SCIF

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What concerns/questions specifically?

This is likely a question better suited for support unless it's about integrating PayPal: https://support.stripe.com/contact

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I'm developing a platform using Connect which sells one-off and subscriptions using application fee. No payouts or other weird things done by my platform. So all sells are done by my platform supplying account-id for calls like Subscription::create()

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If you're passing the Stripe-Account header (w/ an acct_xxx ID) then that is a direct charge, which are seemingly not supported

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What does mean direct charge? Those when money goes to merchants account immediately?

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See: https://stripe.com/docs/connect/subscriptions#use-direct-charges-to-create-a-subscription

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Actually, for paypal we can introduce a separate flow. Just want to understand downsides. Does it mean we will have to bill our merchants, essentially, manually?

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Downsides to?

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Downsides comparing to what we have now

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Can you share an example of how you create Subscriptions for your connected accounts today?

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        $created = StripeSubscription::create(
            [
                'customer' => $stripeCustomerRef,
                'items'    => [
                    ['price' => $planStripeRef],
                ],
                'coupon'                  => $couponCode,
                'application_fee_percent' => $applicationFee,
                'metadata'                => $metadata,
                'collection_method' => 'charge_automatically',
                'trial_from_plan'   => true,
                'payment_behavior'  => 'default_incomplete',
                'payment_settings'  => ['save_default_payment_method' => 'on_subscription'],
                'expand'            => ['latest_invoice.payment_intent', 'pending_setup_intent'],
            ],
            ['stripe_account' => $merchantId]
        );

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Yep, so you're creating a direct charges Subscription directly on the connected account (which PayPal does not support). Assumption is you're using standard accounts (which is where direct charges are commonly used), and any other kind of charge is not recommended

You can understand key differences here: https://stripe.com/docs/connect/charges