meisei81-accounts

[errant zephyr]

@stiff saffron what is "the shopping app platform"?

But anyone using Stripe to recieve money has to have an account yes and provide some identity veriification information(https://support.stripe.com/questions/know-your-customer-obligations)

You can 'whitelabel' the experience by creating the accounts for the users yourself and managing the whole onboarding using custom accounts if you don't want them to have to explicitly create an account directly with Stripe, but it's a lot of integration/coding work to do that. https://stripe.com/docs/connect/custom-accounts

[stiff saffron]

Hello, Our team try to find a simple way to use stripe payment to improve user experience. Now the merchant in our shopping app, they firstly register the stripe account to get stripe client id and secret. We think the register flow is a little more complicated so we try to find another way to register stripe account. We don't want the merchant to register stripe account directly, but we want to use the stripe api to register. The merchant what they should do just fill out their payment info in our shopping app.

[errant zephyr]

We don't want the merchant to register stripe account directly, but we want to use the stripe api to register
that's what Custom accounts are for then, the link I shared above.

do note it doesn't really change anything, you are collecting exactly the same amount of information like address/date of birth/national identity numbers etc (if that's what you consider to be "complicated"; it's legally required) it's just that you do it yourself through an onboarding process you build

it's a lot of work.

[stiff saffron]

Through the custom account, the merchant would not to register in the stripe official page. The shopping app collect the merchant information and invoke the stripe api to register, right?

[errant zephyr]

yes

[stiff saffron]

ok. thank you so much

France area does not support the custom account?

[errant zephyr]

it does

but you have to use AccountTokens to collect the information from the user client-side (our libraries like stripe.js and our iOS/Android libraries should support creating them) https://stripe.com/docs/connect/account-tokens

[stiff saffron]

every active custom account will cost extra fee monthly?

[errant zephyr]

yes

[stiff saffron]

How does the custom account to retrieve the payment after their client pay the checkout

[errant zephyr]

not sure I understand the question, can you clarify?

[stiff saffron]

hello.

I mean, in the custom account, when I invoke the create api, it doesn't need the bank account, so, I was wondering how the custom account get the payment from their customer

[stiff saffron]

hi

[stiff saffron]

I mean, in the custom account, when I invoke the create api, it doesn't need the bank account, so, I was wondering how the custom account get the payment from their customer

[errant zephyr]

you have to add a bank account to them

if you're using Custom we don't collect that in the onboarding

instead you need to do it, e.g you build a page that collects a bank account token (e.g. https://stripe.com/docs/js/tokens_sources?type=bank_account) and then submit it to the API (https://stripe.com/docs/api/external_account_bank_accounts/create)

[stiff saffron]

1. can we collect the bank account token by server side api?

2. after binding a bank account to the custom account, then when the merchant's customer pay the shopping order, would the money transfer to the merchants bank account automatically?

[stiff saffron]

hello?

[pseudo lynx]

hello, Karllekko is offline now.

1. can we collect the bank account token by server side api?
   Answer: yes you can, you can create bank account token using https://stripe.com/docs/api/tokens/create_bank_account API

2. after binding a bank account to the custom account, then when the merchant's customer pay the shopping order, would the money transfer to the merchants bank account automatically?
   Answer, the money will first appear as Stripe balance on the merchant stripe account, and it will be paid out to their bank account in T+x days depends on the region / country due to payout schedule you can take a look at here for how payout works https://stripe.com/docs/payouts