#madmac4000
zealous dew
Are you using destination charge or direct charge?
You only need to clone payment methods if you are using direct charges\
shell pond
Current they are standard accounts so direct charge
Will destination charges may be possible on Standard accounts in the future?
zealous dew
No, you should use Direct Charges for standard accounts.
If you already collected the payment method, you can just create an off-session charge without the need of asking customer to going through a checkout process.
shell pond
I will not have the payment method beforehand it will be a new customer
zealous dew
Ok, then you can use checkout to collect the payment method in platform (i.e. without specify the stripe_account header), so that you can clone and resue it in connected accounts.
shell pond
Ok any guides / resources on this?
I don't want to take the money on the platform I want the money to go to the connected account. I don't want liability on refunds etc
mossy tigerBOT
sick tundra
generally, what you want to do really isn't encouraged / reccomended. For a marketplace, and for a customer to be able to make a single payment at checkout and purchase from many different merchants, you should use Separate Charges and Transfers (SCT) whereby the liability is on you as the Platform
if you make several separate charges on the connected accounts, the customer might need to as an example, authenticate several times which doesn't really make for a great customer experience
shell pond
True. So if I take the money on the platform how do I get it to the standard connected account if I can't use destination charges. Can I transfer it somehow?
sick tundra
you want to use this flow : https://stripe.com/docs/connect/separate-charges-and-transfers
in essence, the charge occurs on your Stripe account (platform), you'll make transfers to the connected accounts
shell pond
This mentions express and custom but not standard accounts. Will it work with standard?
sick tundra
are your connected accounts in the same region as your Stripe account? e.g. if you have a EU Stripe account, your connected accounts are all in EU also?
shell pond
Currently most are... But possibly not in the future as I expand.
Most in New Zealand and Australia at the moment
sick tundra
are you based in the US?
shell pond
New Zealand.
I will not be selling to countries not in that list on the linked page
Europe, US, Canada + Australian and New Zealand
sick tundra
then this probably isn't going to work I'm afraid. To perform cross border transfers, you and the connected account must be based in the same region. If you are based in the US, you can use cross border payouts : https://stripe.com/docs/connect/cross-border-payouts (the caveat is that you can only use custom or express).
you could potentially consider setting up a company in the US using https://stripe.com/atlas
shell pond
I was hoping it would be easy to set up an international marketplace :/ I guess I need to look into it some more.
So the first method you mentioned would only work with NZ?
sick tundra
it'll only work if you're based in NZ, and your connected accounts are all based in NZ too
shell pond
Initially I could allow purchases from multiple NZ accounts but lock it to one overseas account per purchase and just allow the customer to purchase direct from that account.
Would that work?
I could then revisit once I have taken over the world.
sick tundra
ah, so you want to use direct charges if it's a non-NZ account
shell pond
yes
sick tundra
yeah, that would work. I would warn that your implementation going to get complex managing different fund flows
shell pond
Ok. I am not implementing now so I will look into it some more. In the meantime I will just use direct charges and lock to one account per customer purchase.