just-john_code | Stripe Developers | Page 1

vapid nightBOT Dec 17, 2024, 4:24 PM

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pulsar jackal Dec 17, 2024, 4:25 PM

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Here is the code for my setup intent if that's relevant:

paymentRouter.post(
  '/create-setup-intent',
  async (req: Request, res: Response): Promise<void> => {
    const { customerId } = req.body;
    let intent: Stripe.SetupIntent;

    try {
      intent = await stripe.setupIntents.create({
        customer: customerId, // Needed to allow saving and retrieving payment methods
        automatic_payment_methods: {
          // Supposedly enabled by default but breaks if not set here
          enabled: true,
        },
      });
    } catch (e) {
        ...
    }
    res.send({
      clientSecret: intent.client_secret,
    });
  },
);

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This is all working correctly in test mode with us taking 100% of the payment, I just need to know how to send payouts. Specifically, where to send

The customerId that I want to send the payout to
The fraction/percent they should recieve.

snow merlin Dec 17, 2024, 4:36 PM

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When setting up a SubscriptionSchedule, how do I direct a portion of the payment to my account and the rest to another account (without using Stripe Connect)?
What you're asking sounds impossible. The only way to split payment with another account/provider is using Connect.

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The customerId that I want to send the payout to
You cannot send Payouts to customers, only to conencted accounts

pulsar jackal Dec 17, 2024, 4:38 PM

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Hmm, this the opposite of what I was told before.

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This is where I was told I don't need stripe connect. #1308203876230627329 message

snow merlin Dec 17, 2024, 4:39 PM

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The way to split subscription revenue with another account is using application_fee_percent on the subscription and specifying a destination account (you keep the percent fee):
https://docs.stripe.com/connect/subscriptions#use-destination-charges-to-create-a-subscription

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You can optionally specify an application_fee_percent.

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https://docs.stripe.com/connect/subscriptions#collect-fees

pulsar jackal Dec 17, 2024, 4:40 PM

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snow merlin > The customerId that I want to send the payout to You cannot send Payouts to cu...

customerId was the incorrect terminology, my apologies. Stripe account ID.

snow merlin Dec 17, 2024, 4:40 PM

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That previous discussion was saying accounts are not needed for the buyer/customer, which is correct.

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But connected accounts are needed for providers/sellers, in order to transfer & pay out funds.

pulsar jackal Dec 17, 2024, 4:42 PM

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snow merlin That previous discussion was saying accounts are not needed for the buyer/custom...

The post I linked says that it doesn't matter what method I use I will always be able to take an application fee.

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I believe the only methods being discussed were stripe connect vs not.

snow merlin Dec 17, 2024, 4:43 PM

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It looks like that was referring to the discussion of which onboarding approach to use, hosted vs API

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There is no way to send funds out to other people outside of Connect

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Those recipients need to be onboarded, including identity verification/KYC etc, then you can do payouts for them.

vapid nightBOT Dec 17, 2024, 4:45 PM

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pulsar jackal Dec 17, 2024, 4:47 PM

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snow merlin Those recipients need to be onboarded, including identity verification/KYC etc, ...

So if they already have a StripeId that isn't good enough? I can't send just money to other Stripe accounts if I have their info?

devout chasm Dec 17, 2024, 4:48 PM

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Hello! I'm taking over and catching up...

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Can you clarify what you mean by StripeId? Are you talking about a Customer ID?

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If so, that won't work. Customers can only pay you money, they can't receive funds. You do indeed need to use Connect for the use case described above, and all of the recipients of funds need their own Stripe account.

pulsar jackal Dec 17, 2024, 4:51 PM

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Okay, maybe I should provide a little more context. We have two user types, customer (renters) and sellers more or less (the owners/landlords).

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We are programatically creating customer objects (but not "accounts" as I understand the term) for the renters.
For the owners, some already have stripe accounts and some will create their account (or we will "onboard", but keeping the experience in app is not important right now).

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In the subscription we are charging the customer and would like to add code to also send a payment to the owner.

devout chasm Dec 17, 2024, 4:56 PM

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If those were the only two parties involved that would work fine without Connect, but as I understand it there's a third party involved (you) and you want to take a fee for facilitating the transaction between the renters and landlords, correct?

pulsar jackal Dec 17, 2024, 4:58 PM

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Correct. But could you explain how it would work to send 100% of the money to the owner? If there is a way to do that I don't see how we couldn't just use that method along with what we are currently doing and send less than 100% to the owner.

devout chasm Dec 17, 2024, 4:58 PM

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Not sure I understand. Can you provide more context about what you're currently doing and why specifying a smaller amount would be the path forward?

pulsar jackal Dec 17, 2024, 5:00 PM

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Currently we are taking the money, and would need to pay the owners their share manually. We would like to automate that.

devout chasm Dec 17, 2024, 5:00 PM

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Going back to your original question:

When setting up a SubscriptionSchedule, how do I direct a portion of the payment to my account and the rest to another account (without using Stripe Connect)?

I want to be as clear as I can here: this is not possible without Connect, period.

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This is exactly the use case Connect was designed for.

pulsar jackal Dec 17, 2024, 5:00 PM

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Specifying a smaller amount is not in contrast to what we are currently doing, it is in contrast to sending 100% to a different stripe account because you said that is possible.

devout chasm Dec 17, 2024, 5:01 PM

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What I meant is that if only two parties were involved (renters and landlords) and you were not involved at all that would not require Connect. The landlord would have a Stripe account and they would charge the renters directly without another party involved.

pulsar jackal Dec 17, 2024, 5:04 PM

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devout chasm What I meant is that if only two parties were involved (renters and landlords) a...

