Themax1-Connect | Stripe Developers | Page 1

vagrant venture Nov 2, 2021, 3:26 AM

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Hello, I guess the main point of your business is "pay then only transfer the money when the delivery is over", correct?

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Do you have both sellers and buyers? And you act as a Platform between them?

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I suggest to look at this page as a start: https://stripe.com/docs/connect/charges

Create a charge

Accept payments and specify how these funds should be split between your platform and your connected account by creating charges.

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Then you determine which one you need : (1) Direct charges or (2) Destination charges or (3) Separate charges and Transfer

stone prawn Nov 2, 2021, 3:57 AM

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vagrant venture Hello, I guess the main point of your business is "pay then only transfer the mo...

yes correct

stone prawn Nov 2, 2021, 3:58 AM

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vagrant venture Do you have both sellers and buyers? And you act as a Platform between them?

Yes, I have create a connect account to both delivery and the person that is going to pay

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My main account is going to collect fees from this

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that's I'm using a connected account

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The person that is going to pay is going to use credit card payment

stone prawn Nov 2, 2021, 3:59 AM

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vagrant venture I suggest to look at this page as a start: https://stripe.com/docs/connect/charg...

this can be used with credit card?

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my main question is like, the person is going to input her credit card information, I have to create a payment method or I can just pass the card direct to the charge api?

stone prawn Nov 2, 2021, 4:07 AM

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vagrant venture Do you have both sellers and buyers? And you act as a Platform between them?

the person that is going to pay for the service his going to be a connected account too right?

vagrant venture Nov 2, 2021, 4:08 AM

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Let's go for the abstract concept first

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The person going to pay, is Customer, and he/she will not be a Connected Account

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The delivery person, will be a Connected Account

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You are the Platform

stone prawn Nov 2, 2021, 4:08 AM

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the person that is going to pay has to have a stripe account or not?

vagrant venture Nov 2, 2021, 4:09 AM

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no

stone prawn Nov 2, 2021, 4:09 AM

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so I can pay no be authenticate to the platform correct?

vagrant venture Nov 2, 2021, 4:09 AM

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You as a customer, yes

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Let's use the term. The person going to pay = The Customer

stone prawn Nov 2, 2021, 4:10 AM

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the person that is going to create a connected account is the delivery that is going to recieve right?

vagrant venture Nov 2, 2021, 4:10 AM

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correct

stone prawn Nov 2, 2021, 4:10 AM

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I starting to get it

vagrant venture Nov 2, 2021, 4:11 AM

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Let's say you run a business like Uber Eats

stone prawn Nov 2, 2021, 4:11 AM

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I'm confusing like been as a customer I have to get authenticate, but not necessary

vagrant venture Nov 2, 2021, 4:11 AM

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You are the Platform aka the Uber company. Deliver man is Connected Account, Customer is who to pay

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There could be thousand of Connected Accounts

stone prawn Nov 2, 2021, 4:11 AM

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because I dont need to have a account on stripe, I just put credit card information and pay platform fees/connected account(deliver)

vagrant venture Nov 2, 2021, 4:12 AM

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The Customer will need to be authenticated with the Platform, but not Stripe

stone prawn Nov 2, 2021, 4:12 AM

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vagrant venture The Customer will need to be authenticated with the Platform, but not Stripe

Yep

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got it

vagrant venture Nov 2, 2021, 4:12 AM

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Like Customer need to have an Uber account, but that's Uber account

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not Stripe Account

stone prawn Nov 2, 2021, 4:12 AM

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ohh got it

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In my application the same people can be both or only one of them

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so if I going to be both, I can create a stripe connected account, but if I only a customer, I don't need to create

vagrant venture Nov 2, 2021, 4:14 AM

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yes

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If the person willing to receive something, they need to be a Connected Account

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if they are only paying, they are as good as staying as Customer

stone prawn Nov 2, 2021, 4:15 AM

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When I make a payment, they going to recieve in their bank directly? because i saw you need to make a configuration with informing a bank account

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when creating a connected account

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this part I almost have all done, you can generate a link and do everything on stripe enverioment

vagrant venture Nov 2, 2021, 4:16 AM

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It has a little bit more layers. Each Connected Account (or any Stripe Account) will have a Balance. After a while, Stripe will take fund from Balance, do a Payout, then it will go to Connected Account Bank

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That's Payout process

stone prawn Nov 2, 2021, 4:16 AM

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but this is done automatic or not?

vagrant venture Nov 2, 2021, 4:17 AM

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Good question, there are 2 types of Payout: Automatic Payout and Manual Payout

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😄

magic dune Nov 2, 2021, 4:17 AM

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hi @vagrant venture can you check my issue?

vagrant venture Nov 2, 2021, 4:17 AM

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Hello @magic dune let's continue on our thread

stone prawn Nov 2, 2021, 4:18 AM

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But me as a connected account, can I check my details? or my connected page account details?

