#geddy

1 messages · Page 1 of 1 (latest)

heady anvilBOT
urban aurora
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Hello, just to make sure I understand your situation. You are a platform and one of your connected accounts wants you to become the connected account of another platform?

vapid matrix
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We are a platform yes, we have a connected account that uses our platform. The connected account uses another application (not ours) that offers different payments service providers including Stripe. However they would like to process payments via us in that other application to avoid having 2 seperate Stripe accounts and also because the conditions are better.

urban aurora
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So one distinction here is that this account should still be able to connect with you. It might create a separate Stripe account but as long as the same email is used they can have the same login and easily switch between accounts in the dashboard

heady anvilBOT
urban aurora
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Second, I don't think there is a way for this other platform to make calls that impact your connected account without them having your secret API keys. Stripe doesn't allow "grandfather" connect calls (aka a platform making a call for its connected account's connected account). Also it is very rare for a platform to write code to take this in to account, so unless you have talked to the platform about this already, it is unlikely that they would have code written for this.

vapid matrix
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They are already connected via us to use our platform via express. We have custom pricing so if they use Standard connection they would not benefit from our pricing. Or am I wrong?

rocky granite
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👋 stepping in

vapid matrix
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For example when we choose to connect the user we select express account type out of 3 options (standard, express, custom) To my understanding if we onboard them as standard they would not benefit from our pricing and use standard Stripe pricing despite the fact if we onboard them or not?

rocky granite
vapid matrix
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Yes, I asked them they said the fees applied would be Stripe fees :/ So in this case the connected account looses the benefits :/ Do you have any recomendation of any work arounds even if it not a perfect solution for example using something like payment links?

rocky granite
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I'm not sure I fully understand the scenario... if they are processing through a different platform then why would they get your platform's rates? Like the processing that would occur through the other platform would be completely separate from yours. Or am I misunderstanding the scenario?

vapid matrix
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Because the other App/platform is not using stripe connect, they just allow users to connect different payments service providers (Stripe, Checkout, Braintree, PayPal etc) so they users create Standard Stripe accounts to connect. The other platform/app is not monetising on this.

rocky granite
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Oh they are a plugin

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Yeah overall not really a good workaround here as far as I can tell if you have custom pricing.

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Like if they process on their own account then they would get the default pricing

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Still a bit confused how this other app relates to you though.... like all the payments you facilitate should still use your platform pricing

vapid matrix
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What if we create a new account (top left corner in Stripe dashboard) under our account would this limit our API exposure? We could then use separate charges and transfers

vapid matrix
# rocky granite Oh they are a plugin

I guess an easy way to explain would be imagine a e-shop. The users want to use Stripe via our platform for payment processing instead o using Stripe direclty due to better fees. (we process higher volumes so we can offer a different rate but we still pay Stripe)

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So in the given scenario above how does one connect payments to their shop via us instead of Stripe directly.

rocky granite
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As long as you are the ones facilitating payments then your fee rate should be applied as far as I know.

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Like I said at the beginning I'm not an expert on fees

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But my understanding is that as long as you as the platform facilitate the payment, even if it is directly on the Connected Account, then your fee plan should be used.

vapid matrix
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Yes, but then the only way to do so is to give our main API keys...

rocky granite
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Well that's how plugins work, yes. If you want to work with this third party and they aren't using Stripe Connect (which is not the recommended path) then you would have to give them access to at least a restricted API key.

vapid matrix
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And if they are using Stripe connect, is there a way for us to connect?

rocky granite
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Yes you can connect to them via OAuth. Then they could create payments on your platform and you could use Separate Charges & Transfers to then transfer them to your Connected Accounts if you want to go that route. The platform wouldn't be able to create payments directly on your Connected Accounts though as my colleague mentioned -- we prohibit "grandchildren" accounts from being accessed.

vapid matrix
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So let me just run through it:

We connect the other platform via Outh - can you please expland on this a bit more. Would this expose our keys?

They create payments on our main connect account. In other account our account were we connect accounts.

We then collect payment in our main account balanace and using sperate charges and transfers trasnfer them to our connect account.

Do I understand this correctly?

rocky granite
vapid matrix
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Ahh but still this is for Standard accounts.. :/ That means our pricing would not apply

rocky granite
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That all depends on how their platform is set up I believe

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I think they can have it so that your accounts pricing is used instead of their platforms.

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But yeah overall this is way outside of what I'm intimately familiar with

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Sorry I can't be of better help

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You are really better off working with our Support team who is much more familiar with how fees/pricing work

vapid matrix
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No worries, this was helpful! Last question. Using the flow described above with oauth we would still be exposing our API keys to them correct?

rocky granite
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Nope

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They would just use the Connect Account header to make requests

vapid matrix
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Thanks @rocky granite and @urban aurora this was extremely helpful! Have a good day