charles-s_best-practices | Stripe Developers | Page 1

honest pewterBOT Apr 1, 2025, 7:34 PM

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raw tiger Apr 1, 2025, 7:35 PM

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Hello
I'm not sure I fully grasp your set up with Credits for Connected Accounts. Can you maybe share an example or something so that we're on the same page?

wanton cape Apr 1, 2025, 7:38 PM

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Sure, let's say I am running a promotion and I want to give a user money which they can spend in the platform, but cannot payout to their bank/card (i.e. I cannot just deposit the money in their stripe connect account). Does that make sense?

raw tiger Apr 1, 2025, 7:39 PM

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Gotcha. In that case, they become a "Customer" for your platform Stripe account correct?

wanton cape Apr 1, 2025, 7:40 PM

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Yes that is right, every buyer is associated to a Customer and every seller is associated to a connect account.

raw tiger Apr 1, 2025, 7:41 PM

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Are you using Invoicing for payments? If so, you could rely on Customer Credit balance for these - https://docs.stripe.com/invoicing/customer/balance

wanton cape Apr 1, 2025, 7:42 PM

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Yeah I noticed this page, I but I don't think it's applicable as there is no invoicing in my integration

raw tiger Apr 1, 2025, 7:42 PM

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If you use the PaymentIntents API directly though, then you'd want to track these credits in your own database instead.

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Gotcha. Then you'd want to just track the promotion on the application level (in your own database) and calculate the amount based on the balance these "Customers" have available

wanton cape Apr 1, 2025, 7:44 PM

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Ok cool, that is what I thought - but is it ok to keep all the money allocated for the credits in an account separate from the platform account? Just worried about bugs "overspending" credits and being unable to settle transactions between buysers + sellers

raw tiger Apr 1, 2025, 7:46 PM

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I'm not sure what you mean by that. The "credits/promotion management" is basically taking place outside Stripe in the flow above.

Your system calculates what credit applies to which customers etc. So I don't think it matters where your funds are located from Stripe's perspective.

The promo stuff is basically abstracted from Stripe. You're just telling us the amount to charge after the discount/promo

honest pewterBOT Apr 1, 2025, 7:46 PM

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wanton cape Apr 1, 2025, 7:48 PM

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Well the funds backing the credit need to be in Stripe, because if they are used for a purchase they need to flow to the seller's connect account. But it sounds like I am able to do whatever I want internally with the money movement. I just didn;t want to get flagged or something.

mystic pasture Apr 1, 2025, 7:50 PM

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What do you mean by 'get flagged or something'?

mystic pasture Apr 1, 2025, 8:26 PM

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It looks like you stepped away. Please note that we can't assist with compliance/ risk related questions related to holding funds and what that might entail. You'd want to talk to our support team. Our support team will be able to assist you better than I can: https://support.stripe.com/contact

#charles-s_best-practices