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or only as a plataform have this data

vagrant venture Nov 2, 2021, 4:18 AM

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Also a good question, there are 3 types of Connected Account, and they have different level of details on their Dashboard. Yes you will have a lighter version of Dashboard

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Read about Express vs Standard vs Custom

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I believe Express is the easier and recommended to begin with

stone prawn Nov 2, 2021, 4:19 AM

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I was going to use express

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I'm trying to create a charge and a transfer to one of my connected accounts

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but is giving me this error:
{
"error": {
"code": "parameter_missing",
"doc_url": "https://stripe.com/docs/error-codes/parameter-missing",
"message": "Must provide source or customer.",
"type": "invalid_request_error"
}
}

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I'm passing like this transfer_data[destination] = ID

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as a application/x-www-form-urlencoded

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on Insomnia

vagrant venture Nov 2, 2021, 4:21 AM

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Let's start by checking your Dashboard log

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You are using Test Mode?

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https://dashboard.stripe.com/test/logs

stone prawn Nov 2, 2021, 4:22 AM

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yes

vagrant venture Nov 2, 2021, 4:22 AM

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come find your request that failed, check its parameter on request and response

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You can paste your request Id here and we can have a look

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(Normally you would know yourself by just looking at your request and response)

stone prawn Nov 2, 2021, 4:23 AM

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req_4mGUymBeTEMAmf

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looking here is actually the same

vagrant venture Nov 2, 2021, 4:24 AM

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I see, this is different issue than the Connect concept itself 😄

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Firstly you are using Charge API which is an old one. Would you be able to switch to PaymentIntent?

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PaymentIntent is newer

stone prawn Nov 2, 2021, 4:25 AM

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i just copy from the docs from charge that you sent me

stone prawn Nov 2, 2021, 4:26 AM

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vagrant venture Firstly you are using Charge API which is an old one. Would you be able to switc...

paymentIntent is possible to do from my app?

vagrant venture Nov 2, 2021, 4:26 AM

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Oh sorry, which link was it?

stone prawn Nov 2, 2021, 4:26 AM

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vagrant venture I suggest to look at this page as a start: https://stripe.com/docs/connect/charg...

this one

vagrant venture Nov 2, 2021, 4:26 AM

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Yes PaymentIntent should be the way to go

stone prawn Nov 2, 2021, 4:26 AM

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I clicked on the second method

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https://stripe.com/docs/connect/destination-charges

Creating destination charges on your platform

With Connect, you can create charges on your platform account, take fees, and then transfer remaining funds to your connected accounts.

vagrant venture Nov 2, 2021, 4:27 AM

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Yeah, and I am seeing it uses PaymentIntent 🤔

stone prawn Nov 2, 2021, 4:28 AM

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I use payment intent and it was created

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now is like requires confirmation

magic dune Nov 2, 2021, 4:28 AM

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hi @vagrant venture I have uploaded my code.

stone prawn Nov 2, 2021, 4:28 AM

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But if a confirm it's going to transfer directly do the connected account right?

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Or I have to go for capture mode?

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when I confirm he already pay

vagrant venture Nov 2, 2021, 4:33 AM

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Yes use Capture later mode

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hmm but what do you mean by confirm he already pay?

stone prawn Nov 2, 2021, 4:34 AM

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vagrant venture hmm but what do you mean by confirm he already pay?

if I confirm a PaymentIntent he pay the connected account

vagrant venture Nov 2, 2021, 4:34 AM

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Ah yes, more correctly, then fund will transfer to Connected Account's balance

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https://b.stripecdn.com/docs-srv/assets/application_fee_amount.837aa2339469b3c1a4319672971c1367.svg

stone prawn Nov 2, 2021, 4:35 AM

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so PaymentIntent -> capture -> confirm ?

