paris311_best-practices | Stripe Developers | Page 1

warm ruinBOT Jan 21, 2025, 9:56 AM

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green leaf Jan 21, 2025, 10:04 AM

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The payment method captured on the payment link belongs to the Provider, so it should be removed.
No sure what you mean?
The subscription should be paid from the balance of the Owner's Connected Account.
Not supported today I'm afraid. Instead you'd need a Customer object on your platform that maps to the connected account that you can charge: https://docs.stripe.com/connect/subscriptions#connected-account-platform
Tenant invoices should have the payment option of a bank transfer to a Swiss IBAN per connected account. How should we handle that?
Would be supported in certain conditions via a Bank Transfer, need to see a specific example to understand why

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Fixed the link – included wrong one initially

narrow hearth Jan 21, 2025, 10:15 AM

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The payment method used initially in the payment link belongs to the Provider, not to the Owner, but as the link is processed, a new Customer and a new Subscription will be created, with this payment method attached to that new Customer. I don't want this payment method to be used automatically to pay the Subscription though.
Given that I already have a customer object related to each connected account, how can I transfer funds between them?
Here's an example of an invoice with the bank transfer option https://dashboard.stripe.com/test/invoices/in_1Q0VaVEmmAsNZVwXtf1JI0B9. Stripe automatically created a German IBAN. I need that but with a Swiss IBAN.

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Alternatively, I can put in there a Swiss IBAN belonging to the platform owner, with an automatic transfer option to Stripe, but firstly, how will I know which Connected account should receive the funds and secondly, how can I omit those funds from the platform's income, so that the platform is not charged with tax for them.

warm bane Jan 21, 2025, 10:27 AM

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Hi! I'm taking over from my colleague. Please, give me a moment to catch up.

narrow hearth Jan 21, 2025, 10:27 AM

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sure thanks!

warm bane Jan 21, 2025, 10:37 AM

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Could you please explain what's the difference between the Provider and the Tenant?
Currently, you will need to pay them out, and then charge their provided PaymentMethod. You can't send funds between Connected accounts.
I guess the reason is that the currency of the Invoice is EUR.

narrow hearth Jan 21, 2025, 10:49 AM

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The business is related to Solar Panel in buildings, so Provider is the technical firm that will install them, while Tenants are the people that live in the building. Owner is the building owner who hired the Provider and gets paid by the Tenants.
So the Owner should pay the subscription themselves and withdraw the money from their Connected account balance separately, right?
So no way to do that with CHF invoices, right? how about the alternative solution above?

warm ruinBOT Jan 21, 2025, 10:59 AM

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warm bane Jan 21, 2025, 11:00 AM

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Owner is paying to the Provider? They're both Connected accounts?
Yes. Perhaps it would be possible to redirect part of the Tenants' pay-ins directly to the Provider? If you store funds that are not for payouts of your funds on the Platform account balance, it's easier to distribute it among the Connected accounts.
I believe if you create an Invoice in CHF, the IBAN will be Swiss. Also, do you have a Swiss balance in your Platform account?

narrow hearth Jan 21, 2025, 11:11 AM

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No, the Provider only pays the initial payment link and then he doesn't take part in any other transactions. Everything else related to him is handled outside of the platform.
When I try to add the Bank transfers in a CHF invoice, this option is not available.

fierce phoenix Jan 21, 2025, 11:12 AM

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👋 taking over for my colleague. Let me catch up.

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would you mind sharing the invoice ID?

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is this in_1Q0VaVEmmAsNZVwXtf1JI0B9 the invoice you're looking at?

narrow hearth Jan 21, 2025, 11:25 AM

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that was just an example but my questions are not related to a specific invoice. If you read the thread please I think you will understand my questions.

fierce phoenix Jan 21, 2025, 11:27 AM

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I'm failing to understand to be honest

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would you mind simplifying the ask please?

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let's set use these terms so we could have the same terminology:
1- Platform: for your platform account
2- Merchant: for your Connect Account = seller
3- Customer: buyer

narrow hearth Jan 21, 2025, 11:30 AM

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Sure, let me rephrase my ask!

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1 & 2. There is one more entity in the process, the Provider, who is none of the above. He just pays a payment link initially, but that payment creates also a subscription as the link contains both one-off products and recurring ones. The Provider should pay only for the one-off products But the subscription should be created against a Merchant. After this payment, the Merchant actually is being created, he doesn't exist prior to it. The flow is the following:
a. Merchant hires a provider to pay the link above, among other things not related to stripe. As said above, this payment will create a subscription for the Merchant, not the provider.
b. Merchant receives an onboarding link to create a connected account
c. Invoices are created for Customers to pay the Merchant.
d. Merchant needs to pay the subscription from the balance of his connected account.

Invoices to Customers should have the payment option of a bank transfer. This option adds an IBAN to the invoice. We need that IBAN to be Swiss as the transactions are in CHF.

fierce phoenix Jan 21, 2025, 11:43 AM

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the Provider, who is none of the above. He just pays a payment link initially, but that payment creates also a subscription as the link contains both one-off products and recurring ones
is that the customer?

warm ruinBOT Jan 21, 2025, 11:54 AM

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narrow hearth Jan 21, 2025, 11:59 AM

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fierce phoenix > the Provider, who is none of the above. He just pays a payment link initially...

nope, he's just paying the initial payment link and that's it.

narrow hearth Jan 21, 2025, 12:19 PM

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is anyone here?

snow parrot Jan 21, 2025, 12:20 PM

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Hey! Taking over for my colleague. Let me catch up.

snow parrot Jan 21, 2025, 12:20 PM

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narrow hearth nope, he's just paying the initial payment link and that's it.

