kob_api

[hybrid plinth]

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[cunning hemlock]

hi! do you understand the distinction between Direct and Destination Charges? Do you know which one(or both) you're using, for the card-not-present(not Terminal) and the card-present(Terminal) integration?
https://docs.stripe.com/connect/charges#types

Express accounts should always be used with Destination Charges.

[visual lark]

Hello! Thanks for the quick reply and the reference material. Provided what we saw in the request bodies and how it is functioning from a user perspective, I think you've put words to the exact issue - we are using Direct Charges when users take a card-not-present payment , and Destination Charges for card-present payments.

Direct Charges seem more like what we are aiming for - the users need visibility into the full charge amount and the fee that is being transferred to us. They get this with card-not-present transactions, but do not have the same visibility for card-present transactions. In addition, they lack this visibility for refunds. Can you help me understand why Destination charges are preferred for Express Accounts?

[cunning hemlock]

Can you help me understand why Destination charges are preferred for Express Accounts?
because the liability for refunds and disputes is with the platform and you can manage/control the flow of funds. If you use Direct Charges, the liability is with the Connected account, and Express accounts do not have a full Dashboard experience and can not issue refunds or respond to disputes or see full customer/payment details.

the users need visibility into the full charge amount and the fee that is being transferred to us
you can build your own UIs that helps to make this clear to the users in your system based on the information in the API, or do things like set the description on the destination_payment that appears in the Express Dashboard. https://support.stripe.com/questions/how-can-you-carry-over-the-description-or-metadata-to-the-payment-on-the-connected-account-for-a-destination-charge