron
A Stripe Connect account could be just individual (just a person, not a company) Or it's company only ?
small ledge
It can be an individual.
foggy saffron
OK.
And when you say it's possible. You mean that the gift purchase could be offline so ?
(I will read the docs you send to me tks)
small ledge
Well, you would adjust their balance instead of using their card.
foggy saffron
For an individual Stripe Connect, the user has to do an onboarding like the company . Or I can just create the account through the API myself?
small ledge
Like if the thing you wanted to buy them was $50 you would remove $50 from their balance.
They would have to go through onboarding.
foggy saffron
And if we prefer to make the purchase from their account? (to keep an accounting) only the online payment is possible? Or we have a PM that we can use to do it?
small ledge
PM?
foggy saffron
PaymentMethod => I suppose that there is a pm_XXX associated to the virtual card ?
small ledge
Not really, not the way you're thinking.
You would not use the virtual card to make the purchase.
The virtual card is only for use by the cardholder, not you.
You would adjust the balance and then use those funds to make the purchase.
foggy saffron
AAhhhh ok
And, with Stripe Connect Issuing, I will have a employee = 1 connected account with one virtual card
Or I can have, without Stripe Connect, I customer = 1 employee
small ledge
Yes to the first one.
For the second one you would have Cardholders instead of Customers: https://stripe.com/docs/api/issuing/cardholders
foggy saffron
ok thank you. I will read more and come back to you later