ashwani_54294

[stark onyx]

👋 happy to help

https://stripe.com/docs/connect/top-ups#verify-bank-account

[late lodge]

is this for a platform account or a connected account?

[stark onyx]

platforms

[late lodge]

how to top-up connected accounts then?

[stark onyx]

what's the use-case?

[late lodge]

platform will have multiple connected accounts and connected accounts will make some payouts for external accounts - For this, we are looking to work on Stripe Connect custom + treasury mode.

as connected accounts need to make some payouts for external accounts, they need to fund their account/balance on regular basis.

i hope this helps

[stark onyx]

https://stripe.com/docs/connect/account-balances#accounting-for-negative-balances

[late lodge]

not able to find anything related to direct top-up of a collected account

Can connected account owners fund their connected accounts directly?

without platform intervention

@stark onyx

[stark onyx]

you can't top-up directly

[late lodge]

via virtual account ?

I have gone through the API docs, based on this every connected account is having a virtual account

[stark onyx]

you top-up your platform account and then transfer that amount to the connected account

[late lodge]

how can I accept any payment in a connected account?

[stark onyx]

I'm not sure I understand

[late lodge]

so the platform has multiple connected accounts. Now, connected account owners want to add some amount to their connected account- what are the options for this case

@stark onyx

[vernal gull]

hi! I'm taking over this thread.

Now, connected account owners want to add some amount to their connected account
can you explain why they would need to add money?

also are they Standard, Express, or Custom accounts?

[late lodge]

in our use case, the connected account need to make some payments to external bank accounts.

External bank account of users, who are giving referrals of connected accounts to other users.

So connected accounts will be making some payouts to external accounts

[vernal gull]

I'm confused. so your conencted account have their own connected account?

[late lodge]

let me explain this

I am a platform that will have multiple connected accounts and connected accounts will make some payouts for external accounts - For this, we are looking to work on Stripe Connect custom + treasury mode.
as connected accounts need to make some payouts for external accounts, they need to fund their account/balance on a regular basis.

Hope this helps

The platform will have multiple connected accounts (vendors) and then there will be some payouts from connected accounts to external bank accounts.

[vagrant badger]

This sounds like a 3-level Connect integration, since as a Stripe account, you can only pay out into your own bank account, or transfer into your Connected accounts. So the end-customers will need to have their own Stripe accounts to receive those payouts.

[late lodge]

for end users, we can make the payouts directly into their bank accounts via treasury integration with a connect account?

[vagrant badger]

I don't know much about the specifics of the Treasury limitations here, I would suggest to reach out to Stripe Support: https://support.stripe.com/?contact=true

[late lodge]

one more query here

can connected account owners directly fund their accounts or accept payments made via wire transfer ?

[vagrant badger]

1. Top ups are not possible, as my colleague mentioned earlier.
2. Should be possible with Direct Charges. However, for Custom accounts it's recommended to use Destination Charges (charge by Platform, then transfer to Connected account).