#nikky_api
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- nikky_api, 15 hours ago, 27 messages
- nikky_docs, 6 days ago, 7 messages
knotty roost
hello! no, OAuth are not meant to be used with Custom accounts. If you want to onboard new Custom accounts, you can take a look at Account Links : https://docs.stripe.com/connect/custom/hosted-onboarding
You can't connect existing Custom accounts since they cannot exist alone without a platform. And custom accounts can only ever connect to a single platform
abstract hollow
Hello, how about this case. The user has an existing acocunt with stripe (I assume the account type is standard? correct me if Im wrong). And we are creating a platform where the users we create/onboard to our platform are custom-type accounts. Is it possible to connect the existing standard accounts to our platform through OAuth, together with our custom-account users(users onboarded through our platform)?
@knotty roost , another question, is it possible for our platform to create our own dashboard and get our users data such as balance, transaction history if we set their account type to standard? We opt for custom because we want to create our own user dashboard and display their data in there instead of using stripe's standard or express dashboards.
knotty roost
The user has an existing acocunt with stripe (I assume the account type is standard? correct me if Im wrong). And we are creating a platform where the users we create/onboard to our platform are custom-type accounts. Is it possible to connect the standard accounts to our platform through OAuth, together with our custom-account users(users onboarded through our platform)?
If the user has a Standard account with Stripe, then yes, it is possible to connect existing Standard accounts to your platform. If the Standard account is already connected to another platform that has read_write access on the connected account, then your platform will typically not be able to connect to it with read_write access also. Ideally, i'll recommend just using Account Links to create / onboard a new Stripe account to your platform
is it possible for our platform to create our own dashboard and get our users data such as balance, transaction history if we set their account type to standard
If you're saying that you want to retrieve information such as balance, transaction history, etc to create your own Dashboard, yes it's possible.
Can you share more on what you're trying to do?
abstract hollow
Yes, sure so we will create our own platform where users can sign up and see their account balance, add money to their balance, add cards, transfer money from their balance to other accounts, and , withdraw money from balance through cards or bank.
So it is possible to retrieve our users information and display in our own custom dashboard even if their account type is standard?
I had the initial impression that we can only use stripe's dashboard and cannot create our own if our users are created on standard or express account. So, instead, we can actually create our own dashboard, retrieve info from our standard account users and using stripe's dashboard is actually optional (but this option is for standard and express accounts)?
knotty roost
you can pull the Standard account's information and create your own. Of course, the Standard connected account user will still be able to access the Stripe Dashboard. I'm assuming that your Dashboard is for your own site and possibly aggregates or provides additional information / services that your business offers
keep in mind though, that you cannot access KYC / PII information of a Standard connected account user. Information related to transactions can be retrieved
abstract hollow
Yes that's right. And is it also possible for our platform to create features for them to manage their accounts through our dashboard?
knotty roost
can you give a few examples of "manage their accounts"?
abstract hollow
Example. Through our dashboard, they can add money to their balance, transfer money from their balance to another connected account (other users of our platform), add bank or card, withdraw money from their balance to their bank.
Basically we will recreate stripe's dashboard for our platform users(standard) but within our platform. With less features.
knotty roost
The answer is no to most of those features. Generally, that's not what Standard accounts are meant to be used for. The entire idea of using Standard accounts is to leverage on the Stripe Dashboard so that you don't have to rebuild all of such features.
abstract hollow
Yeah, that's what I initially understand if we create our users with standard account type. These features are only possible when we set their accounts to custom, right? Cause with that we can create our own dashbaord?
knotty roost
yep, that's correct, these features are only possible if you use Custom connected accounts
abstract hollow
Gotcha, thanks for clarifying that. So, with this setup (our users are custom accounts), is it still possible to use OAuth to connect people's existing stripe accounts(I assume most of them were created as standard type accounts?) to our platform?
knotty roost
No, you need to create new accounts. Account types cannot be changed once created
abstract hollow
I see, so our only option is to ask users to register a new stripe account through our platform.
