#seyyedam7-direct-charges
white vigilBOT
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lapis sonnet
Hi, let me help you with this.
You need to treat user1 type as Customers. You can collect a Payment Method from them and charge it later off-session: https://stripe.com/docs/payments/save-and-reuse
white vigilBOT
hazy summit
Is there anyway to get & save user1 payment method in onboard process like stripe standard or express or custom???
lapis sonnet
Do user1 need at Stripe account at all?
hazy summit
Yup, we need to verify their business billing information and i don't wanna handle it in our application
zinc jackal
👋 stepping in
So basically the only way to do this is to use Cross Border Payouts (https://stripe.com/docs/connect/cross-border-payouts)
You onboard your Express accounts as recipients and transfer funds
It is impossible to completely avoid FX here though
verbal merlin
our concern is not exchange rate, we want to know how we are able to collect money from stripe account without adding their external payment method to another stripe account (express)
zinc jackal
Not sure what you mean by that really?
You can collect application fees from a Standard Account like you noted and then Transfer those Application Fees to an Express Account
That works just fine
verbal merlin
not really! i tried it i cant charge standard account directly and use charge id to tarnsfer money to another connected account
zinc jackal
Did you onboard the Express Account as a recipient like I said above?
And when you say
use charge id
I'm assuming you mean setsource_transactionbut you wouldn't do that here
Since the Charge isn't occurring on your platform at all
verbal merlin
And when you say
> use charge id
I'm assuming you mean set `source_transaction...
yes right
so what should i do then
zinc jackal
You just create a Transfer without setting source_transaction
verbal merlin
i got inssufficient available funds error if i dont use charge id as source transaction
zinc jackal
When you are testing are you using the available balance test cards: https://stripe.com/docs/testing#available-balance ?
In production you will have to wait for the funds to be available before you can transfer them
That is required
verbal merlin
i have funds on my account
zinc jackal
Not available funds if you are hitting that error...
hazy summit
Look @zinc jackal
Suppose we have 2 types of users, for example we want to transfer 100 dollars from user 1 to user 2 automatically every day, and take 20 dollars as a commission fee for our application.
Can you explain the whole process of this work to us, what APIs we should use with their special properties?
And what type of express or standard should we use for each user?
zinc jackal
Where is the 100 dollars coming from?
How are you collecting payments initially here?
You are faciliating payments for user1 to their customers?
hazy summit
user2 works for user1 and we calculate how much he has worked and automatically transfer 100 dollars from user1 to user2 and take our application commission.
I don't know where I should collecting payments from, should I collect from their payment methods? or use charge api to facilitating that? or invoice api? Or should I choose another alternative solution?
So after collect payments, should i use transfer api to pay 100 dollars to user2? or payout api? or anything else?
zinc jackal
Can you clarify why you want to onboarrd user 1 at all as a Connected Account?
That is going to be much more costly and way more complicated.
hazy summit
Can you clarify why you want to onboarrd user 1 at all as a Connected Account?
We need to verify their business billing information and i don't wanna handle it in our application.
They are Amazon sellers.
But if you have any alternative choice, let me know that.
I've seen this way in our competitor's platform
zinc jackal
Would using Stripe Identity (https://stripe.com/docs/identity) be sufficient for the verification you are looking for ?
hazy summit
Can you tell me which connect mode this site used for seller? express or standard
zinc jackal
That is just a screenshot of the billing portal...
Are you asking about what account the Invoice in that screenshot was paid to?
hazy summit
Ok, i think we should create a standard account for our platform, Then create customers per seller and add their payment method to collect payments and transfer it to user2. is that correct?
zinc jackal
Yeah overall that sounds correct
I'm not quite sure what you mean by:
we should create a standard account for our platform
Your platform doesn't really have an "account type"
Did you mean you are going to create Standard Connected Accounts?
white vigilBOT
hazy summit
Did you mean you are going to create Standard Connected Accounts?
Yeah, Create standard account for our business to take application fee, If I understand correctly.
like the picture
zinc jackal
Yeah that works -- you charge the customer's on the Standard Connected Account and then you take an application fee for your cut.
That is the typical way to do this, yes.
hazy summit
That is the typical way to do this, yes.
Ok, I will test this way and ask you if there are any questions
Thank you for your help