skynet_best-practices

[safe fiber]

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[tight cobalt]

Hi there

I recommend starting with looking through documentation on Stripe Connect

transfers money between 2 users for a service
Have you looked through the different funds flow options for Connect? https://docs.stripe.com/connect/charges

If you've chosen destination charges, this means funds are routed to your platform account and then transferred to the connected account (the account that is performing the service). A fee is also transferred back to your platform: https://docs.stripe.com/connect/charges#destination

You would use a PaymentSheet to safely collect customer payment details: https://docs.stripe.com/payments/accept-a-payment?platform=ios&mobile-ui=payment-element

[tired bane]

I did not know about PaymentSheet, thank you i'll take a look into that

[tired bane]

Is there a way so that payments go directly to destination account without hitting ours first, and just the fee is taken out

[tight cobalt]

Yep, that's called direct charges: https://docs.stripe.com/connect/charges#direct

[tired bane]

So in this scenario, the Platform account charge happens from User A (cc/bank account) and then gets sent to User B (Connected Account )

I just noticed the blue cc icon on the left, it does seem exactly how i described it

[tight cobalt]

In this scenario (a destination charge), a customer pays your platform for the service (with a cc, bank acount, or some other payment method type). Funds are transferred from your platform to the connected account's balance

[tired bane]

perfect. and if PaymetSheet is used how do we pass Connected Account info to it, is it something we need to store on our end or Stipe handles it

[tight cobalt]

If you use destination charges, you'll use your platform keys when making calls. The only time you'd need to pass the connected account's ID is when creating a PaymentIntent (for transfer_data.destination): https://docs.stripe.com/api/payment_intents/create#create_payment_intent-transfer_data

If you use direct charges, you'll use your platform keys but pass the connected account ID server side and client side: https://docs.stripe.com/connect/authentication?create-client=swift

[tired bane]

thank you!

I take it i can have my own api server handle it and not do it through the app directly correct?

[tight cobalt]

Your own backend server would handle creating PaymentIntents, right