#emohan-retail-restaurant
prisma lintel
Take your time! Thanks so much!
placid magnet
1/ No, what would describe here is not supported. A payment "submitted via stripe" would be processed by Stripe, so I'm unclear where you would want to modify the flow.
2/ Stripe offers Terminal for in-person payments with physical cards. You build this in to your integration so theoretically it could connect to any POS software given that software builds support. There are also vendors who sell POS software using Stripe Terminal, if you don't want to or cannot build it yourself.
3/ YOu'll have to be more specific here -- lots of information about your payments is available via the API: https://stripe.com/docs/api
and there is also the reporting features: https://stripe.com/docs/reports
4/ The POS software is up to you (or your vendor) so this is entirely up to you!
prisma lintel
Thanks, this is extremely helpful.
The motivation for modifying the flow would be removing the need for financial reconciliation on the part of the brand. Based on what you are saying it seems that if my mobile app has the stripe SDK in it and takes payment, then the merchant would have to sign up for a Stripe account(a separate processor and gateway from the merchants existing architecture).
Say, for example, that a merchant uses world pay. If they wanted to use my solution(with the stripe SDK) to accept payments off-prem, it seems that they would have to sign up for a account with stripe.
placid magnet
yes, and you'd likely use Connect to manage that account relationship
prisma lintel
Got it!
For the second one. What about online payments? Would I be able to integrate my mobile app(using stripe) into those point of sale systems? Theoretically, if I build them.
On question three, what you sent over was exactly what I needed, thanks. Four makes sense, too! Just had to do a sanity check!
placid magnet
great, glad that part helped 😄
you can build whatever integration you like using the mobile SDKs -- ie you could have a POS that uses an app for payments or send a link to uses to pay, sure. all these things are up to you.
placid magnet
Archiving this thread 🗄️ -- if you have further questions, please feel free to ask in the main channel!
gilded turtle
@prisma lintel Opened the thread!
prisma lintel
@placid magnet Just following up, thank you for your time. We are looking for a way to avoid having to be integrated with each and every one of our client’s gateways in order to facilitate off-premise payment processing. Our idea was to have stripe’s checkout module integrated with our in-house payment screen UI. Stripe would collect customer payment information but not process it — instead, it would send that information back to the POS. The POS would then process payment with the client’s gateway just like any other in-person transaction. That way there’s no need for us to integrate with that particular gateway/processor — they can just use their existing one.
It sounds like the “stripe sends POS customer information” step I described is not supported. Could you explain why?
You mentioned Stripe Connect could be a way around us integrating with a million different processors. How?
Thanks @gilded turtle !
gilded turtle
Sorry for the wait - a bit busy in here today. Give me a few more minutes and I'll take a look!
prisma lintel
@gilded turtle sounds good! Take your time!
gilded turtle
@velvet obsidian Can you jump in here? Juggling one too many things
velvet obsidian
Yep! Let me get caught up...
Stripe would collect customer payment information but not process it — instead, it would send that information back to the POS. The POS would then process payment with the client’s gateway just like any other in-person transaction.
This is not possible. Stripe is a payment processor, and we support many different payment methods (cards, bank accounts, digital wallets, etc.), but we don't support collecting payment details and then processing them with another processor.
You mentioned Stripe Connect could be a way around us integrating with a million different processors. How?
I think there may be a misunderstanding here. Integrating with Stripe means you get support for all of the payment methods listed here: https://stripe.com/docs/payments/payment-methods/overview
But, again, Stripe is the processor. You can't collect this information and process it somewhere else, the processing would take place on Stripe, require a Stripe account, etc.
prisma lintel
got it. Stripe is the processor. With connect, though, would it be possible to set up our merchant's bank details there and have payment directed to their bank accounts?
velvet obsidian
Yeah. With Connect you have your platform account and other Stripe accounts are connected to yours. There are various possible funds flows, but the connected accounts each have their own bank account funds get paid out to.
prisma lintel
Thank you. Couple more questions there. How would a merchant that we have set up in our stripe account process refunds? is there any way to automate this from the customer side?
and lastly, would merchants be required to log in to a stripe dashboard or does stripe have APIs that we could talk to to build internal dahsboards?
velvet obsidian
How would a merchant that we have set up in our stripe account process refunds?
As mentioned above there are several ways to use Connect. If you want your connected account holders to manage refunds you would use Standard Connect accounts which gives those accounts the full Stripe dashboard and the ability to process refunds. See here for details: https://stripe.com/docs/connect/accounts
is there any way to automate this from the customer side?
You could build an integration that enables this kind of functionality, yes.
and lastly, would merchants be required to log in to a stripe dashboard or does stripe have APIs that we could talk to to build internal dahsboards?
For Standard accounts they would have access to the full Stripe dashboard. For Express accounts there's a minimal Stripe Dashboard that's mostly a place for them to put their bank account info. For Custom accounts you would build the entire experience on your end.
prisma lintel
Thank you.
velvet obsidian
Happy to help! If you have any other questions just let us know!
prisma lintel
will do!!
Well, I have one. Do you know of any businesses off the top of your head that used stripe for their pay at table or payment link solution?
velvet obsidian
I can't speak about any specific companies, but we do have Terminal for in-person payments: https://stripe.com/terminal