#mkadin
unreal frost
grim slate
hello! can you share more about your business model?
for example, are you going to need to split a payment to be transferred to several different connected accounts?
zenith mountain
we have 2 different business models -- customers collect one-time donations or recurring subscriptions from their fans (similar to patreon)
and we also sell advertising. We collect payment outside of stripe for this, and then want to pay out to the customers who did the ads
We don't do the separate charges and transactions thing
for the subscriptions / donations we use transfer destination
and for the advertising, we don't link the money in to the money out
grim slate
so for We collect payment outside of stripe for this, and then want to pay out to the customers who did the ads - you would create a Transfer to the connected account for that amount?
zenith mountain
that's a model we'd like to move to, but we do something more disgusting currently 🙂
(we have a customer on our platform account that has our bank account as a payment instrument on it, that we do destination ACH charges with)
but that also does not work across borders
grim slate
this is pretty confusing 😅
zenith mountain
lol tell me about it
grim slate
anyway, i'll summarize for you - If you need to create a Transfer (https://stripe.com/docs/api/transfers/create) to a connected account in another region, that connected account needs to have the recipient service agreement. Also, yes - you cannot create charges on a connected account with the recipient service agreement
zenith mountain
right
can i do destination charges on the platform account to those accounts?
to the recipient service agreement accounts i mean
grim slate
yes, destination charges will work
note though, that destination charges with on_behalf_of won't work
you could also consider creating another connected account with the full service agreement for that "customer" i guess
managing the accounts could get confusing though, both for your "customer" and for you
zenith mountain
yea I thought about having one of each. One could manage it, but they won't understand
grim slate
you're using Standard connected accounts?
zenith mountain
a long while back, we decided to do our subscriptions on the connected accounts, and I think if we can back out of that and have them running on the platform account with a destination on them, we could move everyone to the recipient agreement
we're using express
grim slate
if you move them to the platform though, then the Merchant of Record (MoR) on customer's bank statements are going to be that of the platform (assuming no on_behalf_of set), is that going to be okay?
grim slate
just make sure to test everything out to see if it all works as expected first
also, you can't change the recipient service agreement for a connected account!
zenith mountain
right, we'll have to have everyone start from scratch
grim slate
yep