tamntn | Stripe Developers | Page 1

fresh pythonBOT Jul 10, 2023, 7:14 PM

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tired trellis Jul 10, 2023, 7:14 PM

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Hello there

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The recipient agreement is specifically used for cross border payouts: https://stripe.com/docs/connect/cross-border-payouts

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This is when you want to transfer internationally while still having your platform as the merchant of record.

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Otherwise, you need to use on_behalf_of with the full ToS so that your Connected Account is the merchant of record

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Otherwise you will not be able to transfer due to regulations

high bluff Jul 10, 2023, 7:16 PM

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Thanks! I'm reading this in the doc: Connected accounts under the recipient service agreement can’t process payments or request the card_payments capability.
Will the recipient accounts still work with our use case?

tired trellis Jul 10, 2023, 7:18 PM

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Yes that's correct.

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You can't use on_behalf_of with recipient accounts.

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Who do you want to be the merchant of record here? Your platform or the Connected Account?

high bluff Jul 10, 2023, 7:22 PM

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we actually never thought about that. But I'm guessing our platform should be the merchant of record.

tired trellis Jul 10, 2023, 7:22 PM

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Have you read through https://stripe.com/docs/connect/destination-charges#settlement-merchant yet?

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That discusses the differences

high bluff Jul 10, 2023, 7:22 PM

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So i'm assuming for accounts within the US we should use the full agreement and for oversea accounts that we need to transfer money to we need to use recipient?

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Yes i've read that!

tired trellis Jul 10, 2023, 7:23 PM

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Yeah we don't support recipient for US accounts since it is only meant for Cross Border Payouts from a US platform to international accounts

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So yeah you would use full for US Connected Accounts and recipient for all of your international accounts

high bluff Jul 10, 2023, 7:24 PM

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that sounds good. Thank you for your help 🙂

#tamntn