#daartanian_connect-flows

1 messages · Page 1 of 1 (latest)

odd pastureBOT
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thin gate
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Oh hey @clever crescent 👋🏻 nice to see you again. Hopefully this isn't a face palm kind of question 😬

clever crescent
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👋 nice to see you again. You're losing me a bit with the vocabulary you use so I'll try to clarify:

  • A platform represents your business. You should ~never need your own platform's account id so it should be irrelevant. The fact you are looking for it is part of your confusion
  • A connected account represents third-party entities (individual or businesses) that you accept payments for. Those accounts are "connected" to your platform account. You know those account ids because you created those yourself.

When you create a PaymentIntent, on_behalf_of should be the connected account id, never your own account/platform account

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daartanian_connect-flows

thin gate
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I see, this might be part of my problem. Our platform has people creating Stripe Connect accounts underneath our Stripe Account so that we can receive a payment and then pass part of that payment collected to them. Our platform is a white label product that we sell to businesses.

So... in my brain...

Connect Account (my platform / business)
|
--- Connect Account #1 (White Label person)

So... I would think that on_behalf_of for the time being would be our Stripe Account ID being passed in.

The main reason is that I want to make sure we don't deduct funds from our account (we are using the Seperate Charges And Transfers charge type) to transfer to Connect Account #1 until the original payment (in our Connect Account) has settled.

It sounds like I am thinking about this wrong, can you help me clarify where that is?

clever crescent
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Yeah I don't really follow

Connect Account (my platform / business)
This is definitely the wrong vocabulary and way to think about it. You are a platform. You are not a "Connect Account". I don't know what you mean by those words unfortunately but it's way too close to the term "connected account" for my liking at least.

You are a platform. John doe pays you $10. And then you send $9 to a person who has a connected account (a Stripe account connected to your platform)
Is that what you are doing?

thin gate
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Ok, so my company's Stripe account that recieves payment from end users of the platform is not considered a Connect Account even though it passes money around to Connect Accounts and uses the Connect feature?

clever crescent
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correct, it's what platform means in that context. You are a platform!

thin gate
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Oh interesting. That helps clear some things up.

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So the only time I would use the on_behalf_of is if I wanted to NOT have my platform name / info on the credit card charge, but instead my White Label people's info?

clever crescent
thin gate
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yup, looking at the doc as we type

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so it looks like to guarantee this:

With a source_transaction, the transfer request returns success regardless of your available balance. However, the funds don’t become available in the destination account until the funds from the associated charge are available to transfer from the platform account.

which is why I even went down the rabbit hole of the on_behalf_of which nows I see has nothing to do with this, I need to provide a chargeID

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but the paymentIntent object does not have that chargeId on it from what I can see

clever crescent
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A good real life example is: as a customer when I buy on Amazon, I pay Amazon. Amazon will show their info in my payment, so they wouldn't use on_behalf_of

When I buy something on Shopify, I usually don't know about Shopify, I buy from the business selling the product directly. So Shopify would use on_behalf_of

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but the paymentIntent object does not have that chargeId on it from what I can see
it does, it has latest_charge

thin gate
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got it, that is very helpful

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on both things

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I think that is all for now. I appreciate your responsiveness and help @clever crescent 👍🏻

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I'll write back in if I need anything else