shahzad_connect-customer-transfers | Stripe Developers | Page 1

echo jasperBOT Jan 13, 2025, 4:43 PM

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keen wave Jan 13, 2025, 4:47 PM

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Hi 👋

When you collect funds from a customer they are applied to your Stripe balance. This is separate from Top Ups entirely and not related.

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What is it you are trying to do?

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And our guide here: https://docs.stripe.com/payments/bank-transfers/accept-a-payment

has details on how to go about collecting the details

languid canyon Jan 13, 2025, 4:50 PM

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we've implemented stripe identity in our platform.

whoever varifies their account via stripe identity we're giving them rewards in terms of money. they're not business owners/users. would like a simplest way for them to get paid as stripe connect requires to input business details which is irrelevant

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keen wave Jan 13, 2025, 4:51 PM

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we've implemented stripe identity in our platform.

These are unrelated topics.

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Are these uses creating Stripe accounts?

languid canyon Jan 13, 2025, 4:51 PM

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we don't want the users to fill in business details as they're not business owners.

a stripe element to collect their banking/carding details and we payout to them

keen wave Jan 13, 2025, 4:52 PM

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No, that is not possible

languid canyon Jan 13, 2025, 4:52 PM

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care to elaborate?

keen wave Jan 13, 2025, 4:53 PM

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You cannot just send money to your customers.

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They would need to create Stripe Accounts and then you would transfer funds to you

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Bank Transfers allows customers to "push" funds to your Stripe account but it does not allow you to push funds to their account

languid canyon Jan 13, 2025, 4:54 PM

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what about this?

https://docs.stripe.com/api/transfers/create

Create a transfer | Stripe API Reference

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

keen wave Jan 13, 2025, 4:55 PM

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That moves funds from one Stripe Account to another Stripe account

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Your customers would need to have Stripe Accounts

languid canyon Jan 13, 2025, 4:56 PM

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we can create express account for them? no

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e.g

    'type' => 'express',
    'country' => 'GB',
    'email' => 'user@example.com', // Replace with user email
]);```

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and then link their account

    'account' => $account->id,
    'refresh_url' => 'https://example.com/reauth',
    'return_url' => 'https://example.com/success',
    'type' => 'account_onboarding',
]);```

keen wave Jan 13, 2025, 4:57 PM

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But then they would need to link this to their bank account

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Yes

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That is using Stripe Connect

languid canyon Jan 13, 2025, 4:58 PM

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yep so without stripe connect we cannot collect user banking details and pay them?

keen wave Jan 13, 2025, 5:00 PM

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Correct

languid canyon Jan 13, 2025, 5:22 PM

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could you guide me to the correct flow here?

keen wave Jan 13, 2025, 5:24 PM

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Not really, no. While your use case may sound straight-forward to you, Stripe Connect is a large topic with many different potential configurations and may ways to implement it.

I recommend you review our documentation starting here: https://docs.stripe.com/connect/how-connect-works

#shahzad_connect-customer-transfers