#Jalotis - Stripe Connect Express
fiery maple
Well ideally the merchants on the marketplace register on our web panel -> choose a plan -> go through the express onboarding and then they're done
the question is can i charge them through their express account for the subscription fee? is that recommended? what happens if there is no money on the account? I saw that I can add requirements such as providing payment methods in the onboarding flow, but I'm also worried because the documentation lists several warnings as to some use cases being illegal in the EU due to the SCA, so I'm trying to figure out what's the best way to do it
meager remnant
Interesting. I'm looking into this
Okay so you wouldn't want to debit the account since there might not be any funds available to debit. In this case it sounds like you should treat these accounts as customers for the purpose of collecting the fee. You can use metadata to associate the customer with the connected account when creating them.
fiery maple
Ok I've looked into it again and I think the best way to do it is:
- Require the account capability "card_payments" and "transfers"
- Direct charges comply with SCA, and since card_payments are required the 3DSecure feature works
- Create a subscription with Direct charges to the account as descibed here https://stripe.com/docs/connect/subscriptions#direct
What do you think?
meager remnant
Okay wait...I thought you were just charging the connected account. Are there end users involved as well?
fiery maple
I mean there are eventually, but in this example theres just a merchant signing up to the platform via the web panel.
meager remnant
The process flow you linked is for creating subscriptions for end users through connected accounts.
So no that won't work
fiery maple
Oh
meager remnant
So in that case I recommend creating customers corresponding to your connected accounts with the assigned payment methods and subscriptions for them.
fiery maple
So essentially in the onboarding process when they choose the plan to utilize Stripe Billing
Do you have a link to the docs that talks about creating a customer thats also a connected account?
meager remnant
No we don't. In that case it is outside the onboarding process and a separate flow.
The relationship of the Express account as a connected account and a customer are two separate relationships. So you would have to handle those processes separately.
fiery maple
Ok, I'll try that thanks a lot!