pablo_connect-financial-connections | Stripe Developers | Page 1

ruby kiteBOT May 3, 2024, 2:18 PM

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coral sageBOT May 3, 2024, 2:18 PM

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thorny swallow May 3, 2024, 2:21 PM

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Hi there 👋 can you clarify whether you're referring to working with Financial Accounts (part of Stripe Treasury) or Financial Connections (what you seem to have linked to documentation about)?

chilly lily May 3, 2024, 2:22 PM

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Hi Toby, financial connections

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sry, my bad with the first sentence

thorny swallow May 3, 2024, 2:24 PM

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All good, just wanted to make sure we were aligned!

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The portion for creating the Token is here:
https://docs.stripe.com/connect/payouts-bank-accounts?bank-account-collection-method=financial-connections&bank-account-collection-integration=direct-api#create-an-external-payouts-account

You'll use the ID of the Payment Method, that was generated from the Setup Intent was used previously, in that request to create the Token.

Manage payout accounts for connected accounts

Learn how to manage external bank accounts and debit cards for connected accounts

chilly lily May 3, 2024, 2:27 PM

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yeah but it asks for a connected account id as well:
curl https://api.stripe.com/v1/tokens
-u "sk_test_51HCQMyIudlrw5tcZOKQLs5AMCNutV38fq40t1jSUmpcObxLneNe00ppxY5difIMlul887KvYyY44YObNpHae5fE300zH91Zkyc:"
-H "Stripe-Account: {{CONNECTED_ACCOUNT_ID}}"
-d "bank_account[payment_method]"={{PAYMENT_METHOD_ID}}
-d customer={{CUSTOMER_ID}}

thorny swallow May 3, 2024, 2:29 PM

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I would strongly recommend rolling that secret key now that it's been shared publicly, even if it is just a testmode key.

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What Connected Account are you trying to create an External Account for? That's the ID that you need to provide.

chilly lily May 3, 2024, 2:36 PM

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I might be looking up into another workflow, let me tell you what im looking for, you might suggest me another way to do it:

I want to use Stripe's financial connections to collect the user bank account and save it so i can make payouts to that account in the future.

thorny swallow May 3, 2024, 2:39 PM

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Yup, that's right, so you'd provide the ID of the Connected Account that you want to use the newly associated bank account for Payouts for.

chilly lily May 3, 2024, 2:40 PM

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wait so that id must be generated by me right?

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because i don't understand where do i get it

thorny swallow May 3, 2024, 2:41 PM

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Let's take a step back.

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Are you expecting to be able to use these bank accounts to make Payouts to your Customers?

chilly lily May 3, 2024, 2:43 PM

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no, i want to use our stripe account for that

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i will use my company stripe account to payout them

thorny swallow May 3, 2024, 2:44 PM

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Sorry, I'm not sure I'm following.

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Let's set aside Stripe terms for a moment, what is the business flow you're trying to build?

chilly lily May 3, 2024, 2:45 PM

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step by step:
The user enters his bank account details using stripe's financial connections feature.
We receive the information from stripe and save those details.
We will make payments to those accounts using payouts

thorny swallow May 3, 2024, 2:46 PM

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That's not supported.

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You can only make Payouts to your own bank account from your Stripe Account's balance. To create Payouts to third-parties, you have to use Stripe Connect to onboard your users to Stripe.
https://stripe.com/connect

Stripe Connect | Platform and Marketplace Payment Solutions

Stripe Connect is the fastest and easiest way to integrate payments and financial services into your software platform or marketplace.

chilly lily May 3, 2024, 2:48 PM

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so financial connections are not supported for this?

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okey

thorny swallow May 3, 2024, 2:50 PM

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Financial Connections are supported for a Connected Account's External Accounts, that's the guide that you linked to, but you have to first onboard your user/customer as a Connected Account.

chilly lily May 3, 2024, 2:52 PM

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oh okey, my bad, so once the user is onboarded as a connected account i can then use financial accounts to gather other bank accounts from them and make payouts

thorny swallow May 3, 2024, 3:04 PM

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Yup. You would onboard them as a Connected Account, which will create a Stripe Account for them. You can then use that Account ID when creating the Token, and use it to create an External Account for that Connected Account.

Then you can make Transfers from your Platform Account to send funds to your Connected Accounts, if you aren't going to route funds to them automatically as part of processing payments. The funds in the Connected Account's Stripe balances can then be paid out to their associated External Account.

#pablo_connect-financial-connections