#morteza_api
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hybrid quartz
can we just get users card's number and then save it on our servers ?
and sometime transfer money for them. ?
hollow ravine
Hi 👋 allowing users to withdraw funds from Stripe to their bank account requires them to be onboarded to Stripe. Our solution for this is called Connect:
https://stripe.com/connect
https://docs.stripe.com/connect
hollow ravine
can we just get users card's number and then save it on our servers ?
Collecting and storing card numbers on your own servers puts a large PCI compliance burden on you. If you aren't already certified to be PCI compliant, I would suggest avoiding trying to collect raw card numbers and instead use our abstractions to allow us to collect and store those details for you.
Additionally, since cards can represent credit or debit cards, you can't push funds to them. In order to send funds to an external account (bank account or debit card) aside from the one that belongs to you, you will need to use Connect.
hollow ravine
I'm sorry, I don't understand what you're trying to ask. Would you mind elaborating?
hybrid quartz
sure, imagine I have a mastercard and I order some fodd on an e-commerce app I also have a wallet on that platform and want to withdraw $5 off my wallet, what should I do
the user of app isn't onboarded on the stripe connect
hollow ravine
Use Connect. You need to onboard your users as both a Customer and a Connected Account.
The Customer can add Payment Methods that can be used for making payments.
The Connected Account can receive funds from your Platform account (your Stripe account belonging to you and the e-commerce app). This allows them to accrue a balance in their Stripe Account, since a Connected Account is a version of a Stripe Account. Then the Connected Account can receive payouts from their Stripe balance to their External Account, similar to how your Platform does for its own Stripe balance.
hybrid quartz
so you mean when they signup on our platform we should create a customer on stripe and a conected account right ?
hollow ravine
Correct
hybrid quartz
so when they withdraw money we just send money from the main account to the connected account balance and don't need to get any card numbers ?
I don't get this part
Then the Connected Account can receive payouts from their Stripe balance to their External Account, similar to how your Platform does for its own Stripe balance.
hollow ravine
Details for an External Account (either a bank account or debit card) are collected during the onboarding process for Connect. Exactly how that looks will depend on how you decide to structure your Connected Accounts, and which onboarding flow you decide to use for them to onboard to Stripe.
The options, and valid combinations of those, are listed here:
https://docs.stripe.com/connect/design-an-integration
hybrid quartz
and when they signup they should go through stripe's onboarding process ?
hollow ravine
If you decide to use one of our hosted onboarding flows, then yes. Otherwise, you will need to build an onboarding flow to collect the necessary details from your users and provide those to us.
The three onboarding options available are explained in here:
https://docs.stripe.com/connect/onboarding
and that document also links you to related documentation for each specific onboarding flow so you can take a closer look at how you would need to implement them.
hybrid quartz
by the way, when we send money to a connected account is it available on the bank account or credit card they have registed during onboarding process ?
hollow ravine
No. I'm going to add some Stripe specific verbiage here to try to better articulate the Connect flows that are explained in our documentation.
Transfers are the objects that are created to move funds from a Platform Account to a Connected Account, assuming you're using either a Destination Charges or Separate Charges & Transfers fund flow.
Transfers do not send funds to an External Account, they only move the funds within Stripe. Moving them from the Platform's Stripe Account balance, to the Connected Account's Stripe Account balance.
A Payout is the object that represents funds moving from a Stripe balance to the associated External Account. When those Payouts are created depends on whether you're using automatic payouts, and if so how you set up the payout settings, or manual payouts where requests must be made to create Payouts.
hybrid quartz
so in my use case if we create accounts and someone requests a withdraw from their wallet, we trigger a payout from platform account to a payment method added for a connected account ??
hollow ravine
No. You cannot trigger a Payout to a Payment Method. As mentioned above, you would create a Transfer from your Platform account to your Connected Account (assuming you aren't automatically transfering funds to your Connected Accounts when you accept a payment). Then a Payout will need to happen to move those funds from Stripe to the bank account or debit card (External Account) that the Connected Account owner provided during onboarding. That Payout may happen automatically, or may need to manually be triggered, depending on how you choose to structure your Connect integration.
I would suggest reviewing our documentation on Connect more thoroughly. I know there is a lot to ingest there, but that's because Connect is naturally a complex product with lots of options to best suit your needs.
hybrid quartz
great, isn't they any way to get user's card number in a complaint way and ask stripe to transfer money ?
hollow ravine
Yes, using our onboarding flows, or using our UI components in your own onboarding flow, as shown in our onboarding guides.
Then to ask Stripe to transfer the funds, you make a request to create a Transfers, as shown in our guide for a Separate Charges & Transfers flow:
https://docs.stripe.com/connect/separate-charges-and-transfers
hybrid quartz
for example with react antive sdk, or elements but not to pay but for transfer money, do we even have such a service by stripe ?
hollow ravine
You wouldn't use our react native SDK or elements for the transfer, that would be handled by your backend server. Collecting the details for the External Account is handled by onboarding, where you can use our prebuilt hosted onboarding flows, or use Elements as part of a custom onboarding flow you build.
hybrid quartz
ok , thanks Toby, you helped a lot. I appreciate