om.senpai | Stripe Developers | Page 1

fair steepleBOT Aug 23, 2023, 9:50 AM

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fierce ore Aug 23, 2023, 9:50 AM

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Hi! Let me help you with this.

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Could you please share the Account ID?

foggy fog Aug 23, 2023, 9:52 AM

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Yes, so this is the Connect Account ID acct_1NiDJfQtxo9U0aT5

fierce ore Aug 23, 2023, 9:53 AM

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By verification you mean onboarding?

foggy fog Aug 23, 2023, 9:54 AM

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Oh, yes

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it's onboarding

fierce ore Aug 23, 2023, 9:58 AM

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Given it's test mode it might not be accurate, as some of the checks are done manually on our side (in Live).
Is anything not working? Are you not able to charge Customers?

foggy fog Aug 23, 2023, 10:18 AM

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i think just about the missing information about the business of connect account, base on the document i tried AccountLink on Express it will have the form to input credit card detail, 2fa, etc but on the Standard account only have the option to get result of AccountLink, do you have any suggestion. i don't have any problem with anything else since the account still in restricted type

fierce ore Aug 23, 2023, 10:21 AM

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I understand the account is created in Test mode? What are you planning to do with it?

foggy fog Aug 23, 2023, 10:24 AM

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i just want to know how to create and activate the Standard Connect Account

fair steepleBOT Aug 23, 2023, 10:25 AM

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fierce ore Aug 23, 2023, 10:25 AM

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It depends if it's Test or Live mode.

foggy fog Aug 23, 2023, 10:27 AM

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I don't understand. The reason why I'm in test mode is because I need to develop and test it before go Live

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If the test mode is different from live mode then how can I be assure that everything works in real life?

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Anyway, I'm in test mode right now (Standard Connect). I need to simulate a scenario that a seller in my marketplace doing a transaction with an user

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I'm trying to create Marketplace like Ebay, but the Merchant of Record or Dispute handling is not the platform itself

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But the seller, that's why I'm using Standard

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But right now I fail right on the step user onboarding

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I created a clone account to test it, when the clone account (which will be the seller) click on my link to onboard, I've the option to select "success verification" or something like that that will assure all verifiaction info entered successfully

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But after that when I check in my platform dashboard, that account is restricted

meager sandal Aug 23, 2023, 10:31 AM

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hi! taking over.

foggy fog Aug 23, 2023, 10:32 AM

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meager sandal Aug 23, 2023, 10:32 AM

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it should be possible to do all that in test mode. For the accout you mention, what's missing is their payout information(bank details) and some other things like accepting the Stripe TOS. That should all happen during the onboarding(the AccountLink). I think I'd suggest visiting the AccountLink in an icognito window and going through it. But I agree parts of this are very broken

meager sandal Aug 23, 2023, 10:33 AM

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foggy fog

note you can use the API and see exactly what information is needed instead of the less detailed view the Dashboard has (https://stripe.com/docs/api/accounts/object#account_object-requirements)

foggy fog Aug 23, 2023, 10:35 AM

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is this Stripe test mode issue will happen for long? Or everything will works in a couple days later?

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And that's mean I need to create a legitimate account with verified bank to test?

meager sandal Aug 23, 2023, 10:36 AM

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depends what issue you're talking about specifically 😅 like there's nothing I'm aware of that is actively broken and being investigated right now

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I do think for Standard accounts you need to enter 'real' bank information(like your own account, or use a site like fauxid.com and get something real-looking), it's always been that way

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because historically there was no such thing as a test-mode-only Standard account

foggy fog Aug 23, 2023, 10:37 AM

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Do I have to verify my citizenship ID or something like that in the connecting account?

meager sandal Aug 23, 2023, 10:38 AM

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AFAIK you shouldn't, you use test information for that

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https://stripe.com/docs/connect/testing#identity-and-address-verification but then again the docs say it's only for Express/Custom

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like I siad, I agree parts of this are very broken

foggy fog Aug 23, 2023, 10:38 AM

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Oh so that's mean the Standard doesn't support the test verification

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Sadly though. Just to confirm, If I use the Epxress account, that's mean my platform will be the merchant of record and MY platform will have to handle disputes? Or "Stripe" platform will handle that?

meager sandal Aug 23, 2023, 10:41 AM

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the merchant of record depends on how you implement the charge, not the account type

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MOR is the connected account if you're using Direct Charges, or Destination Charges with on_behalf_of ; otherwise it's the platform

foggy fog Aug 23, 2023, 10:42 AM

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oh so that mean in Express, if I set the merchant of record to the seller, then it's still possible right

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So in case of dispute, who will handle it?

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If I use Express

meager sandal Aug 23, 2023, 10:42 AM

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again depends on the Charge type

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Direct -> connected account(but remember Custom/Express accounts don't have a Dashboard, so they can't actually do anything, you need to do it for them by integrating with the API; hence you usually use Standard with Direct Charges instead) ; Destination -> Platform handles refunds/disputes(regardless of the use of on_behalf_of for settlement/MOR)

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I think we cover most of this on https://stripe.com/docs/connect/charges

foggy fog Aug 23, 2023, 10:45 AM

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" Destination -> Platform handles refunds/disputes(regardless of the use of on_behalf_of for settlement/MOR)" so that mean although I set on behalf of the seller, my platform still have to handle dispute in Express mode?

meager sandal Aug 23, 2023, 10:46 AM

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yes

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the Dispute is handled by the account that the PaymentIntent/Charge object is created on in the API, which for Destination is the platform

foggy fog Aug 23, 2023, 10:48 AM

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Can I use Direct Charge in Express mode to let Seller responsible for that dispute?

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Like Shopify?

meager sandal Aug 23, 2023, 10:48 AM

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you can but then like I said : remember Custom/Express accounts don't have a Dashboard, so they can't actually do anything, you need to do it for them by integrating with the API

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so for example they'll get a Dispute, but they don't have a Stripe dashboard to log into to view or submit evidence for the dispute

foggy fog Aug 23, 2023, 10:49 AM

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That mean in case they want to refund, they need to call my API

meager sandal Aug 23, 2023, 10:49 AM

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so if you want them to be able to handle the Dispute in a way other than just auto-losing it, you'd need to build a 'seller dashboard' in your platform and call the APIs. It's generally not recommended, the recommended paths are Direct + Standard ; or Destination + Express/Custom

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