#sam-express-onboarding

1 messages · Page 1 of 1 (latest)

buoyant perchBOT
half hawk
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  1. ChatGPT will not give you the correct answers. We know, we've checked
  2. That's no how Connect works. Funds go to their Stripe Account and then get paid out to their bank accounts
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You can trigger manual payouts but it will take a little time to verify their account balance before you can disperse the money

next bough
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Sounds good, I had another question in mind. When the user signs up using the express account link they’ve generated for the generated link

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How will that be connected to their stripe account?

half hawk
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How are you creating the Account Link?

next bough
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Yea

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Hold on, could I send the code here?

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It’s made in PHP

half hawk
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Sure

next bough
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Sounds good, I’m turning on my computer one moment

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$account = \Stripe\Account::create([
'type' => 'express',
'country' => 'US',
'capabilities' => [
'transfers' => [
'requested' => true,
],
],
]);

$accountLink = \Stripe\AccountLink::create([
'account' => $account->id,
'refresh_url' => 'https://example.com/reauth',
'return_url' => 'https://example.com/return',
'type' => 'account_onboarding',
]);

echo $accountLink->url;

half hawk
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Okay the Account Link is created from the Account ID. So all the onboarding the user goes through will link back to their Stripe Account

next bough
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So the code above is correct right?

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But, the account id it shows on the connected accounts isn't the same as the users account id

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Does this matter?

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Let me know 🙂

half hawk
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I'm not sure what you mean here. Does the user have a separate Stripe Account that you are trying to link?

next bough
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I mean

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How will the cash go to that users stripe account?

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Because once the user clicks on the link, it tells the user to put in their email and phone number, does that somehow correlate to their account… or?

half hawk
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That is linked to the account your code created

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Everything the user enters in that form will be linked to the account created by your code

next bough
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Yea, but how does the user access the money?

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To transfer to their account

half hawk
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You transfer the funds to their account as part of your funds flow. When the user has connected their bank account for payouts the default is for Stripe to deposit their Stripe balance once a day

next bough
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Okay so

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It automatically goes to the users bank?

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From their account?

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Let me give you a scenario: Let’s say I use the API and payout a user’s express account. How will that user access that money?

half hawk
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That depends on how the Account is configured. You should review the docs we have on Connect

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Stripe will pay out the money to their bank account automatically or you can trigger manual payouts

next bough
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Okay so I send the money to the users connected express account

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And that money gets automatically transferred to their bank?

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Sorry if I have a lot of questions. I’m quite new to stripe connect. I’ve read the docs and they’re a bit confusing so I’ve resorted to discord

half hawk
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You can configure things like payout schedules to meet your business needs but, by default, Stripe will pay out all the available funds in the Stripe Account's balance each day

next bough
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Ah okay

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I understand now

half hawk
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Happy to shed a little light where I can 🙂

next bough
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How long might the payment take to transfer to the users bank account

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Sorry, last question 😂

half hawk
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That can depend on the user's bank, the country it's in, and any special permissions you may have requested. You can also set a number of delay_days

next bough
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What’s the default set to?

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1-3 business days for US?

buoyant perchBOT
half hawk
next bough
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Great!

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Okay

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This should be the actual last question

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Is there any way I can get the users routing and all that information through my site instead of using my express account link using the API?

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For example I wouldn’t have to use this?

half hawk
pure fiber
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sam-express-onboarding

next bough
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What information would I really need?

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The users bank routing information and stuff?

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Also, could you send the link inside the API to implement the custom method instead of express

pure fiber
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@next bough What are you really trying to do? Why don't you want to let us collect all this information? Because building this properly, storing the information securely, handling localization, changes in requirements, responsive design, etc. this is months of work for you to build right, even if you think you can do this in an afternoon at first

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The majority of platforms that use Custom accounts still use our hosted onboarding flow

next bough
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I have a platform where it’s kind of like fiverr. It’s a freelancing platform

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I want users to be completely dependent on my site rather going onto a separate website.

next bough
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With storing the information I could just use sha256 HASH for it

pure fiber
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sure sure, we'll talk in a few months 🙂

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lol

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you're going the sha256 an SSN

next bough
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You need an Ssn?

pure fiber
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yes?

next bough
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Isn’t it basically the same process of express accounts?

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Rather we collect the information?

pure fiber
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Express accounts need an SSN?

next bough
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Not sure why you’re being very hostile when I’m asking questions to @half hawk

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Not really customer centric are you?

next bough
pure fiber
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SSN would be ask after you start accepting payments

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I worry you are underestimating how complex collecting personal information is for individuals and businesses around the world for companies like Fiverr. So I'm trying to nudge you to stick with Express accounts and let us do this.
You said it's super easy, it's not. You also said you'd SHA-256 extremely sensitive information which is almost surely dangerous and going to break some rules/compliance around what data can and can't be stored

next bough
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I understand what you mean, but

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Don’t worry about the developmental side for us. All we really need to know is where it specifically says this in the api docs.

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I’m not going to SHA-256 a SSN. The only thing that’s really going to be stored into the database is the account id for the custom account

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Everything else is passed into the stripe API

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you could’ve came with a less hostile approach towards me and I would’ve listened much better. But however this is hurting my experience with stripe and their staffs not being customer centric.

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I’m not sure why you’re trying to nudge me out of a option that is listed on your site

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“Standard”,”express”,”custom”

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I was just asking a simple question on the custom section, but you intervened with a hostile approach im not sure why

pure fiber
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I did provide the link you needed about the required information though. What's blocking you or what's missing?

next bough
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That’s really all you had to send, and possibly be much more nice to your “clients”

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Thank you @half hawk for all your help and being customer centric

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If I could leave a review for you I would 🙂

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Mr. koopajah, pleasure talking to you! I hope that you become more customer centric to your users instead of interrogating them about an option you guys offer 😂

pure fiber
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I am trying to help you make the right choice. I hope you do reconsider and stick with Express which will be drastically better for you.