I'm not sure I understand your answer here, sorry.

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d. Merchant needs to pay the subscription from the balance of his connected account.
OK I see, so you have a Connected Account (one of your providers) that is considered as a Customer too for your platform (you invoice them for the usage of your platform)

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right ?

narrow hearth Jan 21, 2025, 12:22 PM

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the Provider is not a Merchant, not a Customer. He's someone else, that is not related to any other transaction.

narrow hearth Jan 21, 2025, 12:22 PM

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snow parrot > d. Merchant needs to pay the subscription from the balance of his connected ac...

that's right, the connected accounts should pay a subscription to me

snow parrot Jan 21, 2025, 12:22 PM

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Then he is considered as a normal Customer for you ?

snow parrot Jan 21, 2025, 12:23 PM

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narrow hearth that's right, the connected accounts should pay a subscription to me

You need to create a Stripe Customer object that maps the Connected Account and handle it as any end customer with a Subscription

narrow hearth Jan 21, 2025, 12:23 PM

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snow parrot Then he is considered as a normal Customer for you ?

no, he just pay's the initial payment link, but then the subscription should be paid by the Merchant

snow parrot Jan 21, 2025, 12:24 PM

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Sorry I don't understand you

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Do you have a diagram for the funds transfers between all these involved entities ?

narrow hearth Jan 21, 2025, 12:24 PM

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snow parrot You need to create a Stripe Customer object that maps the Connected Account and ...

let me create one for you

snow parrot Jan 21, 2025, 12:25 PM

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Thanks!

narrow hearth Jan 21, 2025, 12:38 PM

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there you go

snow parrot Jan 21, 2025, 12:39 PM

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Awesome thanks.

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So Provider and Tenant should be represented by Stripe Customer object.

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Once the Provider pays, your integration creates a Subscription for the Connected Account (merchant)

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You don't create a Subscription from the PaymentLink

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The PaymentLink will just be a one time payment.

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You need to create a Subscription via Dashboard or API for the Connected Account that will continue to pay the monthly subscription

narrow hearth Jan 21, 2025, 12:43 PM

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yes but is it possible to pay the subscription from the Connected Account's balance directly?

snow parrot Jan 21, 2025, 12:43 PM

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I think there is a preview feature for this but not yet publically available.

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Please reach out to Stripe Support at https://support.stripe.com/contact and see if you can be onboarded to the private beta or not.

narrow hearth Jan 21, 2025, 12:48 PM

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alright, will do, thanks! If not available though, what should I do?

snow parrot Jan 21, 2025, 12:50 PM

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You create a Customer object that represents the Merchat (Connected Account), and treat them like any end customer with a Subscription

narrow hearth Jan 21, 2025, 12:51 PM

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so separated from the connected account, right?

snow parrot Jan 21, 2025, 12:53 PM

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Yeah, you create the Customer at the platform level

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For example, you set a metadata with the Corresponding Connected Account Id or you track the mapping in your own database.

narrow hearth Jan 21, 2025, 12:54 PM

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got it!

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how about the bank transfer option for a CHF invoice? Can it have a Swiss IBAN?

snow parrot Jan 21, 2025, 12:59 PM

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Sorry I'm not sure to understand your follow up question.

narrow hearth Jan 21, 2025, 1:06 PM

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it's my original 3rd point. When a tenant pays an invoice, we need to have the bank transfer option too, but for CHF. Is that possible?

warm bane Jan 21, 2025, 1:08 PM

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Have you tried creating a Invoice with currency=chf?

narrow hearth Jan 21, 2025, 1:12 PM

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yes but the bank transfer option is not available

warm bane Jan 21, 2025, 1:16 PM

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Sorry, I just noticed that this is not supported in Switzerland: https://docs.stripe.com/payments/bank-transfers

narrow hearth Jan 21, 2025, 1:33 PM

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Alternatively, I can put in there a Swiss IBAN belonging to the platform owner, with an automatic transfer option to Stripe, but firstly, how will I know which Connected account should receive the funds and secondly, how can I omit those funds from the platform's income, so that the platform is not charged with tax for them.

warm bane Jan 21, 2025, 1:36 PM

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put in there a Swiss IBAN belonging to the platform owner
How would you do this if bank transfers are not supported in CHF?

narrow hearth Jan 21, 2025, 1:38 PM

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it will be a topup to the platforms account and then a transfer to the connected account

warm bane Jan 21, 2025, 1:39 PM

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You mean it would be handled outside of Stripe?

narrow hearth Jan 21, 2025, 1:40 PM

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part of it. The payment from the customer will be done outside of stripe. Then the platform owner will top up that amount to stripe. and then it will be transfered to the connected account

warm bane Jan 21, 2025, 1:44 PM

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Yes, that's possible. You just need to keep track of the fund amounts on your side.

#paris311_best-practices