#rodrigo_connect-cbp-obo
hybrid jungleBOT
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arctic ridgeBOT
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- rodrigo-dietze_best-practices, 23 hours ago, 48 messages
warm isle
Hi 👋 sounds like you may have already found the Cross Border Payouts flow if you're creating accounts under the recipient agreement.
jaunty mural
Hey Toby! You started helping me the other day. I could successfully create the account now I'm stuck in the specifics on how to deal with such scenario where I cannnot do direct charges.
warm isle
So you want to do a Destination Charge then?
jaunty mural
I was reading about this yes. At the moment what I do is: I have a product X priced at $100,00 as an example.
Since all the connected accounts are in the same region and have card_payment cap, we clone the global payment into the specific connected account and attach to the global customer. And create a paymentIntent passing the stripe_account of the connected account.
We pass 100% of the amount to the connected account, thus, our main platform account is always at $0 funds.
Now with connected accounts in different countries and different currencies, without the card_payment ... We would like what is the best option. At the purchase endpoint. We still clone the global paymentMethod and attach to the global customer, but we are lost as what to do from here.
Should we create a paymentIntent into our own account? Then how to move this value into the connected account? I mean we cant move 100% of the value because we believe stripe will charge its fees etc. So we dont even know the amount we can transfer.
There are https://docs.stripe.com/connect/destination-charges
THere are https://docs.stripe.com/connect/separate-charges-and-transfers
warm isle
Sounds like you want to try creating a Destination Charge:
https://docs.stripe.com/connect/destination-charges#create-a-charge
and not set an application_fee_amount or transfer_data.amount values so the entire amount of the payment is transferred
jaunty mural
Ah I see
So I create a destination charge and all the value goes to the connected account but stripe collects its fees transparently is that right?
It says Stripe fees are debited from your platform account. Under Destination charge. That is why I was wondering...
warm isle
Not sure what you mean by transparently, I'd suggest running a testmode payment through that flow and see how it looks.
jaunty mural
If I create a charge of $100,00 and transfer it to the connected account as 100,00. What happens? Lets say the fee would be worth $3,00 .
Will my stripe account be $ - 3,00 after it. Or the connected account's balance be $ 97,00
warm isle
The latter, we have a graphic showing this in the Destination Charge doc:
https://docs.stripe.com/connect/destination-charges#flow-of-funds-app-fee
(Assuming your platform isn't on some non-standard pricing model)
jaunty mural
No, we dont monetize out of the transactions. So looking at the graph you shared. Stripe collects its fees from the application fee I pass in. But we dont, application fee would be $0
hybrid jungleBOT
warm isle
No, the Stripe fee is collected from the Charge
jaunty mural
Thank you so much Toby! So that is exactly what I was looking for.
But hey
I read one thing here that raised a suspicion:
Caution
Destination charges are only supported if both your platform and the connected account are in the same region (for example, both in the US). For cross-region support, you must specify the settlement merchant to the connected account using the on_behalf_of attribute on the charge or see other valid scenarios at Cross-border Transfers.
I told you that these connected accounts are not in the US. Most will be in Uruguay. The Connect platform is in the US.
warm schooner
HI 👋
I"m stepping in as my colleague needs to go
jaunty mural
And on behlf of cannot be used for Uruguay:
Caution
The on_behalf_of attribute is supported only for connected accounts with the card_payments capability. Accounts under the recipient service agreement can’t request card_payments.
Hi Snufkin, aah okay! Thank you.
warm schooner
You are correct, you cannot use on_behalf_of with the recipient service agreement
jaunty mural
But these connected accounts are in Uruguay which are under recipient agreement. They only have transfers cap.
They are not in the same region as the platform, which is in the US.
So I think Toby was equivocated when he said Destination Charges would be the best bet.
What would be the best way to achieve this?
@warm schooner I see you are helping a newer case. It is ok. I just wanted to know what integration fit best our business case.
warm schooner
I need to keep eyes on all cases in this server currently so I will be hopping back and forth. Trying to get clarity on what is required here
I think you would need Cross Border Payouts to be able to pay out to Connected accounts in Uruguay but that would prevent you from being able to create charges on the Connect Accounts
jaunty mural
Ok so that is what I was afraid of. Because how can I know how much to be sent? I would need to know the net value of the transaction (after stripe's fee).
warm schooner
We have a formula that we suggest merchants use to calculate the Stripe fee. This article is about passing the fee on to Customers but you can use it for your purposes as well. https://support.stripe.com/questions/passing-the-stripe-fee-on-to-customers
jaunty mural
I would have a transaction its status, and value. But not the net value. Then later on pay out this connected account only the net value of the transaction. Also, would a cross border payout incur any fees?
warm schooner
Unfortunately I cannot advise you on fees and where they are assessed. I would recommend reaching out to Support for help with clearly identifying all the areas where fees can occur. https://support.stripe.com/contact