#meruemsama7212_api
still cliffBOT
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- meruemsama7212_api, 1 day ago, 30 messages
sturdy obsidian
Hi,
1-the merchant create an account with personnal infos
2-Once connected he has to create his etablishment with company infos.
3-Once company infos filled, he enter his bank details in order to do SEPA mandate.
Employee
4-Once all sets, he invite a customer(employee) with link, this employee register with personal infos.
5-Employee send KYC in order to add externakl bank account to send tips from virtual iban or wallet (that represent his amount of tips in the plateform)
edgy escarp
Which part are you having issues with exactly?
sturdy obsidian
From the customer of the restaurant :
The customer wants to pays the bill when the waiter enter the amount and press ok, the app iin the terminal shows if he wants to give tip if yes the tip is captured and showed in the employee and merchant dashboard
Each week a SEPA is made with the amount of the tip captured, send to the merchant e-wallet, a comission is taken by the palteform (me) and then he redistribute tips to employees
i am having understanding the creation flow from your api'
edgy escarp
send to the merchant e-wallet
What's e-wallet?
sturdy obsidian
it's the connected account
edgy escarp
Basically, Connected account's Stripe balance, right?
sturdy obsidian
yes
edgy escarp
Basically, it seems like you need this flow: https://docs.stripe.com/connect/separate-charges-and-transfers
This helps you charge the customer, and then transfer the funds to multiple Connected accounts, in a separate step.
The Platform will accept the payments, before Transfering, but you can use on_behalf_of paramer to mark the restaurant as the settlement merchant, e.g. to display their statement descriptor.
Does this sound like what you're looking for?
sturdy obsidian
thanks, so when the merchant creates an account, it will create a plateform account and when inviting employees they will create connected accounts right?
edgy escarp
Not exactly.
Your own company is the Platform account. And both restaurants and employees are Connected accounts.
The Platform takes the payments (charges the customers), and then transfers it to the merchants and employees.
sturdy obsidian
merchant is not taking money, the amount of tips collected by the team should be redistributed to employees (with equal parts), but i think it is indeed the separate charges and transfers
merchant account manage settings (how much % of tips each employees can take, invite employees etc...)
edgy escarp
But your company just collects tips or full payments?
sturdy obsidian
Let's say the merchant choose to collect tips every weeks, so i will reveive the amount of tips collected for the current week, take the commission of 10% then redistribute to merchant team that is composed of employees
with a SEPA Mandate
still cliffBOT
sturdy obsidian
In my flow i was thinking about doing the SEPA Wire each week if the merchant choose a week base transfer, then the money from the wire wich are tips are sent to the vitrual merchant account on stripe, then redistributed to his own connected account, like in the image, the buyer is the merchant, the sellers are the employees
buoyant shale
Hey! Taking over for my colleague. Let me catch up.
sturdy obsidian
Hey how are you
You will understand with the image a provided
it might be this flow then
the payment intent is the sepa mandate >>> Sent to my platformAccount >>> my plateform takes the charg of 10% >>>> send the reminder amount to the restaurant (merchant) >>>>> the merchant send tips to connected account(employees) am i right?
buoyant shale
Yes seperate Charge and transfers is a good option for this...
sturdy obsidian
so There is my Plateform that have connected accounts wich are merchants and merchants have also connected accounts?
Here is the flow they provide for the image
The customer pays 100 USD.
Stripe deducts a fee of 3.20 USD and adds the remaining 96.80 USD to the platform's pending account balance.
The platform transfers 70 USD to the restaurant's connected account and 20 USD to the driver's connected account.
A platform fee of 6.80 USD remains in the platform's account.
buoyant shale
Yes that could be achievable I think
sturdy obsidian
customer pays 100, this is the sepa wire
stripe deducts a fee and send to my platform
My plateform transfer the full amount less my platform charge 10% so 90 directly to the merchant's connected account
so the question here is what account has the merchant?
buoyant shale
The merchant has a Connect Account to your Platform Account
sturdy obsidian
Ok, in the dashboard i can see thant connected accounts can have customers, are customers his employees?
or i have to create also connected account for my plateform and link the connected account to the merhcnat connected account?
buoyant shale
Ok, in the dashboard i can see thant connected accounts can have customers, are customers his employees?
No Customers are their clients... those who can pay them ...
sturdy obsidian
ok, since Stripe doesn’t natively support hierarchical relationships between connected accounts i have to do the logic by taking id's accounts in my app and do the magic
buoyant shale
Yes you can do that mapping in your integration.
sturdy obsidian
Ok got it thanks for your patience, thanks also vanya for me. Have a great day 🙂
buoyant shale
Happy to help!