#Alan - settlements, branding, OBO
novel plover
Hi. So my platform facilitates payments from a connected account to the customer. When I send the invoice, I want to have my the connected account's branding on it, but maintain my status as the settlement merchant.
In order to use their branding I need to use the on_behalf_of attribute. However, when I use that it makes the connected account the settlement merchant.
wooden cape
That is the expected behavior there. I am unsure if you can define the branding separately but will check
novel plover
Is there a roundabout way to take care of disputes, refunds, etc. for the connected account if I'm not the settlement merchant?
wooden cape
Good question. I am still looking in to this and will get back with what I can find.
And to clarify, you are working with either Express or Custom accounts and are working with Destination charges correct? https://stripe.com/docs/connect/destination-charges#settlement-merchant
wooden cape
It looks like OBO has the behavior you are describing by default. Your platform will still be responsible for disputes and refunds
And it is just the normal processes for each. You do have extra controls for things like taking money back from the connected account when appropriate, but your platform will still be the one taking care of disputes and refunds etc.
Was that mostly the question you had? Making sure to have the connected account's branding but still be responsible for the rest?
Do you have other questions or issues with Disputes/Refunds in Stripe Connnect?
novel plover
Yes that's the question I had. On the Stripe doc it states:
By default, creating a charge with transfer_data[destination] makes the platform the settlement merchant. You can change this behavior and make the connected account the settlement merchant by using the on_behalf_of attribute on the charge.
Based on your response, would this mean that the connected account and my platform can both be responsible for disputes, etc?
steady mantle
Hi there! Stepping in for my colleague.
The account where the charge takes place is responsible for handling the dispute. So if you are using destination charges then disputes will occur on your platform and your platform will be responsible.
OBO does not change this
novel plover
Hello there.
Oh wow thank you very much.
That's perfect then.
So even though the doc states that it would change, it doesn't?
steady mantle
It changes the settlement merchant for the charge (who we send to the card networks as the settlement merchant), but not who handles the dispute within Stripe.
novel plover
Ah okay I see. I guess I had the terms mixed up.
Got it. Thank you very much for clearing things up.
steady mantle
Np!
novel plover
Sorry. Just to be 100% clear on this.. if I use destination charge and provide the connected account's id and use OBO, I'll still be the one responsible for disputes?