#hamid_api

1 messages ¡ Page 1 of 1 (latest)

agile baneBOT
#

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fossil nova
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Bank information is generally how we would handle payouts to the connect account.

tender venture
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yes, I got that, but can't user connect without it?

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For example this is how i am creating connect account

account_params =
        if country_code == 'US'
          {
            type: 'express',
            country: country_code,
            email: account_info[:email],
            business_type: account_type,
            capabilities: {
              card_payments: { requested: true },
              transfers:     { requested: true }
            }
            # NOTE: no tos_acceptance: { service_agreement: 'recipient' } for US
          }
        else
          {
            type: 'custom',
            country: country_code,
            email: account_info[:email],
            business_type: account_type,
            capabilities: { transfers: { requested: true } },
            tos_acceptance: { service_agreement: 'recipient' }
            # NOTE: tos_acceptance: { service_agreement: 'recipient' } for mx
          }
        end

      if account_type == 'individual'
        account_params[:individual] = {
          first_name: user.first_name,
          last_name:  user.last_name,
          phone:      clean_phone,
          address:    common_address
        }
      else
        account_params[:company] = {
          name:   account_info[:business_name],
          phone:  clean_phone,
          address: common_address
        }
      end

      account = Stripe::Account.create(account_params)

then I create an account link and redirect user to that stripe url

after connectivity it comes back. with

account.charges_enabled
and
stripe_payouts_enabled

If user do not login with his bank account while on boarding , what will happen, how e can let user to add/link bank account information later?

fossil nova
#

You can set a preference here so the account link doesn't require this information when they go through the onboarding flow

Screenshot_2025-08-12_at_4.57.06_PM.png
agile baneBOT
fossil nova
#

It depends on the type of connected account, if it's standard account, they will have dashboard access and can add external accoutn details later.

tender venture
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interested as i have same setting, but it asks user to login, so can user skip that step, or is it necessary?

fossil nova
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It will ask but they shoudl be able to skip that step.

tender venture
#

hmm, okie
but what about following variables? what will those be returned?

account.charges_enabled
and
stripe_payouts_enabled

true stratus
#

Hi @tender venture I'm taking over this thread. Give me a sec to catch up

tender venture
#

true for both or what?

#

sure thing, thanks @fossil nova

true stratus
tender venture
#

wait a sec

#

but I didn't find bank information, can you help me with this?

we have two countries

  1. platform(US) to account(US)
  2. platform(US) to account(MX)
true stratus
#

It's called "External account"

tender venture
#

but point here is

#

External account
First payout
external_account

#

this is what actually is written, so it is require for first payment

true stratus
#

It's required for first payout

tender venture
#

but account/user can connect with out it?

true stratus
#

They can connect to your platform without providing an external account, but they need to provide one in order to receive payouts

tender venture
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yea got it

#

so lets say, they didn't connect with external accounts, then what stripe -> account will have for the following vars.

#

account.charges_enabled
and
stripe_payouts_enabled

true stratus
#

If they haven't provided an external account, then its payouts_enabled will be false.

tender venture
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Lets say they are back with payouts_enabled false, how they can add or connect with extrnal accounts later? can we implement that in our platform to add external bank information with the connected account so that we will get payouts_enabled true?

#

and can transfer the funds to that account?

true stratus
#

Sure, you can use Connect embedded component to collect the information, or send a Connect onboarding (aka account link) URL to your connected account and ask them to fill up

tender venture
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which means we can send then again to stripe to fill that up later, right?

true stratus
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Yes you are right.

tender venture
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but i want to get that information in our platform like this.

see attached.

image1.png
#

as if it will go to stripe again , it will ask again user to get login to bank account and user don't want that.

true stratus
#

So you want to collect the information in an embedded form rather than sending your user to Stripe hosted onboarding form?

tender venture
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yup, and then link that to already connected account with(enabled_payouts: false)

#

so here is the complete process.

  1. user will connect and will not give external bank(will skip)
  2. user will get back with enabled_payouts: false
  3. we will show user a form in our platform to fill up that bank's information
  4. we will link that bank's information with the connected account(with enabled: false)
  5. now payouts_enabled will be true, right?
true stratus
tender venture
#

I don't see any form on that link you provide above.