zkat__ | Stripe Developers | Page 1

gloomy hedgeBOT Jun 30, 2023, 3:35 AM

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languid fossil Jun 30, 2023, 3:35 AM

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(I know I asked something related to this long ago, but I was looking over everything again and wanted to triple-check)

jaunty swallow Jun 30, 2023, 3:36 AM

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Hi there, can you tell me the business goals that you want to achieve with Connect?

languid fossil Jun 30, 2023, 3:37 AM

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I have a platform where artists can sign up to sell services, branded primarily under the platform itself (so they look like vendors within the site, not their own sites which happen to be backed by us). I want to be able to support artists from outside the US signing up for selling services.

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it's a marketplace, basically

jaunty swallow Jun 30, 2023, 3:40 AM

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OK. If you platform is an US account, you can use cross-border payout https://stripe.com/docs/connect/cross-border-payouts . Note that corss-border payouts only works with the recipient service agreement.

languid fossil Jun 30, 2023, 3:41 AM

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oh. I thought I needed those connected accounts to use the Full agreement. huh

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https://stripe.com/docs/connect/destination-charges there's this info box here that says I need to use OBO when my connected accounts are outside of the US, though?

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and I thought OBO required the Full agreement?

jaunty swallow Jun 30, 2023, 3:51 AM

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You don't need to use OBO for corss-border payout.
For cross-region support, you must specify the settlement merchant to the connected account using the on_behalf_of attribute on the charge or see other valid scenarios at Cross-border Transfers.

languid fossil Jun 30, 2023, 3:53 AM

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wait so. Does that mean that all my accounts, including accounts created by users in foreign countries, should be "US" accounts, in order to support destination charges?

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and a "cross-border payout" is just "your connected account is in the US, and we pay out to your <country> bank account with a Cross-Border Payout"?

jaunty swallow Jun 30, 2023, 3:56 AM

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Let me rephrase. You can do support destination charges if

Platform and connected account are in the same region
Platform and connected account are in different region, create charge with on_behalf_of
Platform and connected account are in different region, the platform is an US account and the connected account is in a region where cross-payouts is supported, the connected account is under recipient service agreement.

languid fossil Jun 30, 2023, 3:57 AM

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oh! That last one wasn't clear in the docs. I didn't realize that. So I should definitely be using recipient for all accounts

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and otherwise just keep doing what I'm doing (using plain destination charges, without OBO)

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and I'm only supporting foreign connected accounts that are supported by Cross-Border Payouts, so that's fine

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the docs just made it sounds like that last one... wasn't a thing 😅

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thank you 🙂

jaunty swallow Jun 30, 2023, 3:59 AM

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Thanks for the feedback, I'll ask the docs team to improve it.

#zkat__