Oh okay, I see what you're saying. I don't think that would work either actually, since I assume we'd need an API key from each of them to act on their behalf, and they're not that tech savvy, something like that would be way too much overhead.

devout chasm Dec 17, 2024, 5:04 PM

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Correct, it's not practical for the use case you describe. If you have a three party system you need to use Stripe Connect.

pulsar jackal Dec 17, 2024, 5:04 PM

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But it makes more sense now that I understand what you were saying.

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So to confirm my original second question: it is not possible to just send money to another stripeId without Connect. Correct?

devout chasm Dec 17, 2024, 5:05 PM

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Correct.

pulsar jackal Dec 17, 2024, 5:06 PM

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Okay thanks!

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In that case I believe I also need my original questions in the other thread answered. However, that is technically a different subject.

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Should I open a different support thread?

devout chasm Dec 17, 2024, 5:07 PM

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No, go ahead and ask other questions here!

pulsar jackal Dec 17, 2024, 5:08 PM

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Okay, bear with me as I have not looked at the options in quite some time.

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We originally selected these options:

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And then what I was wondering last time:

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but after reading more I am thinking that API onboarding may be needed, which changes the other options. Also not sure if I need "destination" to take a cut of the payments or if "direct" will suffice.

devout chasm Dec 17, 2024, 5:11 PM

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For your second question, your platform can take a cut of the payments with either direct or destination charges.

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For your first question, why do you think that API onboarding may be needed?

pulsar jackal Dec 17, 2024, 5:12 PM

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I'm trying to log back in right now to refamiliarize myself with the options. Please give me a few minutes, I was not expecting to need to set this up.

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Okay, when I went back in I got this screen instead.

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These options look correct, but less specific than the ones above. I am not sure how all of them correspond.

devout chasm Dec 17, 2024, 5:16 PM

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Have a look at this page in our docs, which explains all of these choices and lets you play with different configurations: https://docs.stripe.com/connect/design-an-integration

pulsar jackal Dec 17, 2024, 5:25 PM

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Okay. The option I would like for account management is "stripe" in the docs

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Where I don't need to embedd anything (other than maybe a link) in my app.

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However, the options are different than the docs:

devout chasm Dec 17, 2024, 5:28 PM

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I think you can make changes to your original selections here: https://dashboard.stripe.com/settings/connect

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I'm not sure exactly where in there, might be the Platform Profile toward the bottom.

pulsar jackal Dec 17, 2024, 5:31 PM

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That only allows viewing the settings. I need to change the settings to match my screenshot of the docs.

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I found the place to do that, but it is the second screenshot, and it is not clear which option matches the "stripe" option in the docs.

devout chasm Dec 17, 2024, 5:32 PM

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The Express Dashboard is what you need to change.

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Wait...

pulsar jackal Dec 17, 2024, 5:33 PM

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Yes, but what do I change it to?

devout chasm Dec 17, 2024, 5:33 PM

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Are you talking about this screenshot? #1318614818521088071 message

pulsar jackal Dec 17, 2024, 5:33 PM

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No. I want these options: #1318614818521088071 message

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But it's not clear which one corresponds out of the actual options here: #1318614818521088071 message

devout chasm Dec 17, 2024, 5:34 PM

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Right, but that's where you change those selections. You need to go there and change the Account creation and Account management options there.

pulsar jackal Dec 17, 2024, 5:34 PM

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I understand that. The quesiton is what do I change them to?

devout chasm Dec 17, 2024, 5:35 PM

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Can you show me what it says when you press the edit button for those options?

pulsar jackal Dec 17, 2024, 5:36 PM

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The screen I showed is the edit screen. Here it is with expanded options.

devout chasm Dec 17, 2024, 5:37 PM

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Oh, maybe you need to change Funds flow first. What's shown when you edit that?

pulsar jackal Dec 17, 2024, 5:38 PM

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I am certain that that option is correct.

devout chasm Dec 17, 2024, 5:40 PM

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Hm, I expected that to allow you to change from destination to direct charges. Maybe it's on the next screen?

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Are there more options if you press Continue?

pulsar jackal Dec 17, 2024, 5:41 PM

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Yes, it goes "Industry" "onboarding" "Where will sellers manage their account?"

devout chasm Dec 17, 2024, 5:42 PM

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Hm. You might need to reach out to Stripe support for help with this, we don't know a lot about how the Dashboard works here. We're more focused on the API and how you can specify these options in code when you create connected accounts.

pulsar jackal Dec 17, 2024, 5:43 PM

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Hmm, okay.

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So to make sure I understand what you're thinking:
Is it that you don't know which of the account management options corresponds to the "stripe" option in the docs?
Or is it that you think there should be another option there that is missing?

devout chasm Dec 17, 2024, 5:45 PM

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Both, actually.

pulsar jackal Dec 17, 2024, 5:45 PM

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Haha. Okay.

devout chasm Dec 17, 2024, 5:45 PM

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😅

pulsar jackal Dec 17, 2024, 5:49 PM

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Okay. I guess that's it then.

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Is this the right spot to ask?

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Looks like I may need more permissions.

devout chasm Dec 17, 2024, 5:52 PM

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Ah, try reaching out here: https://support.stripe.com/contact

pulsar jackal Dec 17, 2024, 5:54 PM

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Looks like AI only, but maybe there's an option to get to a person after AI fails.

devout chasm Dec 17, 2024, 5:56 PM

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There should be, yep.

#just-john_code