GomuGomu88-connect | Stripe Developers | Page 1

timber sentinel Mar 17, 2022, 11:09 AM

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Hey, can you explain it a little more detail please?

connecting accounts directly receiving a payment and then getting fees and sending them to selected connecting accounts
Doesn't really make sense

thick tendon Mar 17, 2022, 11:10 AM

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im really sorry, let me try to explain a little bit

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we are receiving payments through stripe, we have stripe connect integrated in our platform

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we want those payments to going directly to our connecting accounts which are our "shops"

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and then take a profit fee for our company, also collecting taxes from some shops

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let me know if having any doubts

timber sentinel Mar 17, 2022, 11:21 AM

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Sure, that can work with Connect. Are you processing payments at all yet? What type of connected accounts are you using?

thick tendon Mar 17, 2022, 11:23 AM

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we are using express accounts, we are still in development but we have already done the gateway with stripe for charging payments from google pay/apple pay or debit card

timber sentinel Mar 17, 2022, 11:24 AM

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So you'll likely be looking at destination charges: https://stripe.com/docs/connect/destination-charges

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Which will direct the payment to your connected accounts, but only after you've taken an application fee

thick tendon Mar 17, 2022, 11:25 AM

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ohhh so you mean they wont have access on what fee amount we have substracted from payment right?

timber sentinel Mar 17, 2022, 11:33 AM

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What do you mean by 'access'?

thick tendon Mar 17, 2022, 11:38 AM

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i mean to check what process fee they got charged

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as we are gonna charge some fees

timber sentinel Mar 17, 2022, 11:39 AM

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Let me just check

thick tendon Mar 17, 2022, 11:39 AM

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also can we adding multiple fees in a same connecting account?

thick tendon Mar 17, 2022, 11:39 AM

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timber sentinel Let me just check

sure

timber sentinel Mar 17, 2022, 11:41 AM

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thick tendon also can we adding multiple fees in a same connecting account?

Normally just a single fee per transaction

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The application fee is visible to the connected account with destination charges, yes

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If that's an issue then you'd want to look at separate charges & transfers: https://stripe.com/docs/connect/charges-transfers

thick tendon Mar 17, 2022, 11:47 AM

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in separate charges stripe is charging to customer and then we (As platform) are hading out the money?

timber sentinel Mar 17, 2022, 11:53 AM

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Yes, the platform account would process the payment and then you'd create a transfer to the connected account for the desired amount (after deducting your platform fees)

thick tendon Mar 17, 2022, 11:55 AM

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oh ok, so the debit is charged in debit card/google pay in the customer and then we handle this money right? We dont need to advance the money right?

timber sentinel Mar 17, 2022, 11:57 AM

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Exactly

thick tendon Mar 17, 2022, 12:19 PM

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great, thanks!

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i have another question

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for collecting taxes, could we do with separate charges and transfers or should we using the module of taxes? and whats the difference?

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cus there will be some stores to be taxed and some others who wont be necessary as explained before

timber sentinel Mar 17, 2022, 12:23 PM

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What kind of taxes?

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And how are you calculating them?

thick tendon Mar 17, 2022, 12:24 PM

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15% taxes or 0% taxes the two amounts

timber sentinel Mar 17, 2022, 12:24 PM

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Are you using Stripe Tax?

thick tendon Mar 17, 2022, 12:25 PM

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amounts are fixed

thick tendon Mar 17, 2022, 12:25 PM

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timber sentinel Are you using Stripe Tax?

no no im still not using anything, but we want some kind of dashboard to set whos gonna be taxed or not

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we planned to set question in an input in registration form in our mobile app, so if user is selecting an option then it will be tax with 15% or 0% depend on option selected

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so im asking you for the best option that we could be taking

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what do you think, stripe taxes or through separate charges and transfers

timber sentinel Mar 17, 2022, 12:28 PM

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Well Stripe Tax only works with Checkout right now, so unless you're using that it's not an option

thick tendon Mar 17, 2022, 12:30 PM

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mmm i dont know what is a checkout

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we are charging through google pay/apple pay and manually inserted debit card

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but dont know if we are using checkout

timber sentinel Mar 17, 2022, 12:32 PM

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thick tendon mmm i dont know what is a checkout

https://stripe.com/docs/payments/checkout

Stripe Checkout

The quickest way to build conversion-optimized payment forms, hosted on Stripe.

