#squirez_best-practices
wet minnowBOT
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heady kelp
👋 Hi there, let me take a look
heady kelp
Yeah, so there are different possibilities, and Destination charges is one of the options.
Payments are made to your platform, and then you can automatically transfer the money to the connected account
As mentioned in the Marketplace guide, there is also separate charge and transfer, where you choose to transfer the money later to one or more parties: https://docs.stripe.com/connect/separate-charges-and-transfers
warm bluff
Im currently using Destination charges where the seller has to provide there payout bank details, which is not what they want to do
are you saying that
separate charge and transfer
would allow me to collect money
and then transfer it to a seller once they create a connect account?
heady kelp
What is it that your users are not comfortable with? Having to provide their bank account details as part of the onboarding process?
If you're creating charges on behalf of a user, they will have to have a verified Connect account before this is possible
warm bluff
Essentially yes, as the users don't feel comfortable providing bank account details before they have even made a sale
What they would like to do
is advertise on my platform
and once a sale has been made ( a seat is sole for a rideshare)
then at a later date they can provide there bank details, as they now know they have money to be collected
hopefully that makes sense hat i just said
heady kelp
Yup. Let me check on this. In general being able to accept payments as a connected account, and having payouts active are separate
warm bluff
*what
wet minnowBOT
restive dust
Hi there, taking over for @heady kelp as they had to step away
warm bluff
hello
restive dust
On a technical level, the separate charges and transfers approach works for your use case, because it doesn't require any connected account information to make the initial charge, it is the platform's responsibility to transfer the funds afterwards
https://docs.stripe.com/connect/separate-charges-and-transfers
However, there may be legal concerns that I'm not as familiar with
As you are holding a connected accounts money without them being fully onboarded
This document goes over required verifications to collect for each country when using Connect
https://docs.stripe.com/connect/required-verification-information
So it may depend on the country of your platform and connected accounts
warm bluff
oh ok
so i am able to collect money for a seller without initally knowing their connect account
and once they have signed up a created a connect account i would then be able to transfer money to them?
is that correct?
restive dust
Yes, that works (again, on a technical level). If you look at the example in this guide https://docs.stripe.com/connect/separate-charges-and-transfers, you can see that the connected account's information is only used during the transfer portion of the flow, not the charge portion
You would not respond to that specific webhook in your case, you would transfer the funds once the platform is fully onboarded
Again, this is on a technical level. You will need to consult the verification information I sent to understand the legal concerns