vagrant venture Nov 2, 2021, 4:35 AM

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Also from same doc

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Payment -> Confirm -> Capture

stone prawn Nov 2, 2021, 4:37 AM

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why do I need capture in the end?

vagrant venture Nov 2, 2021, 4:39 AM

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That's how the flow works. When you don't want to separate, you have Payment -> Confirm + Capture. When you want to separate, you have Payment -> Confirm -> Capture

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https://stripe.com/docs/payments/capture-later

Place a hold on a card

Separate authorization and capture to create a charge now, but capture funds later.

stone prawn Nov 2, 2021, 4:39 AM

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I was thinking it was to suppose to be this way, he create a paymentIntent, the credit card gets charged and hold, then when finish delivery, he confirm right?

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paymentIntent create a charge on my credit card automatic?

vagrant venture Nov 2, 2021, 4:40 AM

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Mostly. When an order is made, you create a PaymentIntent and confirm it (to make sure it's a chargeable Card), then when finish delivery, you capture it

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Place a hold on a card to reserve funds now, but capture them only after you complete a service. For example, a hotel may authorize a payment in full prior to a guest’s arrival, then move the money when the guest checks out.

stone prawn Nov 2, 2021, 4:42 AM

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but I confirm? if I confirm the transfer is already going to be made to the connected account is not?

vagrant venture Nov 2, 2021, 4:42 AM

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No, the whole payment will be hold until Capture moment

stone prawn Nov 2, 2021, 4:43 AM

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are you sure?

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but I pass the connected account on my paymentIntent or only pass on the capture?

vagrant venture Nov 2, 2021, 4:44 AM

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on your PaymentIntent creation

stone prawn Nov 2, 2021, 4:46 AM

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but I need to pass on my capture too or not?

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I guess it doesn't need too

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I didn't pass and work like a charm

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omg, ty soo much

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just one more small thing

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I saw that I can create a payment method, can I create a payment method to the customer one time and then when he is going to pay another deliver he put his credit card again and create another payment method?

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he does not associated a payment method to a customer if a doesn't want right?

vagrant venture Nov 2, 2021, 4:53 AM

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yes

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it's totally up to you, as a Platform to attach the Payment Method to a Customer

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we have the Attach and Detach API

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If you don't do anything, it won't attach

stone prawn Nov 2, 2021, 4:54 AM

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but my question is, if the customer doesn't have a stripe account, how can I attach to him?

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I can not right?

vagrant venture Nov 2, 2021, 4:54 AM

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You attach the PaymentMethod to a Customer object

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you will need a Customer object to represent him

stone prawn Nov 2, 2021, 4:54 AM

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but where do I save this customer object? on my database?

vagrant venture Nov 2, 2021, 4:54 AM

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on Stripe

stone prawn Nov 2, 2021, 4:55 AM

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but on platform stripe?

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or he is own stripe account?

vagrant venture Nov 2, 2021, 4:55 AM

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no, he is just a Customer object live in your Platform Stripe account

stone prawn Nov 2, 2021, 4:56 AM

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But how later on I retrieve this customer?

vagrant venture Nov 2, 2021, 4:59 AM

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You create it by using Create Customer API

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before creating PaymentIntent

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then pass the Customer Id to the call to create PaymentIntent

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I mean, there are 2 cases
(1) You don't care about the payer, just let them pay one time and go. That you don't need to create a Customer object and specify in PaymentIntent creation
(2) You care about the payer, like saving their PaymentMethod to reuse later. That you need to create a Customer object and specify in PaymentIntent creation

stone prawn Nov 2, 2021, 5:01 AM

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I have to save the customer ID on my back-end?

vagrant venture Nov 2, 2021, 5:02 AM

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It's available on Stripe, so I don't think you would need to save on your backend, unless you want to have less requests to Stripe

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For example, you have this API to list all Customers: https://stripe.com/docs/api/customers/list

Stripe API reference – List all customers

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

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on your Stripe account

stone prawn Nov 2, 2021, 5:09 AM

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But I need to save the customerID on my back-end to cross and get the right one?

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I can search by email I think

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That's interesting

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Dude, going to bed now, ty so much for the help, now I know what I have to do

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In case I have any questions, I ask directly here or in the chat

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Ty

#Themax1-Connect