#maloddo
languid geyser
tulip coral
Hi, to sum up :
- One company create a Stripe account and make a deposit
- They give me a payment API access
- I pay customers on their Bank account by the API access (from the Stripe account of the company)
lyric crater
One company create a Stripe account and make a deposit
what do you mean by make a deposit?
I'm not sure this workflow exist at Stripe
slim stone
Maladdo, i'm not sure thats possible unless the user is setup via stripe connect which is a lot of onboarding for a one off transfer of money
lyric crater
what you're describing doesn't include a customer that makes a purchase
tulip coral
Thanks for your answers ! But Stripe can't pay a customer on his bank account ? without onboarding ?
lyric crater
Thanks for your answers ! But Stripe can't pay a customer on his bank account ? ...
no that's not possible
tulip coral
Oh I was pretty sure it was possible
slim stone
think if you could randomly pay people money without verification, this is what anti money laundering is supposed to avoid 🙂
tulip coral
The verification is the RIB account nope ?
tulip coral
In the process we ask for ID card and personnal informations (address, phone number, mail...), does it make a difference ?
lyric crater
you can create Custom Connected Accounts and do the verification
that's not an issue at this point yet
but then you need to know the regulations about the french market and see whether it's possible to create individual entities that aren't registered as a business (the normal folks)
which AFAIK it's not possible in France, but in order to be a 100% sure, it's better to contact https://support.stripe.com/?contact=true, they are better equipped to answer these types of questions
and even if you get to the point where you have the Connected Account setup with an external bank account where you can pay them out
you need the funds
without a payment from a customer
you would need to use top-ups
which is only available in the US
tulip coral
Ok thanks for your complete answer. The support took 3 weeks to answer at each question, so it was really faster to come here
slim stone
@tulip coral not sure if you have open banking implemented in france (we do in the UK) it might be worth looking at that to handle bank to bank transfers?
tulip coral
Yes the problem is to use API from Bank, developper tools are really difficult to find. Have you some examples of bank or tools that could perform it ?
slim stone
open banking is a standard which at least in the UK is adopted by all banks so you dont need an individual API to work with it.
tulip coral
Ok so nice ! Maybe we could look into this option, thanks a lot for your support !
slim stone
no worries, good luck!