#_kevinx

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final sleetBOT
gentle mountain
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Hi 👋

Can you link to the doc you were reading so we are on the same page (literally)?

gentle merlin
gentle mountain
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Okay so

gentle merlin
gentle mountain
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Yup, I was just going to share that

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Standard Accounts have the least liability but they provide the least control to the Platform

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All the Customers, Products, and Payments (all the Stripe objects essentially) need to exist on the Connected Account

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I think about it like Shopify vs Amazon

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In the Shopify model, the Platform provides the tools and services to allow the Connected Accounts to sell to their customers. That is like using Standard Accounts

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You, the Platform, have the least liability because all you are doing is providing the plumbing

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In the Amazon model, your platform is what the end customer sees. they might not even be aware the Connected Account exists. You keep all the records but also you have all the liability. You use the Connected Accounts as service providers to get the Customer what they are buying

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Does that kind of make sense?

gentle merlin
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Thanks, let's go a little bit deeper, what do the users handle if they choose standard account vs express account, is it possible that business like Airbnb use standard account?

gentle mountain
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That is geting outside of what I can offer suggestions on

gentle merlin
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When user set up a standard account, what data or information they need to provide or confirm, vs express account setup

gentle mountain
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This server is focused on developers coding integrations with Stripe APIs

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This is a bit more like a business review

gentle merlin
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oh it's an example mentioned in the document

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it says business like airbnb uses express account while shopify uses standard

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and it leads to the questions why business like airbnb can't use standard account

gentle mountain
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Right, because with AirBnB the platform stores all the Customer information

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If AirBnB used Stadard Accounts, you would need to create a new Customer record and collect new Payment Method information each time one of your users stayed at a different location

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Since the AirBnB host would be the account that has all the data

gentle merlin
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Great, this is where it gets interesting and I need to understand

gentle mountain
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Yeah, where the data lives has significant impact into what types of business it enables.

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So for Shopfiy, part of the value proposition is that their users (the Connected Accounts) own all their own data and their customers are unique to them

gentle merlin
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ok, where data stored is the key difference
Express account, data is handled by the platform
Standard account, data is handled by Stripe?

gentle mountain
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By the Connected Account

gentle merlin
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What kind of data are we talking about here

gentle mountain
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We are talking about the Data objects generated in Stripe

gentle merlin
gentle mountain
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I think you probably want to read more about how Stripe works in general

gentle merlin
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I used Stripe previously but for direct charges, now I want to enplement Connect in my next product

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the question is then which Connect account to use

gentle mountain
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Okay so with a Standard Account you would not see any of the charges, customers, saved payment methods on your account (the Platform)

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They belong to the Connected Account

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And you cannot use them with another Connected Account

gentle merlin
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oh, that hits the point

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from the users' stand point, if Standard account is used, do they need to manage all these from their dashboard on their own?

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btw, Stripe should quote what you just said in the doc, so it makes the difference more clear

gentle mountain
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You, as the platform, can create and upate these records yourself

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You can make all the API requests in the API reference doc I linked above as the Connected Account

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So you have a lot of control but the records still all belong on the Connected Account.

gentle merlin
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that doesn't make too much sense, I'm sure even standard account is used, Shopify knows clearly who their users and customers are

gentle mountain
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They do because they also keep their own records

gentle merlin
gentle mountain
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But those are separate records and they do a lot of work to maintain concurrency between them, since any update to one record does not update the other

gentle merlin
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What if Airbnb uses Standard account, what would happen

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to the user and consumer

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and platform

gentle mountain
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They don't and I don't know enough about their specific integration to speculate

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This server is for unblocking developers coding integrations with APIs.

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If you have a question about the APIs and writing code to create or modify Stripe objects I can offer more concret advice there