#ajc12_api
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orchid sable
Hi there. Can you share your Stripe account ID with me so that we can take a look at your Connect integration?
You can find your account id by logging in to https://dashboard.stripe.com/settings/account . It'll have the prefix acct_
atomic forge
Our stripe account ID is acct_1KA2KsEfXTbE444G
orchid sable
Okay, so it looks like you are currently using Custom Accounts [0].
When you say "Direct Charges", does it mean you're looking to use Standard Accounts [1] instead? Converting an existing connected account type is not possible via the Dashboard or the API. You will need to create a completely new account. In this case, it means you will need to create a new Standard account for your existing users.
[0] https://docs.stripe.com/connect/custom-accounts
[1] https://docs.stripe.com/connect/standard-accounts
atomic forge
Sorry -- both are custom accounts, but I am looking to convert from custom Destination to custom Direct.
orchid sable
That's not a design we recommend mainly because the Custom Account won't
have access to a Stripe Dashboard. Given Direct Charges creates the payment on the Custom Account, without a Dashboard access, the Custom Account holder won't be able to manage dispute or refund when it arises.
Another reason is when it comes to reporting, you will always need to use Stripe-Account header to retrieve payment information from your connected accounts. Your connected accounts also will not be able to retrieve these reports because they have no Dashboard access.
And because this is not a reccommended design, there may be other edge cases you could run into that isn't described above.
Why are you looking to use Direct charges with Custom accounts?
atomic forge
We have a platform in which the accounts can perform refunds and see dispute information (we have webhook integrations setup to relay dispute information). Platform accounts won't have stripe dashboard access (Direct or Destination). We are a donation platform for non-profits and churches. Using the destination account, all money on our 1099k looks like it was monies that came to our business, but our platform just facilitates donations by customers to acocunts. We make very little on donations (the majority of the money that comes to our platform is through subscription services -- not donations in the marketplace). The numbers on the 1099K is not indicative of our business model and our financial counsel indicated we should NOT process donations this way.
orchid sable
Thanks for the context, so it sounds like you'd like the donations to go directly to the connected account, instead of passing through your Platform account due to tax reporting.
One concern we have is whether a 1099k will be automatically generated for your Custom Accounts, especially if they are using Direct Charges. This is not something we can advice on this channel, so you will want to contact our support team on this edge case.
You can contact our support team here: https://support.stripe.com/contact
atomic forge
Thanks! I can reach out to the support channel. In terms of the technical aspects of converting a custom Destination to Direct: we would need to create a new account with Direct as the type. Can we assign existing customers (connected to the platform i.e. not assigned to any account) to a direct connect account?
orchid sable
You can copy data into a connected account, but you need to initiate a migration. I think this is what you're looking for: https://docs.stripe.com/get-started/data-migrations/pan-copy-self-serve?copy-method=full#copy-into-or-out-of-a-connect-account
atomic forge
Thanks -- this will copy PAN and customers into a Stripe Account?
Can I as the platform owner initiate the migration or will I need someone from Stripe to help? Will the customer and payment methods be kept? Will the customer IDs and payment method IDs still be the same?
orchid sable
The page above does says the Platform needs to intiate the migration steps, so yes. You'd need to reach out to support on the specifics of the migration because this is not a topic we are familiar with in this channel.
atomic forge
ok, thank you for your help