Also, I tried adding top-up. And it was added to my account balance. Is there a way for users to add top-up to their balance? I cant seem to find the API for it.
knotty roost
custom accounts can't use top-ups. Typically in most cases, the platform transfers funds to the connected account
are all of your custom accounts based in the same region as your platform account? i.e. if your platform is based in the US, are your connected accounts based in the US also?
abstract hollow
We havent finalized the scope for that yet, but we would like to allow users from other supported countries too if that's possible.
knotty roost
hrm, who do you expect to be displayed on the customer's bank statement when they make a payment - you (platform) or the connected account?
abstract hollow
custom accounts can't use top-ups. Typically in most cases, the platform transfe...
So, would you suggest this process for adding balance to our users account balance?
- User would add the fund as a top-up to our balance.
- We transfer the fund from our balance to our user's balance?
Or what would be a better approach to do it?
abstract hollow
hrm, who do you expect to be displayed on the customer's bank statement when the...
Not sure if I understand this correctly but If they are transfering funds to other account - then we want it to be their account, then the account they're transfering to.
If they are paying us - we want them and then us.
knotty roost
maybe lets take a step back, are you collecting payments from customers? i.e. are you going to charge a credit card for example?
abstract hollow
For now, not yet. Platform will be free.
I brought that case where they will pay us as a comparison, was hoping it will give more clarity to the answer. But yeah you can ignore that part. For now it will be free
In the statemnt, we want our users and the people they transact with are the ones reflected.
knotty roost
the reason why i'm asking is because if you're only intending to transfer funds to your user's balance, and your connected account is not based in the same region as your platform account, you'll need to refer to https://docs.stripe.com/connect/cross-border-payouts - you need to create the connected account with the recipient TOS so that you can transfer funds crossborder
if you create the connected account with the recipient TOS, you cannot create payments on the connected accounts (you can only transfer funds to them) i.e. you can only collect payments on your platform
abstract hollow
Oh gotcha, if our users are in the same region? What flow would you suggest so our users can add funds to their balance. Or is it our platform receives funds and transfer them (as payment?) to our connected accounts?
knotty roost
actually can you elaborate on why your connected accounts need to add funds to their Stripe balance?
abstract hollow
So our users needs to add funds to their balance so they can transfer funds from their balance to other accounts or bank accounts within our platform using stripe.
knotty roost
how does your business model work? sorry, i'm asking a lot of questions to try to understand how to best advise you
abstract hollow
No, you're great. Please do as needed.
So, we want our users to create account through our platform, within our platform they can
- Add funds to their balance
- Pay or transfer funds from their balance to other account's balance or if balance to bank is possible that would be awesome!
- Add bank or card in their account
- Withdraw funds from their balance to their bank
knotty roost
Okay, i think a big question is what those funds in their balance is being used for. Are you paying out for example a salary to these "users"? To be clear, Stripe is not meant to be used like a banking service, you might want to take a look at https://stripe.com/legal/restricted-businesses. If you think that your business model might fall into one of the listed restricted businesses, you should reach out to Stripe Support to clarify first before going any further https://support.stripe.com/contact/email. Whether your business model is supportable is not something which we have the expertise to answer here on this channel unfortunately.
i'm going to need to step away, but if you have more questions, my colleague @fading hatch is around to help
abstract hollow
Thank you alex, you are very helpful. I'll check out these links you shared and would ask the rest of my questions to @fading hatch . Thanks a lot!
fading hatch
hi! I'm taking over this thread. let me know if you have other questions.
abstract hollow
Hey Soma, having these features for our platform, do you it is under the Restricted Businesses of stripe?
So, we want our users to create account through our platform, within our platform they can:
- Add funds to their balance
- Pay or transfer funds from their balance to other account's balance or if balance to bank is possible that would be awesome!
- Add bank or card in their account
- Withdraw funds from their balance to their bank
fading hatch
Pay or transfer funds from their balance to other account's balance or if balance to bank is possible that would be awesome!
that doesn't sound like something we support. the connected accounts balance can only be used to send money to the connect account holder.
but note that these are not technical questions about the Stripe API, so here on Discord we can't really help. I would recommend asking your question to Stripe support directly: https://support.stripe.com/contact
abstract hollow
Oh... okay, you mean transfer from one connected account to another is not supported? Connected accounts can only transfer funds to the platform's account?