#kevintu23_docs

1 messages · Page 1 of 1 (latest)

tidal vectorBOT
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celest hinge
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👋 I don't fully grasp your exact question just yet. It's also a bit complex as we are changing our API to make this easier and our docs are... confusing to say the least

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In the past:

  • a Customer was a person paying for a service
  • an Account was an entity (individual or company) providing a service and being paid for it

It made it crisper what each entity was representing, but it made it harder when a Customer would something want to be an Account to provide a service (like a Lyft driver that gets paid but sometimes uses Lyft as a customer to get somewhere)

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My read is that in that world a tenant is a Customer (they pay rent) and an owner is an Account as they rent some space and get paid for it, is that the right read?

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cc @cedar dust

cedar dust
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Yes! That's right, tenants are customers since they pay rent. Owners must receive the payment money and see it in their real bank account.

What I have understood so far is that owners must have a connected account to Stripe, and every time that tenants pay their rent in my application, they must be redirected to a form where they can enter their card information and complete the payment.

Is it the correct flow? Or am I missing something important in between?

celest hinge
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What I have understood so far is that owners must have a connected account to Stripe
correct!

and every time that tenants pay their rent in my application, they must be redirected to a form where they can enter their card information and complete the payment
incorrect!

You can collect card details (or bank account details which is more common for rent), save those in Stripe and then charge the tenant (the Customer) once a month automatically for example. That's how I pay my own rent on RentCafe personally

cedar dust
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Oh, I see. Can I also store the owner's bank account details in Stripe to receive their customers' payments? If so, this must be done in the onboarding interface that I can customize in my Stripe platform's settings, right?

celest hinge
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Can I also store the owner's bank account details in Stripe to receive their customers' payments?
Yes. It's basically required. You onboard each owner so they get their own Stripe account with all information about themselves or their business, including bank account details.
If so, this must be done in the onboarding interface that I can customize in my Stripe platform's settings, right?
That's one way. There are many ways to integration our Stripe Connect product. The first step is likely to decide how you plan to integrate

tidal vectorBOT
cedar dust
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This is getting clearer to me, thank you so much.

You can collect card details (or bank account details which is more common for rent), save those in Stripe and then charge the tenant (the Customer) once a month automatically for example.
Do you know what documentation can help me to learn how to store (from my application) each customer's bank account in Stripe? And how to link it to its corresponding owner?

sturdy needle
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👋 taking over here

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That would be a SetupIntent flow. Which interface are you currently using? (Checkout or Elements or you are still considering?)

cedar dust
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Hi! Actually, I was still not very aware of the use of interfaces to process this, but I just checked it out, and I think I would prefer to use the Elements interface. Maybe I can embed the UI component in my own application to get the customer's card details?

sturdy needle
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And you would need to implement this above one of three Connect flow: Direct Charge or Destination Charge or Separate Charges and Transfers.

cedar dust
# sturdy needle Yes Elements works that way! ~~Here is the Doc you would want to start with: ht...

Thank you, I'll check it out! Just to make sure I've understood well so far:

  • Owners (sellers in my application) must be prompted to complete the onboarding interface to collect their bank account details and store them in Stripe.
  • Tenants (customers in my application) must fill out the Elements component with their card or bank data each time they want to pay their rent.
  • This way, their card will be charged, and the corresponding owner will receive the money.

If I'm not wrong, I'm using the Direct Charges flow here, right?

sturdy needle
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Tenants (customers in my application) must fill out the Elements component with their card or bank data each time they want to pay their rent.
This parts is different 🙂 They will need to fill out the Elements components once when register, and giving concensus that this will be auto-deduct monthly.
Then monthly, Stripe will deduct their card / bank account for the same amount automatically

cedar dust
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One last question, is there a way to link customers' payments with a seller's bank account? So that the tenants' payments can be correctly transferred to their owner's account? 🙂

sturdy needle
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When the tenants pays, it will create a Transaction in Stripe, and eventually the fund will flow into the owner account.
So you don't need to "link". The transaction will natually do that

cedar dust
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I see. For example, if I have different owner accounts in my Stripe platform, how can I specify which owners correspond to what tenants in Stripe? In order to establish a relationship between them to process the payment flow.

sturdy needle
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Each owner is a Connected Account - which is a standalone Stripe Account.
Using the Direct Charge flow, each tenant is a Customer, belong to a specific Connected Account. So it's the 1:n relationship.

To put an example: you as the SaaS platform, can have 100 Connected Accounts (owners). Each of them has 1000 different Customers (tenants)

cedar dust
cedar dust
sturdy needle
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And when I create a Customer object in my application, I can specify which Account it belongs to, right
Yes correct, by the {stripe_account: '{{CONNECTED_ACCOUNT_ID}}'}, parameter

sturdy needle
cedar dust
cedar dust