#Steffen
spare adder
covert heart
hi! no, it's not possible. The platform should always be handling that(since you'd be using Destination Charges if using Express, so the Dispute object is always on the platform account).
abstract dust
Thanks for the quick reply!
Even if I am not using destinations charges but direct charges on the connected account?
covert heart
Direct Charges are not a recommended flow for Express(this is one of the reasons why).
abstract dust
hmmm, I wasnt aware that direct charges are not recommended.
But the good thing is with direct charges dispute fees are charged against the connected account and not platform account.
covert heart
abstract dust
Thanks for pointing that out. I just hadn't remembered... It's all a lot to understand when you start working with stripe 😄
I have a booking system and would like to give our customers the option of charging penalties. I would like to hand over as much responsibility as possible to our customers, including dealing with disputes. Since we don't want to pay for any fees that are incurred as part of the payment process, we opted for Direct Charges
We chose Express Accounts because they are quicker and easier to set up and manage than Standard Accounts.
Do my choices fit so far? Or would you recommend doing something different? I don't want to use Stripe the "wrong" way
covert heart
I would say you should use Standard Accounts instead of Express.
abstract dust
hm yeah it feels like that.
My only concern would be that I am exposing all payment infos and methods to my customers. In Express account that infos is not visible to our cutomers and adds security for consumers. Does this make sense to you?
covert heart
yep
but like, if you want the user to handle the dispute process, surely it helps them to see the payment information and those details; same with refunds
they're basically acting as merchants, ergo they need a real Stripe account and Dashboard, ergo, Standard + Direct(the normal recommended path)
if you don't want them to see the end-customer details or to deal with that kind of thing, you'd use the Destination+Express model where you handle everything for them and they just receive funds(the Lyft model)
abstract dust
Okay understood. That were two great examples and very helpful.
Anything technical need to be very aware of when I switch to Standard acccount?
Also is it possible to transition Customers and their Payment Methods from an Express to a new Standard account?
covert heart
Anything technical need to be very aware of when I switch to Standard acccount?
hard to say, nothing immediately is occurring to me, but they are different overall
Also is it possible to transition Customers and their Payment Methods from an Express to a new Standard account?
not really no. If you have some real live accounts that you want to migrate you could maybe reach out to https://support.stripe.com/?contact=true for help with https://stripe.com/docs/payments/account/data-migrations/pan-copy-self-serve but it's probably complex
abstract dust
Okay understood.
If a customer already has a Stripe account. Can I connect them to our Platform Account afterwards?
covert heart
Kind of but it's not really recommended
you're supposed to create a new Standard account for them just for use with your platform. They can switch between their multiple Stripe accounts
abstract dust
So in that case someone would have two stripe accounts. Their "Own" and then a new one connected to us