Devik | Stripe Developers | Page 1

zealous hazelBOT Feb 21, 2023, 3:25 PM

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sacred otter Feb 21, 2023, 3:27 PM

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Hello 👋
I believe Separate Charges & Transfers flow would be the best fit for your usecase

You can charge the users as a platform and then create transfers later on by calling the API for the amount you want (after deducting app fees and taxes all that)
https://stripe.com/docs/connect/charges-transfers

clear ore Feb 21, 2023, 3:34 PM

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So just use the checkout session and the charge is done for the platform, and use transfer later on? Or do I need to use the Intent and make the form myself?

sacred otter Feb 21, 2023, 3:36 PM

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I don't think Separate Charges and Transfers flow supports Stripe Checkout
Let me double check with a colleague

clear ore Feb 21, 2023, 3:37 PM

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Is there any option to this without transfering money through the platform account?

sacred otter Feb 21, 2023, 3:43 PM

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Just asked a colleague

So just use the checkout session and the charge is done for the platform, and use transfer later on? Or do I need to use the Intent and make the form myself?
You're correct, just create the session on the platform account and charge the users. And call the API to transfer the amount later on.

You don't need to create the intent yourself but you would need to call the API to generate the Checkout Session

clear ore Feb 21, 2023, 3:47 PM

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Great, that seems like the most straigthforward approach. If there's no way to do this while bypassing the platform account. It would be ideal if the funds went directly to the connected account.

sacred otter Feb 21, 2023, 3:48 PM

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If there's no way to do this while bypassing the platform account. It would be ideal if the funds went directly to the connected account.
Not sure I follow, are you talking about creating direct charges?

clear ore Feb 21, 2023, 4:09 PM

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Yes, but it can't be immediate.

sacred otter Feb 21, 2023, 4:11 PM

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Gotcha. If you want to control the timing of when the connected account receives the funds then the platform has to be involved

clear ore Feb 21, 2023, 4:12 PM

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I suppose it would work if the clients had connected account as well. Just transfer between accounts.
But it's not ideal for them to go through the full onboarding.
What exactly can accounts before the onboarding do? Can they receive funds and could I initiate transfer of those funds?

sacred otter Feb 21, 2023, 4:14 PM

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Afaik, no. For compliance reasons, they can't receive or transfer funds before completing onboarding.

clear ore Feb 21, 2023, 4:18 PM

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sacred otter Just asked a colleague > So just use the checkout session and the charge is done...

Ok. One more thing about this. How would refund work in this case? Can I initiate a refund of a charge that the platform account received "from outside" - to a bank account or credit card?

sacred otter Feb 21, 2023, 4:19 PM

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Can you elaborate a bit on "outside" part? want to make sure I am on the same page?

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Typically with Separate Charges and Transfers flow, you'd create the refunds as usual
https://stripe.com/docs/connect/charges-transfers#issuing-refunds

Are you asking about unlinked refunds? (refunding payments that don't have a charge ID as such)

clear ore Feb 21, 2023, 4:26 PM

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I mean charge not made from Stripe accounts. Want to make sure the refunds will work if used the checkout session and not the described "separate charge" flow.

sacred otter Feb 21, 2023, 4:29 PM

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Ah you mean refunding the customers? If so, yeah. You should be able to refund charges normally from your platform account (to whatever source they came from i.e. cards, bank accounts etc).

clear ore Feb 21, 2023, 4:33 PM

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Great. I think I know everything for now, thanks!

#Devik