vtor_connect-externalaccount

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• vitor_connect-embedded-onboarding, 2 days ago, 33 messages

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[vital turtle]

Hello

You are using Embedded Onboarding components here?

[somber spade]

hey

yes

[vital turtle]

Gotcha and what type of Connected Accounts are you working with here?

[somber spade]

import { ConnectComponentsProvider, ConnectAccountOnboarding } from "@stripe/react-connect-js";

im creating custom accs

// Create a new Stripe account for the user const account = await stripe.accounts.create({ type: 'custom', country: 'BR', email: data.email, capabilities: { card_payments: { requested: true }, transfers: { requested: true } }, business_type: 'individual', });

[vital turtle]

Okay and are you collecting external accounts via Hosted Onboarding here? Specifically in your Dashboard here: https://dashboard.stripe.com/test/settings/connect/payouts/external_accounts is Collect external account information for Custom accounts enabled?

[somber spade]

hmm im not sure i understood

i create acc > create session > would expect embedded form

[vital turtle]

Sure and when you do that you see a button which then opens up a modal to collect an email/password, correct?

Or do you not see an embedded button at all?

[somber spade]

correct

[vital turtle]

Okay so yeah that button which leads to a popout modal is because you are collecting external accounts via embedded onboarding. This means that your users need to enter an email/password so that they can manage their external account. That occurs in a new window.

If you collect external accounts yourself, then this would not happen and the entire onboarding flow would be embedded

[somber spade]

ok

so how can i do this?

how can i collect external accs myself? and what exactly are external accs?

[vital turtle]

External Accounts are bank accounts or debit cards that are used to payout your Connected Accounts. See: https://docs.stripe.com/connect/payouts-bank-accounts with information on how you would do this yourself without using Hosted Onboarding

[somber spade]

so

would i need to pass and give this information of external accs on the create stripe connect account or create stripe connect session?

on which moment exactly /

[vital turtle]

Yes either on creation (https://docs.stripe.com/api/accounts/create#create_account-external_account) or you can do it later on via update (https://docs.stripe.com/api/accounts/update#update_account-external_account)

[somber spade]

ok

so what exact information do i need to pass in this code?

const account = await stripe.accounts.create({ type: 'custom', country: 'BR', email: data.email, capabilities: { card_payments: { requested: true }, transfers: { requested: true } }, business_type: 'individual', });

[spark bone]

Hello bismark is stepping out soon so I am taking over the thread. Catching up now...

[somber spade]

ok

[spark bone]

So as those doc sections say, you can pass the same parameters that the create external account call needs or you can separately create a token and then pass that. I'd suggest trying the first method as that is less API calls
https://docs.stripe.com/api/external_account_bank_accounts/create
https://docs.stripe.com/api/tokens/create_bank_account

[somber spade]

im not understanding

// Create a new Stripe account for the user const account = await stripe.accounts.create({ type: 'custom', country: 'BR', email: data.email, capabilities: { card_payments: { requested: true }, transfers: { requested: true } }, business_type: 'individual', });

what fiels should i add here?

should i do this

const externalAccount = await stripe.accounts.createExternalAccount( 'acct_1032D82eZvKYlo2C', { external_account: 'btok_1NAiJy2eZvKYlo2Cnh6bIs9c', } );

then this

// Create a new Stripe account for the user const account = await stripe.accounts.create({ type: 'custom', country: 'BR', email: data.email, capabilities: { card_payments: { requested: true }, transfers: { requested: true } }, business_type: 'individual', });

or should i do this

// Create a new Stripe account for the user const account = await stripe.accounts.create({ type: 'custom', country: 'BR', email: data.email, externalAccount = await stripe.accounts.createExternalAccount( 'acct_1032D82eZvKYlo2C', { external_account: 'btok_1NAiJy2eZvKYlo2Cnh6bIs9c' }, capabilities: { card_payments: { requested: true }, transfers: { requested: true } }, business_type: 'individual', });

externalAccount = await stripe.accounts.createExternalAccount( 'acct_1032D82eZvKYlo2C', { external_account: 'btok_1NAiJy2eZvKYlo2Cnh6bIs9c', }

in acct_1032D82eZvKYlo2C is this the acc id ?

[spark bone]

You can do the btok token, the alternative is passing account_number, country, currency, account_holder_name, and account_holder_type to the external_account hash in your account creation call

[somber spade]

so how would my json look like?

i need you to be clearer

im confused

[spark bone]

Wait whoops I edited the wrong example of yours

Is this helpful?

      type: 'custom',
      country: 'BR',
      email: data.email,
      capabilities: {
        card_payments: { requested: true },
        transfers: { requested: true }
      },
      business_type: 'individual',
      external_account:  { 
        account_number: '12345',
        country: 'US',
        ...
      }
    });```

[somber spade]

so not use the btok token ?

external_account: { account_number: '12345', country: 'US', ...

but i woudlnt have acc number or country before creating them?

shouldn't i create the external account on the stripe.accounts.create?

[spark bone]

Correct, that is how you pass the data directly in to the call instead of using a bank account token. If you don't want that pop up modal, you will need to collect these details yourself at some point. If you don't want to do this on account creation, you can do the same thing from that create call except in an update call after the user has filled out their initial info.

[somber spade]

i do not understand

im super confused

external_account are bank accounts correct?

[spark bone]

Correct

[somber spade]

ok

and i need to have ext acc info before rendering the embedded form

otherwise it will render a redirect btn

correct?

