#deland_best-practices
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blazing cobalt
I tried holding funds on the connect account and delaying payouts to an external account until they've completed required onboarding.
But this doesn't work because I'm want to cover the scenario where they haven't even accepted Terms of Service (which enables Transfers)
hardy helmBOT
vital canyon
Hi 👋 based on your verbiage and since you're using Express Connected Accounts, it sounds like you're referring to a Destination Charges flow.
With that flow what you described isn't possible. The Connected Account must be able to receive the subsequent transfer in order for the payment to proceed. If they can't we surface an error.
The only alternative coming to mind is to use Separate Charges and Transfers instead:
https://docs.stripe.com/connect/separate-charges-and-transfers
However, before doing so I would strongly recommend speaking to your legal advisor and ensure you are permitted to operate in that fashion, and if so know how to handle the scenario of a Connected Account never completing onboarding.
blazing cobalt
Hi Toby, I am using seperate charges and transfers to control when my seller receives funds. We're in the clear legally, as long as it isn't against Stripe ToS (I contacted Stripe Support to confirm).
So with seperate charges and transfers, what would you recommend?
I see a few fields that could help besides metadata, but I need a way to group certain charges/payments so I know what funds are owed to a seller that hasn't completed onboarding yet.
I could hold it in the connect account, but I would need to have the seller accept Stripe ToS through my application rather than the Express Onboarding form.
I know this is possible with a Custom account, but can I do this with Express?
vital canyon
You can't hold the funds in the Connected Account if they haven't completed onboarding, neither for Custom or Express. If the account doesn't have the transfers capability then you can't initiate a Transfer to them.
Instead you'd have to hold the funds in the Platform account, and Transfer them later (assuming there are no legal restrictions preventing that).
I can't comment on whether this is against our terms, that is a subject matter that our Support team will need to provide clarity on.
This is largely something that you would need to track on your end. You may be able to set values on the related Stripe objects to help track those, but there isn't a way to configure Transfers to automatically happen once the Connected Account completes onboarding, you will need to initiate those Transfers.
blazing cobalt
Ahh okay thanks for the confirmation. Can I update stripe service agreement acceptances through the API with Express accounts? Apparently that's the only thing I need in order to enable transfers.
I'd prefer my users not to go through onboarding until they absolutely need to—such as adding a bank account to receive payouts from their connect balance.
blazing cobalt
I could hold it in the connect account, but I would need to have the seller acce...
This link for reference
vital canyon
Not for Express Connected Accounts. That's only supported for Custom Connected Accounts. That limitation is mentioned in the description of the tos_acceptance hash that would be used to provide us with the details of the user's acceptance to our terms:
https://docs.stripe.com/api/accounts/create#create_account-tos_acceptance
blazing cobalt
Got it, thank you very much
vital canyon
Any time!