rzhang139-marketplace | Stripe Developers | Page 1

finite peak Apr 1, 2022, 5:18 AM

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Hi, Am I missing something but why a seller would need to agree to a buyer offer? I think in a marketplace there are sellers with their offers, and buyers just come and choose from them

upper venture Apr 1, 2022, 5:22 AM

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oh we are including a listing type where buyers can offer a specific price, and sellers can choose the most desireable price. Does that make sense?

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yes we do have listing type where seller sets the price, but we also have the other type, which I am questionable if stripe can do that

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

Creating direct charges

With Connect, you can make charges directly on the connected account and take fees in the process.

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can we do a direct charge?

finite peak Apr 1, 2022, 5:25 AM

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It's a bit off from what Stripe offer. In your design seller would be one Connected Account which has the Stripe account, but buyer is a Customer (no-Stripe account) Seems that on your case, you may need buyer also has an Account

upper venture Apr 1, 2022, 5:25 AM

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oh yes we are planning both sides of marketplace must have a stripe account

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It is a B2B platform so we must do KYC ensuring they are verified businesses

finite peak Apr 1, 2022, 5:30 AM

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I see

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Um but any kind of Charges needs the concept of Customer

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so for your buyers, you may need both a Stripe Account and a Customer to represent them

upper venture Apr 1, 2022, 5:32 AM

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oh so for example: stripe.paymentIntents.create when passing in the stripeAccount header is that the sellers account charging someone? Where do we specify which customer we are going to charge?

finite peak Apr 1, 2022, 5:36 AM

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It's the seller account yes. You can also specify the customer parameter in the same API. The reason it's optional is that if you omit it, you will create PI against a "guest customer", which is still a customer by concept

upper venture Apr 1, 2022, 5:40 AM

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ohhhh i see, i never understood there were two different kinds, I thought there were only connect accounts for both sides. If we register a buyer as a customer, do they need to go through the same registration as a seller with connect accounts? Because we want every user on our platform to be authenticated through KYC as a legitimate business

finite peak Apr 1, 2022, 5:43 AM

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Customer does not need to go through the same registration process as a seller. But you know for each Connected Account Stripe charges you some fee for that registration/maitainance, right? Having buyers only as Customers is more expected

upper venture Apr 1, 2022, 5:45 AM

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I see, can stripe still handle KYC for customers?

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bc when a customer actually pays with their credit card or smth, they are able to do KYC tracking authenticating the user?

finite peak Apr 1, 2022, 5:47 AM

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I believe that's the use of Stripe Issuing https://stripe.com/identity

Stripe Identity: Verify identities with confidence

Stripe Identity lets you programmatically confirm the identity of global users so you can prevent attacks from fraudsters while minimizing friction for legitimate customers.

upper venture Apr 1, 2022, 5:48 AM

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is there a solution for identifying businesses?

finite peak Apr 1, 2022, 5:53 AM

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That's a question our friends at Support would be able to answer better than me 🙂

upper venture Apr 1, 2022, 5:53 AM

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im already on it, thanks!

#rzhang139-marketplace