?

are you there?

[spark bone]

I think you can turn the button off with this setting https://dashboard.stripe.com/test/settings/connect/payouts/external_accounts

[somber spade]

that's not what bismarck told me

how can i add this code

[spark bone]

I don't think bismark commented on that when I read that message

[somber spade]

onto this code?

i want to create an external acc on the stripe.accounts.create

[spark bone]

With the code from this message. I thought we were determining whether you even wanted to do that right now #1254820624279404646 message

[somber spade]

yes, but i mentioned that i dont have any information

external_account: { account_number: '12345', country: 'US', ..``

on acc unmber or country

how can i pass information to external_account

if i dont have any ?

and this piece of code

const externalAccount = await stripe.accounts.createExternalAccount( 'acct_1032D82eZvKYlo2C', { external_account: 'btok_1NAiJy2eZvKYlo2Cnh6bIs9c', } );

is telling me to generate the information with a token

[spark bone]

In that case, you wouldn't pass that info on account creation. You would create the account, have our embedded onboarding collect the rest of their info, collect the external account info yourself, and then use that to add an external account to your connected Account via the update account call.

[somber spade]

in which case?

i mentioned 2 cases

[spark bone]

Not sure what you mean by that. Are you talking about accounts.create and accounts.createExternalAccount as the two cases here? Or something else?

[somber spade]

bro

let me try to explain again

const account = await stripe.accounts.create({ type: 'custom', country: 'BR', email: data.email, capabilities: { card_payments: { requested: true }, transfers: { requested: true } }, business_type: 'individual', });

on the stripe.accounts.create

should I

1. Create an external account as well during the stripe.accounts.create, like this:

``// Create a new Stripe account for the user
const account = await stripe.accounts.create({
type: 'custom',
country: 'BR',
email: data.email,
externalAccount = await stripe.accounts.createExternalAccount(
'acct_1032D82eZvKYlo2C',
{ external_account: 'btok_1NAiJy2eZvKYlo2Cnh6bIs9c' },
capabilities: {
card_payments: { requested: true },
transfers: { requested: true }
},
business_type: 'individual',
});
externalAccount = await stripe.accounts.createExternalAccount(
'acct_1032D82eZvKYlo2C',
{
external_account: 'btok_1NAiJy2eZvKYlo2Cnh6bIs9c',
}`

passing externalAccount = await stripe.accounts.createExternalAccount( 'acct_1032D82eZvKYlo2C', inside the stripe.accounts.create object

2. Or should I first create the external account

const externalAccount = await stripe.accounts.createExternalAccount( 'acct_1032D82eZvKYlo2C', outside the stripe.accounts.create object

and only then pass the recently created external acc to the stripe.accounts.create object

const account = await stripe.accounts.create({ type: 'custom', country: 'BR', email: data.email, capabilities: { card_payments: { requested: true }, transfers: { requested: true } }, external_account = ? business_type: 'individual', });

[spark bone]

You can't do either of those if you don't have the bank account info up front

If you don't have the info up front, you have to onboard the account without it and then add the bank account later

[somber spade]

ok, so what bank account info do i need upfront? in order to be able to create stripe external acc

[spark bone]

The data that the external account create call takes, namely account_number, country, currency, account_holder_name, and account_holder_type

[somber spade]

where can i see this in the docs?

[spark bone]

Unfortunately I am not finding a doc that demonstrates this specific flow. You could pass it in the way that I demonstrated in the message with the account create call #1254820624279404646 message

Taking a step back, is there a specific reason that you want to avoid this modal? It may be easier to address that issue and enable you to use Financial Connections, which would make this process much easier

[somber spade]

i do not wish to do the modal

i want the form to be embedded

` const account = await stripe.accounts.create({
type: 'custom',
country: 'BR',
email: data.email,
capabilities: {
card_payments: { requested: true },
transfers: { requested: true }
},
business_type: 'individual',
external_account: {
account_number: '12345',
country: 'US',
...
}
});``

here there's external_account: { account_number: '12345', country: 'US',

[somber spade]

but here you've mentioned multiple other fields

like : namely account_number, country, currency, account_holder_name, and account_holder_type

so what should i do ?

[spark bone]

Pass them in the same hash

That is what the ... placeholder represented.

If you try to write that call and fill out all of those fields within the same external_account hash, I think that will make it clearer

[somber spade]

what do you mean?

i dont understand

can u show me what im supposed to do?

[spark bone]

Can you tell me more about which part is confusing? I already showed where those parameters go, are you trying to understand what data goes in to each? Or something else?

Also if this is just a UI preference, I would highly reccommend reconsidering this. Allowing users to use our pre-built popup would make this a smoother experience for most users and would be easier for your to code as you wouldn't need your own bespoke workaround.

[somber spade]

i do not wish to do the modal
i want the form to be embedded
` const account = await stripe.accounts.create({
type: 'custom',
country: 'BR',
email: data.email,
capabilities: {
card_payments: { requested: true },
transfers: { requested: true }
},
business_type: 'individual',
external_account: {
account_number: '12345',
country: 'US',
...
}
});``
here there's external_account: {
account_number: '12345',
country: 'US',
Vítor Zucher — Hoje às 19:47
but here you've mentioned multiple other fields
like : namely account_number, country, currency, account_holder_name, and account_holder_type
so what should i do ?

like

what params should i pass to this object?

[spark bone]

They go in the same external_account parameter that the other external account fields go in to.

[somber spade]

ok