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1 messages · Page 1 of 1 (latest)

lavish anvilBOT
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dire rapids
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What charge type do you use? Direct Charges, Destination Charges or Separate Charges & Transfers?

mystic rampart
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Direct charges

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This is my current implementation await stripe.paymentIntents.create( { amount, currency: currency || 'cad', application_fee_amount, payment_method_types: ['card'], description, metadata, }, { stripeAccount: accountId } );

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then using the Stripe components on the Front end with the SDK initialized with the stripeAccount

dire rapids
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With stripeAccount header, you will create the payment intent on its corresponding connected account

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What is the issue or challenge you're facing?

mystic rampart
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so this is working great at the moment, but for a different use case that I'll have to implement in the near future I would need to handle more than once accountId.

The use case:
I'm creating a membership structure for organizations where their parent organization takes a piece of their membership revenue

Example:
My user wants to become a member of Organization A and needs to pay a fee of 50$, Organization B is the parent of Organization A and takes a cut of 15$ off of that 50$.

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Is there a way to create one intent that will charge the user 50$, Organization A will then be charged the Stripe Fees and application fees and also send 15$ to Organization B

dire rapids
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It sounds like you're trying to split the payments between two organisations. In this case, I'd recommend using Separate Charges and Transfers (SC&T) instead.

Each organisation will be a connected account itself. The payment will be collected using SC&T flow at the platform instead of connected account like Direct Charges. After the payment is collected at the platform, the platform will then split the payment and transfer the funds to respective connected account: https://docs.stripe.com/connect/separate-charges-and-transfers

Create separate charges and transfers

Create charges on your platform account and transfer funds to multiple connected accounts.

mystic rampart
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under that setup, I would be in charge of paying the Stripe fees, right?

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as the platform

dire rapids
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Yes, that's right

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Since the platform has the control of the amount to transfer to the connected account, the platform can exclude the Stripe fee from the amount to transfer to the connected account

mystic rampart
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is there a way to consistently know the right Stripe fees for that? I launched my current implementation with Destination Charges and quickly lost money because I didn't calculate the fees properly, it's important to me that I don't charge the orgs more than the actual fees and since fees are different depending on the type of charges, I couldn't calculate it appropriately

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by type of charges I mean if the payment card is cross border/international, probably the wrong term

dire rapids
mystic rampart
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wish I found that when I needed it 😂 awesome, thank you that's super helpful!

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one last thing: does that change anything related to taxes? since I'll be the platform charging the amounts, it would mean that I need to handle taxes and not the connected accounts?

dire rapids
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Do you mean collecting the tax from the customer who makes the payment, or the tax filing of the connected account / platform?

mystic rampart
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I guess both 😅

dire rapids
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Payment Intent doesn't collect the tax from customer automatically. To include the Stripe Tax, I'd recommend checking this guide: https://docs.stripe.com/tax/payment-intent

For tax filing, I'd recommend checking with Support https://support.stripe.com/contact as this channel is for technical integration questions and we don't have necessary expertise on the tax filing.

Calculate tax in your custom payment flows

Integrate Stripe Tax into your custom payment flows to automatically calculate, collect, and manage taxes. Link tax calculations to payment intents, handle tax transactions and reversals, and streamline tax compliance in your payment processes.

Stripe: Help & Support

Find help and support for Stripe. Our support site provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

mystic rampart
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Ok gotcha, just one more thing I just thought about. With SC&T I wouldn't need to use the application_fee_amount field anymore, correct? Just deduct them from the total I'm manually transferring?

dire rapids
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Yes, that's right!

mystic rampart
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Ok awesome, thank you!

dire rapids
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No problem! Happy to help 😄