aaronhdev | Stripe Developers | Page 1

mellow ermineBOT Sep 5, 2023, 12:58 AM

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bronze saddle Sep 5, 2023, 12:58 AM

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hello! We mainly help with developers who want to integrate directly with the Stripe API here on this channel so we don't have any knowledge on PayPal Adaptive payments or marketplace. You would want to reach out to PayPal support about that

stoic shell Sep 5, 2023, 1:00 AM

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One question i do have is, with Stripe Connect for Split Payment - how come Direct Charges is only built for Single user transactions ?

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as this is one limitation that Stripe has 🙂

bronze saddle Sep 5, 2023, 1:00 AM

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maybe you can explain your use case /business model and i can point you to a suitable fund flow instead?

stoic shell Sep 5, 2023, 1:05 AM

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Okay so we use

Dokan Multivendor so we have

Vendors and Sellers, well if we use Direct Charges Mode then it will only work in Single Seller Mode, meaning you can only purchase from 1 seller at a time where as if we use:

"Seperate Charges & Transfer (We can buy from multiple vendors at a time in one transaction. - The issue here is which i not sure stripe really thought through the Platform Admin is liable for any "Refund" because the refund has to come from the platform and not the connected account.

So for example if say someone needed a refund of product as never arrived and amount was: £500 well the Vendor(connected account) disappeared the Platform(Admin) would have to refund the customer, because of how the seperate charges and transfer works.

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and you cannot do a reverse refund because it expects the connected account to have a "Stripe Balance" but after 3 days stripe auto withdraw this payment into the bank

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so means the vendor would always have a 0 balance in most cases

bronze saddle Sep 5, 2023, 1:10 AM

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Separate Charges and Transfers (SCT) is what you want. The platform is liable for charges, refunds and disputes for SCT but you can reverse the transfer to the connected account (CA) if the CA is an Express or Custom account because the platform is subsequently also responsible for any negative balance on the Custom/Express accounts. Depending on the country and setting, Stripe may attempt to auto debit the connected account to try and recover the negative balance. [0]

[0]https://stripe.com/docs/connect/account-balances#accounting-for-negative-balances

Understanding Connect account balances

Learn how Stripe account balances work when using Connect.

stoic shell Sep 5, 2023, 1:12 AM

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but if you do direct charges then the connected account is liable :).

So why can you guys not do the same with SCT :), as if we had 100 customer disputes it should not be down to the platform, - it should really be the person selling the product etc

bronze saddle Sep 5, 2023, 1:13 AM

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we don't have such a feature at the moment, but i'll pass on the feedback

stoic shell Sep 5, 2023, 1:14 AM

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otherwise the platform (would always be out of pocket) if the connected account just disappeared,

As a few years ago one of our shops went to court etc as she did a bunk, but luckily she was on the "direct charges system" or the platform account would of been liable and would of had to pay over £2000 split to different customers

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i did hear you have a financial mode coming? which is in beta

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will this be what is needed

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also Thanks for responding Alex

#aaronhdev