#bkrnetic
chilly lava
marble dawn
What do you mean by 'separate charges'? Which API are you referencing?
odd spindle
We have a platform where users can register and buy or sell the products. Each seller has Standard Connect account. When the buyer buys the product, platform holds the funds until the buyer confirms that the product was successfully delivered. After that, the platform release funds to Connected account (seller).
marble dawn
The same Payment Intent flow you described above applies. You'd just separatrely create the Transfer(s) via your backend after the payment is successful
There's no front-end part to the Transfer creation
odd spindle
Ah ok. So the flow is as follows:
- We create Payment Intent via backend and return client secret to the mobile app.
- Mobile app initializes Stripe UI with the client secret. Once the user completes the payment successfully we trigger the shipping and the rest of business logic.
- After the buyers confirms that he received the package and everything is ok, we create the transfer to move the money from Platform to Connected account(s).
marble dawn
Yep! And 3 has no front-end component as you're just moving funds between Stripe accounts
odd spindle
Ok I understand.
The last thing I'm confused about is who's responsibility is to know which payment intents (charges) is for which Connected account. Should I store that information on server side or I can set that when creating payment intent, and then later just pass the charge ID when creating transfer? I thought that on_behalf_of parameter is used for that but I am not really sure.
marble dawn
You'd likely persist that in metadata on the PI. on_behalf_of will likely have unintended consequences (i.e. making the conncted account MoR)
odd spindle
Yes that is what I was worried about. So basically it is our responsibility to know which payment intent/charge was for which connected account to be able to move the correct amount when creating transfers later on.
marble dawn
Yes, exactly
odd spindle
Okey, everything clear now. Cheers!
marble dawn
np