Darby - Connect Payments | Stripe Developers | Page 1

stone coral Mar 9, 2022, 10:21 PM

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Hello! Can you provide more details? What type of connected accounts are you using? When you say they "shouldn't be in your account" what do you mean exactly?

covert jay Mar 9, 2022, 10:21 PM

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Sorry without using stripe connect

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Hi! Yes. So ideally we would charge a user, on behalf of another user. This payment shouldn't sit in our account, but in a seperate account that we operate. Not technically a escrow, but that kinda of set up

stone coral Mar 9, 2022, 10:24 PM

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Oh, without Stripe Connect? No.

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You would need to use Stripe Connect for something like this.

covert jay Mar 9, 2022, 10:24 PM

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I see, that might work. Thanks Rubeus

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Question

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Can i do a payout from one stripe connected account to another?

stone coral Mar 9, 2022, 10:25 PM

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What do you mean? What exactly do you want to happen?

covert jay Mar 9, 2022, 10:26 PM

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ok so if i make a connect account, that would hold all these funds. When a user wants to cash out, i would tranfer from that connected account to the users connected account

stone coral Mar 9, 2022, 10:27 PM

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What do you mean by "from that connected account to the users connected account"? The connected account is the user's connected account, right?

covert jay Mar 9, 2022, 10:28 PM

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ok, so I need to hold funds outside of my stripe account. So i need to take payments and then tranfer them into that account. From that account, i need to payout to a user.

stone coral Mar 9, 2022, 10:29 PM

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It sounds like you're describing direct charges with Standard connected accounts. Is the funds flow on this page what you want? https://stripe.com/docs/connect/direct-charges#flow-of-funds-with-fees

covert jay Mar 9, 2022, 10:30 PM

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No not really. Is there a way my stripe account support two bank accounts?

stone coral Mar 9, 2022, 10:31 PM

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We support different bank accounts for different currencies.

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Can you describe your use case more? What are you trying to build, and why do you need the funds to flow the way you do?

covert jay Mar 9, 2022, 10:35 PM

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So right now our current platform does charges, and that money is ours. But we need a way for users to tranfer money to other users, but we dont want to deposit that money into their bank account right away like a connect account. We only want to payout when they withdraw funds from us. For legal reasons the users money cannot be held in the same bank account as ours

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We need to hold the users money in a "escrow" account until they leave our eco system

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It doesn't sound like there's an easy solution to this. That's ok, we can manually transfer at the end of the day. 🙂 Thanks Rubeus

stone coral Mar 9, 2022, 10:39 PM

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It sounds like this use case may not be supported on Stripe, actually. Stripe specifically does not allow escrow.

covert jay Mar 9, 2022, 10:40 PM

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yeah it doesn't need to be an escrow, it just needs to be a seperate bank account

stone coral Mar 9, 2022, 10:40 PM

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I recommend talking to support about your use case and what the best approach would be. They should be able to give you a better, more informed answer than I can: https://support.stripe.com/contact

#Darby - Connect Payments