xbeat_account-customer | Stripe Developers | Page 1

sterile havenBOT Aug 28, 2024, 5:28 PM

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xbeat_best-practices, 2 days ago, 5 messages

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nova widget Aug 28, 2024, 5:30 PM

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@spiral ore the Customer represents the person paying. The Account represents the entity/individual receiving the funds.
So in the flow you described, you charge John doe (Customer) $10 for a box of cookies and you send $8 to the connected account that sells that box and keep $2 for yourself.

So in your question, for the "charge" part, you charge the Customer with ACH Debit.

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xbeat_account-customer

spiral ore Aug 28, 2024, 5:35 PM

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Oh okay and I wouldnt need to make a stripe connect object to do this charge? Because I'm want to be able to charge my customer in the background via the data I'm reciving from plaid on their transactions

nova widget Aug 28, 2024, 5:37 PM

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correct but there isn't really a "stripe connect object" so I'm not sure what you meant by that.

But if you are only accepting payments from customers for your own business then you don't need to use Stripe Connect at all

spiral ore Aug 28, 2024, 5:51 PM

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what I meant my stripe connect is the stripe connect account product : https://docs.stripe.com/connect

nova widget Aug 28, 2024, 5:52 PM

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the product is called Stripe Connect.

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But you don't need this unless you are facilitating payments for another entity. Such as I sell cookie on your website and you accept payments and give me my funds

spiral ore Aug 28, 2024, 5:55 PM

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I will be facilltings payments but it was all supposed to be handled in the background so the customers can just spend and we charge the a percentage after the transactions and we send the majority of the funds after the charge to the end entity

nova widget Aug 28, 2024, 5:56 PM

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You really should do this as part of collecting the payment in that case

spiral ore Aug 28, 2024, 5:58 PM

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gotcha will the plaid access token I have allow me to do charges with the token or do I need acquire the ach information?

nova widget Aug 28, 2024, 5:59 PM

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John Doe (cus_12345) pays $10 and you send $8 to the connected account (acct_123456)

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And yes the plaid token lets you accept payments. Though note that this is a separate company and while their integration works we have our own product that does something similar called FinancialConnections so I'd encourage you to look into it instead of using Plaid: https://docs.stripe.com/financial-connections

spiral ore Aug 28, 2024, 6:03 PM

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Thank you for explaning this I appreciate it 🙂

#xbeat_account-customer