mnmalikdev_unexpected | Stripe Developers | Page 1

gloomy bobcatBOT Oct 31, 2024, 7:36 PM

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fair cove Oct 31, 2024, 7:39 PM

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Hi 👋 is your Platform account based in the US?

pure patio Oct 31, 2024, 7:42 PM

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yes

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we have stripe atlas

fair cove Oct 31, 2024, 7:43 PM

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Gotcha. I think you're looking for our Cross-Border Payouts flow then:
https://docs.stripe.com/connect/cross-border-payouts

Where you'll use the recipient service agreement, and only request the transfers capability for the Connected Account:
https://docs.stripe.com/connect/service-agreement-types#choosing-type

Cross-border payouts

Transfer and pay out funds around the world.

Service agreement types

A service agreement establishes the relationship between Stripe and the platform's users.

pure patio Oct 31, 2024, 7:44 PM

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Actually our users should be able to use card payments . if I request transfers only, will they be able to make payment frmo their credit/debit cards like now?

heres the full code thouh
async createConnectAccount(createConnectAccountDto: CreateConnectAccountDto) {
const account = await this.stripe.accounts.create({
type: 'express',
country: createConnectAccountDto.countryPrefix, // country
email: createConnectAccountDto.email, //email
capabilities: {
card_payments: { requested: true },
transfers: { requested: true },
},
settings: {
payouts: {
schedule: {
interval: 'manual',
},
},
},
business_type: createConnectAccountDto.businessType, //business type
business_profile: {}, //business profile
company: {}, //company information
...(createConnectAccountDto.countryPrefix === 'US'
? {
tos_acceptance: {
service_agreement: 'full',
},
}
: {}),
});

// update the user in the database
if (account.id) {
  await this.userService.updateUserConnectAccountId(
    createConnectAccountDto.email,
    account.id,
  );
}

return {
  status: 200,
  message: 'Connected account created successfully',
  data: account,
};

}

fair cove Oct 31, 2024, 7:46 PM

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if I request transfers only, will they be able to make payment frmo their credit/debit cards like now?
Who is "they" in that scenario. Your Connected Accounts or their customers?

pure patio Oct 31, 2024, 7:47 PM

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by they i meant connected accounts

fair cove Oct 31, 2024, 7:48 PM

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Connected Accounts don't make payments, they receive them.

pure patio Oct 31, 2024, 7:48 PM

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I see. let me explain the use case a bit more so you can guide me better

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User A which is a buyer comes on our platform and after signs up , onboards himself (creates a connect account on our platform).
After his onboarding is complete, he creates a contract and in order to initiate it and send to seller (User b) he needs to pay an amount. that amount is going to be stored in escrow of seller connect account. This amount is done by card payment.
once contract is complete, seller delivers, we release the amount/money with the payout api for the seller.

The current bug is that hen we are on-boarding someone, if he does not choose country as USA while onboarding, he gets an error which is
"you cannot request card_payments capability for accounts in NG "...

WhatsApp_Image_2024-10-12_at_10.17.35_PM.jpeg

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Please note both buyer and seller here is acting as a connect account with our platform

fair cove Oct 31, 2024, 7:55 PM

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Okay, but the buyer's connect account isn't involved in them buying something, right? Instead you create a Customer object to represent the buyer and collect their payment method details?

pure patio Oct 31, 2024, 7:55 PM

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If i have understood your question right, Yes they are since they are making a card payment and for that we first onboard them as a connected account.

fair cove Oct 31, 2024, 7:57 PM

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Connected Accounts don't make payments, Customers do.

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Connected Accounts receive payments.

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The card_payments capability is for letting your Connected Accounts accept card payments.

pure patio Oct 31, 2024, 7:58 PM

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I see...

fair cove Oct 31, 2024, 7:59 PM

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Have you taken a look at our guides for processing a payment for a Connected Account and decided on a charge structure to use for your flow?
https://docs.stripe.com/connect/charges

Create a charge

Create a charge and split payments between your platform and your sellers or service providers.

pure patio Oct 31, 2024, 8:00 PM

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Thanks for the help.
I will go thorugh it and get back to you with a better understand and more questions tomorrow

fair cove Oct 31, 2024, 8:01 PM

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Any time! We'll be here

#mnmalikdev_unexpected