ermahgherd | Stripe Developers | Page 1

solid loomBOT May 23, 2023, 5:54 PM

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wintry jay May 23, 2023, 5:55 PM

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That really isn't enough information to tell if it's custom connect or not

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what are you really trying to do?

azure roost May 23, 2023, 5:57 PM

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Just exploring use cases for inspiration.

wintry jay May 23, 2023, 5:59 PM

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Gotcha - yeah there isn't really anything specific in that text that points to it being custom connect. It could be custom, it could be express, etc, it's really hard to tell just from that text

azure roost May 23, 2023, 6:00 PM

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Well the fields ask for personal and banking details directly.

wintry jay May 23, 2023, 6:01 PM

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It's still hard to tell - with any of the connect account types you're allowed to prefill information so it won't be asked for again during onboarding

azure roost May 23, 2023, 6:02 PM

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Oh I see so even with Standard -- when you hit submit on this kind of form, it can pre-fill the fields seen in the connect.stripe.com onboarding flow? Just slap next, next, next and next?

wintry jay May 23, 2023, 6:03 PM

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Yeah we talk about that in our docs here https://stripe.com/docs/connect/standard-accounts#create-account

azure roost May 23, 2023, 6:06 PM

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Alright and if I onboard a user with Standard and take an application fee on each payment, can they easily unlink their account from the platform? As to save on fees when they discover Stripe's is lower...

wintry jay May 23, 2023, 6:13 PM

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It depends on the kind of standard accounts you're working with - if you're working with standard accounts that are controlled by the platform then they can't disconnect on their own (you, as the platform would have to disconnect them)

azure roost May 23, 2023, 6:14 PM

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what do you mean by standard accounts controlled by the platform?

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I understand "Standard" users have complete control w/ their email & password...

wintry jay May 23, 2023, 6:15 PM

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https://stripe.com/docs/connect/platform-controls-for-standard-accounts

azure roost May 23, 2023, 6:22 PM

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im just wondering how you prevent the unlink, or even create a Standard account "controlled by the platform"... in the dash you can only control payout schedules seems like.

wintry jay May 23, 2023, 6:24 PM

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I believe new Standard accounts that are created today should be CBSP by default - you'd only run into this issue if you also allowed existing accounts to connect to you through oauth

azure roost May 23, 2023, 6:27 PM

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this is an example of what I DON'T want: #979508720277020712 message

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^^previous talk

wintry jay May 23, 2023, 6:38 PM

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Yeah I'm pretty sure that will ONLY be an issue if you have connected accounts that are not controlled by your platform. If they are controlled by your platform it's a much harder process to actually disconnect from your platform (they'd actually have to write in to stripe support if they want their account converted to a full stripe account)

azure roost May 23, 2023, 6:39 PM

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To clarify, liability for disputes and fraud is still on the user?

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and these aren't express/custom "controlled by the platform"?

wintry jay May 23, 2023, 6:42 PM

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Yes, liability for disputes and fraud shoudl still be with the connected account

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and no, these are not the same as express/custom accounts

solid loomBOT May 23, 2023, 6:49 PM

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azure roost May 23, 2023, 6:50 PM

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No liability on me, the platform? as long as the service isn't abusive of course, and gives users basic control of their accounts by API, like stopping recurring invoices?

wintry jay May 23, 2023, 6:51 PM

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Honestly I can speak a bit to liability, but it sounds like you want specifics (which I'd recommend checking in with support https://support.stripe.com/contact for). I don't think you have absolutely no liability, but I don't really know where that line is drawn

azure roost May 23, 2023, 6:54 PM

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Obviously no 'zero liability' on me... but the user has enough freedom to control their account for the service to not be abusive.

tiny flower May 23, 2023, 6:57 PM

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Unfortunately we can't really speak to specifics on liability, you'd have to clarify your concerns with your own legal team and/or share specific examples and work with our support team on that.

azure roost May 23, 2023, 6:58 PM

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I'll take that into consideration. Thanks.

azure roost May 23, 2023, 7:27 PM

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Lastly, can these platform-controlled Standard accounts set contact preferences? For example a payout be branded the platform as sender... or not send some types of emails at all?

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obv. I can do that with webhooks but I have no control over what Stripe does.

tiny flower May 23, 2023, 7:31 PM

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There's some support for co-branding the connected accounts: https://stripe.com/docs/connect/platform-controls-for-standard-accounts#co-brand-your-connected-account-experience

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Depends with emails yo mena, but most you won't be able to disable as something the connected account can choose in their own settings. If you want fine control over the account experience, custom gives you complete control but this also completely changes the account relationship and liability questions.

azure roost May 23, 2023, 7:35 PM

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I'm talking about Profile > Communication Preferences. Wondering what control I have with platform-controlled Standard.

tiny flower May 23, 2023, 7:41 PM

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No control, as far as I am aware

azure roost May 23, 2023, 7:43 PM

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OK thanks for all the heads up.

#ermahgherd