#jguillendev

1 messages · Page 1 of 1 (latest)

ember fieldBOT
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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.

dusty forge
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What's your question exactly? I'd like to understand where you're blocked and what you're trying to do exactly

cold matrix
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I need to create connected accounts for my app users. I am programming all the screens, what steps should I follow, in the documentation I only found this

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const account = await stripe.accounts.create({
country: 'MX',
});

dusty forge
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Which guide are you following? Do you know which connected account type and charge type you want to use?

cold matrix
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This is what I want to achieve: in my app users register their businesses, I want my users to be able to link/create their connected account for each of their businesses. My app has to have various ways to obtain income through the users' connected accounts, it depends on the business model they register

dusty forge
cold matrix
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What type of account is it that allows the users of my app to carry all their stripe movements outside of my app? for example, orders, payments received, etc.

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I also want my app to have minimal responsibility in relation to the administration of my users' connect accounts, practically I want them to manage everything that has to do with their payments separately.

dusty forge
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allows the users of my app to carry all their stripe movements outside of my app? for example, orders, payments received, etc.
What does this mean exactly? Does this mean you want users of your app to be able to access the Stripe Dashboard, create their own payments outside of you app?

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If that's accurate, it sounds like you want to use Standard connected accounts.

cold matrix
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Look, I'll tell you a little.

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My app really only serves to quote. People register their business, products and services. and they can quote to their clients. I want to integrate my app with stripe so that when they send the quote to their clients, they already include a payment link, etc.

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And since my app will only serve to quote, all the part of your orders, your payments, etc. you should be able to manage it separately in your stripe dashboard

dusty forge
cold matrix
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Well, actually my app is a mobile app, I only want my app to handle the minimum necessary stripe so that my users can collect a quote made in my app

dusty forge
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I'm still a bit confused. What kind of quote exactly? To what end does your app need access to a merchant's Stripe account?

cold matrix
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ok, here are more details

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I will give you more details

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so that it is better understood

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I have an app that is used to manage a small-medium business. It's just an admin app. People there register products, services, things that they want to sell. So that my app has extra usefulness, I decided to add a functionality where users can attend to their clients' orders, a client of theirs calls them, asks them about products, my users search for their stock and create a shopping cart for their clients. My users can send that shopping cart through a link or an email

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When your customers open that link or that email, they only see their order but they can't pay from it, that's why I want to integrate stripe, to add the ability for them to collect the order and for their customers of my users to pay immediately

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On the other hand, when one of the users of my app registers their business, I want them to have the ability to create a connect account, if my user creates their connect account then my app will allow them to obtain the benefits of stripe (payments, subscriptions, products, etc.)

dusty forge
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I see. Does your app want to take a portion of the customer's payment as a fee?

cold matrix
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YES

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Yes, in some cases, but the app takes the minimum portion possible

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If my users have a subscription to my app, then I no longer get anything from the sales of my users, but only from the subscription of my users to the premium version of my app.

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Also my users can register sellers, their sellers can obtain a commission for sales, my users can register the commission of each seller according to their sales or the criteria that my user decides

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In this way, independent sellers should be able to create themselves with a connect account, so that they receive their commission for each sale

dusty forge
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Okay, I thought you could use Connect + Standard accounts, direct charges and Application Fees up until you said "my users can register sellers". There's no third level of accounts with Connect. If sellers register their own connected account, you could use separate charges and transfers but, at that point, you'll want to use Express or Custom accounts, not Standard.

cold matrix
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so?

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I also thought that the types of accounts could be combined, some that are express, others that are standard

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For example, the simplest accounts are for sellers, they only need to receive their commission.

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my users can receive their full payment and if they have sellers, then they take their cut, and their sellers get their commission

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then my users will maybe have the standard stripe account

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Also my users may be able to decide if they want to pay a small commission to the platform, or if they prefer to pay a monthly premium subscription.

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those would be the possible cases

dusty forge
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Yes, you could use multiple account types. However, one thing to keep in mind is that it's not possible to change an account type once created. So, for example, if a seller now wants to become a customer of yours, they'd need to create a brand-new connected account for that relationship and go through onboarding again.

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I recommend playing with Connect first, creating a test platform and some test accounts and charges to start. You can play around with Application Fees, onboarding, etc. If you have any questions about account structure as you get started, I recommend reaching out to our Support team: https://support.stripe.com/contact/

cold matrix
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ok I understand.

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Now, what type of account can I use for each of the roles or scenarios that I mentioned.

  1. my platform
  2. the business
  3. the seller
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note: the business is the same as my app users

dusty forge
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Platform: you'd create a "standard"/regular account at stripe.com
Business: it sounds like you want to use "Standard" account types. This means you'd also use direct charges here and customers of these businesses would have a relationship with the business, not your app/platform
Seller: it sounds like you want to use either "Express" or "Custom" account types, and these accounts would never be used for payments, just for receiving funds.

cold matrix
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How do direct charges work on standard-accounts in the businesses ?

dusty forge
cold matrix
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ok I'll check that. I have one last question

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Can I do the entire experience of creating connected accounts from my app without having to use the links that are generated when creating an account?

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for example, so that they never have to go to the browser when creating their connected account

image.png
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but yes to go to the dashboard of your connected account

dusty forge
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The only account type that supports onboarding that is exclusively handled by your app/the platform is "Custom"

cold matrix
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Ok, if only for the custom accounts I can do my own onboarding to create the connected Business and Seller accounts, then. Would I have to use pure Custom accounts? Wouldn't you use the standard and express ones? What would happen to Direct Payments?

dusty forge
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If you want to handle onboarding completely yourself, you'd have to use "Custom" accounts for both business and seller accounts. You should not use direct charges with Custom; you'd use destination charges or separate charges and transfers.

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This brings us back to this: https://stripe.com/docs/connect/customized-integration-guide

Since you're interested in a more customized mix of onboarding, account types, and charge types, I recommend contacting our support team about this beta. In order for them to guide you accurately with the right structure, I recommend being super clear with them on the relationship between your app, businesses, and sellers; who customers will have a relationship with/see on their bank statements; how you expect funds to move between your platform and these busineses

cold matrix
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understand

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one last question, I just saw this

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In custom accounts, do I have to create a personalized experience for everything I mark with yellow, or just what I want?

dusty forge
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Custom accounts don't get access to the Stripe Dashboard. You can think of Custom as a totally white glove experience with the exception of onboarding. With Custom, you have the option of using your own onboarding flow or using Stripe's onboarding flow.