danl-connect-paymentsw | Stripe Developers | Page 1

floral skyBOT Dec 6, 2023, 4:53 PM

#

Hello! We'll be with you shortly. Below are links to other discussions we've had with you in the past week in case you want to review that information. If your question is related to one of these previous discussions, please provide a comprehensive summary of the current state and what you need help with now. We help many users simultaneously, so a summary allows us to resolve your issue as soon as possible.

danl, 1 day ago, 17 messages
danl, 1 day ago, 13 messages

peak osprey Dec 6, 2023, 4:54 PM

#

Hey there

#

Is this a card payment?

#

Or a different payment method type?

#

And is this the very first transaction on the account?

radiant junco Dec 6, 2023, 4:56 PM

#

It's a subscription on behalf of a Connect account, in this case it's a debit card payment. Why does it matter if this is the first transaction?

peak osprey Dec 6, 2023, 4:57 PM

#

https://support.stripe.com/questions/7-day-delay-for-first-payout-for-connected-accounts

radiant junco Dec 6, 2023, 5:00 PM

#

So will this 7 day delay not be there for further customers subscribing?

peak osprey Dec 6, 2023, 5:01 PM

#

Correct if that is why you are seeing the delay

#

The standard payout delay days are noted here: https://stripe.com/docs/payouts#standard-payout-timing

radiant junco Dec 6, 2023, 5:08 PM

#

We are also wondering how do we accept payments in to Connect accounts that have not onboarded yet, as we intend have them onboard when they pay-out?

peak osprey Dec 6, 2023, 5:09 PM

#

The Connected Account must have charges_enabled to be able to accept funds.

#

If you are using Separate Charges and Transfers (https://stripe.com/docs/connect/charges-transfers) then you could receive and hold the funds on your platform and then Transfer them later on

#

But there are cross border regulations involved there that might come into play

radiant junco Dec 6, 2023, 5:11 PM

#

How do we do this when the Connect account which the Subscription is made on behalf of is in a pending state, as it returns errors saying there are no valid payment methods?

peak osprey Dec 6, 2023, 5:12 PM

#

Ah yeah that's not possible if you are using on_behalf_of

#

That relies on your Connected Account having Charges enabled

#

So they have to be onboarded already

radiant junco Dec 6, 2023, 5:14 PM

#

Is there a recommended way of doing it, so that the onboarding can be completed at a later date, that can be automated?

peak osprey Dec 6, 2023, 5:14 PM

#

Not if the Connected Account is going to be the Merchant of Record, no.

#

That's impossible.

radiant junco Dec 6, 2023, 5:19 PM

#

What would be recommended if we did it without on_behalf_of and had the funds go directly to the Platform, how would we then automatically have a Transfer set for when the referenced Connect account is properly set up? This would mean the owner of the Connect account would not be able to see what they are owed, so can we do a temporary charge so that they can see what they would be owed once they have finished onboarding?

#

Or, can the Connect account be created with charges enabled programmatically?

peak osprey Dec 6, 2023, 5:22 PM

#

That depends on a lot of things. First... where is your platform located and where are your connected accounts?

radiant junco Dec 6, 2023, 5:37 PM

#

The Platform is in the UK, but the Connected accounts can be from outside of the UK

peak osprey Dec 6, 2023, 5:37 PM

#

Outside of Europe?

radiant junco Dec 6, 2023, 5:38 PM

#

Yes we want to support US & Canada

peak osprey Dec 6, 2023, 5:38 PM

#

Okay then what you are trying to do is impossible

#

The Connected Account has to be already onboarded in that case to support US/CA

#

Since that Connected Account has to be the Merchant of Record -- you can't transfer funds cross border from a UK platform to a US/CA Connected Account with your platform being the Merchant of Record

radiant junco Dec 6, 2023, 5:40 PM

#

Are the onboarding requirements different for PayIns to Payouts? As we can autofill certain fields when they come from our platform. In other words, what are the minimum onboarding requirements so that payments can be made in to the Connect account?

peak osprey Dec 6, 2023, 5:41 PM

#

See the table at: https://stripe.com/docs/connect/required-verification-information

radiant junco Dec 6, 2023, 5:48 PM

#

Okay, I think we can do it programmatically just to accept payins, but with the terms of service acceptance, what is the tos_acceptance.service_agreement string?

#

And can we transfer from one Connected account to another Connected account, with these minimum requirements?

peak osprey Dec 6, 2023, 5:48 PM

#

Are you using Custom accounts?

radiant junco Dec 6, 2023, 5:48 PM

#

peak osprey Are you using Custom accounts?

Express accounts

peak osprey Dec 6, 2023, 5:48 PM

#

No you can't Transfer between Connected Accounts

#

That is not supported

peak osprey Dec 6, 2023, 5:49 PM

#

radiant junco Express accounts

You can't accept ToS for an Express Account -- they have to do that themselves via Onboarding.

radiant junco Dec 6, 2023, 5:51 PM

#

Could you suggest another way to do this, for example using a Standard account instead?

#

Or if not, can we send them just the ToS agreement rather than the whole onboarding link?

peak osprey Dec 6, 2023, 5:54 PM

#

The only way would be to use a Custom account

#

That is the only account type where the user only interacts with you, and not Stripe, so you can accept ToS for them withou them going through hosted onboarding

radiant junco Dec 6, 2023, 5:59 PM

#

What would be the recommended flow for us, if we do not want to use Custom accounts?

peak osprey Dec 6, 2023, 6:01 PM

#

You onboard your user before you accept payments

floral skyBOT Dec 6, 2023, 6:14 PM

#

formal jasper Dec 6, 2023, 6:15 PM

#

danl-connect-paymentsw

#danl-connect-paymentsw