#oxmarco_code
errant swanBOT
👋 Welcome to your new thread!
⏲️ We'll be here soon! We typically respond in a few minutes, but in some cases we might need a bit more time (e.g., server's busy, you've got a complex question, etc.).
⏱️ We close idle threads, which makes them read-only. Once a thread is closed it won't be reopened, but you can start a new thread if you have another question.
🔗 This thread will always be available, even after it's closed. You can find it again using Discord's search, or you can save this link: https://discord.com/channels/841573134531821608/1247164912845852713
📝 Have more to share? Add details, code, screenshots, videos, etc. below.
heavy pumice
const session = await this.stripe.checkout.sessions.create({
line_items: [
{
price_data: {
tax_behavior: 'exclusive',
currency,
product_data: {
name: 'file',
images: [img],
},
unit_amount: price,
},
quantity: 1,
},
],
mode: 'payment',
success_url: redirectSuccess,
cancel_url: redirectCancel,
automatic_tax: {
enabled: false,
},
tax_id_collection: {
enabled: false,
},
invoice_creation: {
enabled: false,
},
payment_intent_data: {
application_fee_amount: price / 10, // 10%
capture_method: 'automatic',
transfer_data: {
destination: stripeAccountId,
},
},
metadata,
});
dim niche
No, there's no built-in way to make the fees visible, but you can manually create Products and Prices for this.
heavy pumice
should I just add more items to the line_items array?
and call them like stripe fee and app fee
dim niche
Yes, that would work.
heavy pumice
wouldn't that mess up the application fee though?
say price is $10, then I add stripe fee on top 1.5%+$0.25, then 10% app fee
dim niche
Yes, normally you wouldn't pass the fees onto your customer, so you will have to work around it and do all the calculations yourself: https://support.stripe.com/questions/passing-the-stripe-fee-on-to-customers
Please note:
In some jurisdictions, charging processing fees to your customers is prohibited by law.
heavy pumice
I see, if I stick to my current code, who is paying stripe fees?
dim niche
The Platform account, but since you collect application fee from your Connected account, it should cover that.
heavy pumice
ok then the connected account will pay both the stripe fee and the app fee, right?
dim niche
Yes
Well, not exactly. CA will just pay the application fee, and then your Platform will pay the Stripe fee, but given the former is 10%, it should cover the Stripe fee.
heavy pumice
I see, some items are like $0.5
app fee would collect $0.05 but the min Stripe fee is $0.25
thus I need to make the min price $2.5 if I want to make sure the stripe fee is covered
dim niche
Yes, that sounds right.
heavy pumice
ok, one last thing, would it be possible to review the complete flow before I go to prod?
dim niche
Sure, you can try almost every Stripe feature in Test mode - using your test keys
heavy pumice
1. Register user
return await this.stripe.accounts.create({
email,
controller: {
losses: {
payments: 'application',
},
fees: {
payer: 'application',
},
stripe_dashboard: {
type: 'none',
},
requirement_collection: 'application',
},
capabilities: {
card_payments: {
requested: true,
},
transfers: {
requested: true,
},
},
business_type: 'individual',
business_profile: {
mcc: '5815', // digital_goods_media
url: `https://example.com/users/${userId}`,
},
country: 'DE', // TODO get from ip
tos_acceptance: {
date: Math.floor(Date.now() / 1000),
ip,
},
});
2. Onboard user
return await this.stripe.accountLinks.create({
account: stripeAccountId,
refresh_url: 'https://example.com/profile?verification=false',
return_url: 'https://example.com/profile?verification=true',
type: 'account_onboarding',
});
3. Listen to wekhooks
const event = await this.stripeService.processWebhook(
requestBody,
signature,
);
if (event.type === 'checkout.session.completed') {
await this.processCheckout(event);
} else if (event.type === 'account.updated') {
await this.processAccountUpdate(event);
}
my questions are:
- is this process correct?
- should I validate the
account.updatedhook to make sure the user has successfully been onboarded - are payments sent to the user on a rolling basis or do I need to create payouts manually?
simple rock
Hi there 👋
- looks right, are you running into problems during your testing that you're trying to troubleshoot?
- Absolutely
- It doesn't look like you're overriding Payout settings to be manual, so they will be sent automatically.
heavy pumice
hey 👋
- no, but the documentation is a bit confusing, probably due to the extreme flexibility of Stripe APIs
- Can I just watch the webhook data or should I call a specific endpoint to validate the user status?
- is there any fee savings when using manual vs automatic payouts?
simple rock
You need to look at the contents of the account.updated Event. Some key fields to check are charges_enabled, payouts_enabled, and the requirements hash. They give you a good sense of the state of the account.
I'm not sure if there any cost savings, we aren't familiar with fees in this forum and mostly focus on helping with our API. You'll want to contact our Support team for questions regarding pricing and fees:
https://support.stripe.com/?contact=true
heavy pumice
ok perfect then
heavy pumice
```typescript
const session = await this.stripe.checkout.sessions.create({...
on this, I think a few items are duplicated
like automatic_tax and tax_id_collection
simple rock
Nope, those control different features.
automatic_tax
Settings for automatic tax lookup for this session and resulting payments, invoices, and subscriptions.
https://docs.stripe.com/api/checkout/sessions/create#create_checkout_session-automatic_tax
vs
tax_id_collection
Controls tax ID collection settings for the session.
https://docs.stripe.com/api/checkout/sessions/create#create_checkout_session-tax_id_collection
heavy pumice
ok perfect
that was all
I guess I can ask the commercial support for tax-related questions, right?
simple rock
Sure, if it's a question about integrating one of our tax related products into your integration, we're likely the better channel for that. If the question is about pricing for our tax products, or if you disagree with how we calculated tax for a given transaction, then those are better handled by our Support team.
heavy pumice
well my question is simple, my company is located in a country that doesn't have taxes (Gibraltar) serving mainly UK and DE customers, should I charge taxes or not?
simple rock
That's a question that you should ask your legal advisor/tax advisor.
heavy pumice
Stripe tax is not available for Gibraltar
I assume then I can't activate the automatic_tax flag
simple rock
I'm not too familiar with the regional limitations there. I'd expect you'd encounter an error if you're trying to use something that isn't available to your account though, when you make the request to create the session.
simple rock
👍 sounds good
heavy pumice
Oh one thing
can I avoid setting the country upon registration?
return await this.stripe.accounts.create({
email,
controller: {
losses: {
payments: 'application',
},
fees: {
payer: 'application',
},
stripe_dashboard: {
type: 'none',
},
requirement_collection: 'application',
},
capabilities: {
card_payments: {
requested: true,
},
transfers: {
requested: true,
},
},
business_type: 'individual',
business_profile: {
mcc: '5815', // digital_goods_media
url: `https://privatedrops.me/users/${userId}`,
},
country: 'DE', // TODO get from ip
tos_acceptance: {
date: Math.floor(Date.now() / 1000),
ip,
},
});
here country: 'DE', // TODO get from ip
simple rock
Should be able to, do you get an error when you try to do so?
heavy pumice
no