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To be clear, the taxation element of this is completely separate to which type of Connect charges you use

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It's up to you how you charge and reconcile for tax

thick tendon Mar 17, 2022, 3:10 PM

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I think definately we are using a checkout, can you check it?:

https://app.tipeame.com/?id=U2FsdGVkX18zZFA6/GeMPrbUjfea2513TPmWdmkFmh9W3mGxcqzTJ1ArC3SLlODZ

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with stripe taxes can i decide who is gonna be taxing and charge differents taxes depending on stripe connect account?

inner lagoon Mar 17, 2022, 3:12 PM

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Hey there 👋
ynnoj had to step away but give me a moment to catch up here

thick tendon Mar 17, 2022, 3:12 PM

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i dont know what could be the difference between taxing with separates charges and transfers or do it with stripe tax

thick tendon Mar 17, 2022, 3:13 PM

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inner lagoon Hey there 👋 ynnoj had to step away but give me a moment to catch up here

sure, thanks hanzo 🙂

inner lagoon Mar 17, 2022, 3:20 PM

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Ah I believe you're using cardElement and not Stripe Checkout

thick tendon Mar 17, 2022, 3:32 PM

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oh, so stripe tax cannot be using with cardElement?

inner lagoon Mar 17, 2022, 3:33 PM

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Currently, no. It only works with Checkout.

thick tendon Mar 17, 2022, 3:36 PM

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ok

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so i can do it anyways with separate charges and transfers

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but how can i be calculating stripe fee?

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as i see stripe fee can changing depend on type of card

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if card is from outside of europe stripe is charging 2.8% and UK i think it was 2.4%, for european 1.4%

strange axle Mar 17, 2022, 3:47 PM

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hey there @thick tendon -- yes the fees will be different for each country and payment method type

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You'd have to account for that if trying to calculate ahead of time -- you can only inspect the actual fees afterward

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What are you trying to do with this?

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here's how you can inspect the fees for a payment with expansion after its completed: https://stripe.com/docs/expand/use-cases#stripe-fee-for-payment

thick tendon Mar 17, 2022, 5:08 PM

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well to tax the shops i need to calculate the total amount without stripe fee

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cus i cant use stripe taxes module so i need to calculate taxes

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thats why i need to know the fee

digital rock Mar 17, 2022, 5:12 PM

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Hey @thick tendon, I'm stepping in here. Give me a moment to catch up.

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So your issue is that you want to know the card type before the charge, is that correct?

thick tendon Mar 17, 2022, 6:01 PM

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yes

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for calculating stripe fee

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also, is it possible to use cardElements with separate charges and transfers

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right?

frozen fiber Mar 17, 2022, 6:08 PM

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You can examine the card type with the change event after the user enters the card number.

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And since separate change & transfers are just payment intents on the platform and transfers to connected accounts there is no reason you cannot use Card or Payment Elements

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I am not familiar enough with the Magento module to understand what other actions in your integration would trigger this update request but it was a request from the Magento plugin.

fleet coralBOT Mar 17, 2022, 6:50 PM

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This thread has been archived. If you need help with anything else please ask in #dev-help or contact Stripe Support: https://support.stripe.com/contact

little loom Mar 17, 2022, 11:54 PM

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Hello! You had another question?

opal fossil Mar 18, 2022, 12:58 AM

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Going to archive for now, please follow up in the main channel if you have more questions instead!

proud compass Mar 18, 2022, 8:37 AM

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@thick tendon here

thick tendon Mar 18, 2022, 8:45 AM

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thanks so much

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I have another question related with separate charges and transfers my developer told me that when we need multiple transfers to be done then we (As platform) we need to advance the money from our own balances, so basically he said we need to have funds in our platform to make those multiple transfers, thats why we talked to stripe and they talked us about beta, for topups

proud compass Mar 18, 2022, 8:56 AM

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Yes, that sounds correct. And what's your question?

thick tendon Mar 18, 2022, 8:57 AM

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we want to make it through the debit charged to customer

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not through our balances

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can you confirm that we can do with separates charges and transfers

proud compass Mar 18, 2022, 8:59 AM

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You can do Separate charges and transfers, with source_transaction on the Transfer

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https://stripe.com/docs/connect/charges-transfers#transfer-availability

Creating separate charges and transfers

With Connect, you can make charges on your platform account on behalf of connected accounts, perform transfers separately, and retain funds in the process.

thick tendon Mar 18, 2022, 8:59 AM

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as i said, we are charging to customer through cardEelements and then we are taking 2 fees and sending to selected connecting accounts, also taking taxes from that amount

thick tendon Mar 18, 2022, 9:01 AM

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proud compass https://stripe.com/docs/connect/charges-transfers#transfer-availability

so, we dont need balances to make the transfers cus the money is taking from customer´s charge?

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sorry if i seem repetitive, but my developer told me that the only way is through our balances

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and we cant do that way

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we need to make it through customer charges

proud compass Mar 18, 2022, 9:03 AM

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Yes this way it would take the fund from the source_transaction. It is explained on that Doc.

By using source_transaction, the transfer request succeeds regardless of your available balance and the transfer itself only occurs once the charge’s funds become available.

thick tendon Mar 18, 2022, 9:05 AM

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ok and how long takes charge´s funds to be available?

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i mean when a customer through cardElements is charged (We are using debit card/google pay or apple pay) the money is instantly in our account?

proud compass Mar 18, 2022, 9:07 AM

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Yes, as long as the Charge status changed to succeeded

thick tendon Mar 18, 2022, 9:09 AM

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ok thats great!

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