frabor98-connect | Stripe Developers | Page 1

thin vault Apr 6, 2022, 8:35 AM

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hi! you'd just have to create a Connect account in test mode, there's no test/magic string value to use.

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if you're using https://stripe.com/docs/connect/collect-then-transfer-guide it guides you through the whole process including creating the account

high kayak Apr 6, 2022, 8:36 AM

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Ok, thanks!

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In production can I send a transfer also to "not connected" accounts?

thin vault Apr 6, 2022, 8:37 AM

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absolutely not no

high kayak Apr 6, 2022, 9:12 AM

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Is there a way to send money also to not connected account?

thin vault Apr 6, 2022, 9:13 AM

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no

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anyone you want to send money to has to have a Stripe account and that account has to be connected to your platform account

high kayak Apr 6, 2022, 9:14 AM

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Ok thanks. Of course everyone will have a stripe account

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How can I connect that account to my account?

thin vault Apr 6, 2022, 9:14 AM

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depends on the type of account being used(Standard/Express/Custom). Have you read the Connect docs yet?

high kayak Apr 6, 2022, 9:16 AM

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Yes, everyone has created its own account through your website: https://dashboard.stripe.com/register

thin vault Apr 6, 2022, 9:16 AM

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https://stripe.com/docs/connect/ is the landing page so I would start there and see which flow most closely matches your business

high kayak Apr 6, 2022, 9:16 AM

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I have to associate those accounts to my account

thin vault Apr 6, 2022, 9:16 AM

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then that's Standard accounts so you might want https://stripe.com/docs/connect/oauth-standard-accounts

high kayak Apr 6, 2022, 9:21 AM

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Ok, the doc says how to do it inside a website but I'm working on a mobile application

thin vault Apr 6, 2022, 9:22 AM

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It's possible to do this in general on mobile. Which specific part are you worried about? Which specific doc or code sample are you looking at?

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some parts of it are server side and have to happen on a backend server, whereas things like collecting payment information can happen in an app, really depends

high kayak Apr 6, 2022, 9:24 AM

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Here: "After the user connects their existing or newly created account to your platform, they are redirected back to your site, to the URL established as your platform’s redirect_uri"

thin vault Apr 6, 2022, 9:24 AM

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yep, that is server side

high kayak Apr 6, 2022, 9:24 AM

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Ok, it's a callback?

thin vault Apr 6, 2022, 9:24 AM

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the OAuth flow happens in the web browser and they are redirected to your server, which completes the connection on the backend

high kayak Apr 6, 2022, 9:25 AM

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Ok, it's clear

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Thanks

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Then to make a transfer I have to use: "stripe_user_id"?

thin vault Apr 6, 2022, 9:26 AM

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that's the account ID yes so is what you might use

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but note that you usually don't send transfers to Standard accounts. Like I linked originally, https://stripe.com/docs/connect/collect-then-transfer-guide is generally the guide for flows that involve sending transfers, so I'd suggest taking time to read the docs and see which model matches what your business is trying to do

high kayak Apr 6, 2022, 9:29 AM

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The business is very simple, I have to send money from my account to other accounts

thin vault Apr 6, 2022, 9:30 AM

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yeah but where does that money come from

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how do you want refunds to end-customers to work, who handles those

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etc

high kayak Apr 6, 2022, 9:30 AM

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The money come from a food delivery application

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And I have to send money to the riders

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Thoose have a stripe account

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So I think that "standard" account fits my needs

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Every rider will have a standard account linked to mine

thin vault Apr 6, 2022, 9:31 AM

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I would have said Express personally

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so you are a platform and you process a payment with an end-customer paying for food

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you transfer some of the money to a driver and keep the rest

high kayak Apr 6, 2022, 9:32 AM

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Yes

thin vault Apr 6, 2022, 9:32 AM

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you handle refunds if the end-customer wants one etc, the customer deals with you

high kayak Apr 6, 2022, 9:32 AM

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Yes

thin vault Apr 6, 2022, 9:33 AM

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the driver doesn't need or want a full Stripe account since they are not merchants and don't interact with customers

high kayak Apr 6, 2022, 9:33 AM

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The rider just has to receive its commision

thin vault Apr 6, 2022, 9:33 AM

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they just get money and pay it out

high kayak Apr 6, 2022, 9:33 AM

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Yes

thin vault Apr 6, 2022, 9:33 AM

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cool then like I said Express

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https://stripe.com/docs/connect/collect-then-transfer-guide like my first link

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not Standard, and not OAuth

high kayak Apr 6, 2022, 9:36 AM

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Does express account has dashboard like standard?

thin vault Apr 6, 2022, 9:37 AM

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they have a more simplified dashboard https://stripe.com/docs/connect/express-dashboard

high kayak Apr 6, 2022, 9:37 AM

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Because the rider must create his account from here: https://dashboard.stripe.com/register (my client wants it)

Sign Up and Create a Stripe Account | Stripe®

Sign up to quickly create a new Stripe account today and get started accepting payments in minutes.

thin vault Apr 6, 2022, 9:38 AM

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that's not how it works, they sign up with you

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via your site

high kayak Apr 6, 2022, 9:42 AM

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So I have to create a link in my website that redirects the user to the login link?

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I don't think my client will choose this option...is it a problem if we use standard accounts?

thin vault Apr 6, 2022, 9:42 AM

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high kayak So I have to create a link in my website that redirects the user to the login li...

yep!

thin vault Apr 6, 2022, 9:43 AM

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high kayak I don't think my client will choose this option...is it a problem if we use stan...

I'd suggest helping the client understand why doing it this way is better

thin vault Apr 6, 2022, 9:43 AM

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high kayak I don't think my client will choose this option...is it a problem if we use stan...

Standard accounts are optimised for merchants, people selling things

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there's a whole bunch of things in the UI and information asked for in the onboarding that makes no sense to someone who just wants to get their money and get paid out quickly

high kayak Apr 6, 2022, 9:44 AM

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Yes you're right. I will try to talk with my client

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Last question, how can I transfer money from my account to express account?

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Because once day every month I have to send money to the rider (I don't send the money on every transaction)

thin vault Apr 6, 2022, 9:47 AM

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it's a lot easier if you do transfer it on every transaction

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I highly suggest doing it that way(it's what's called Destination Charges in the docs)

high kayak Apr 6, 2022, 9:48 AM

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Yes but that's not possible

thin vault Apr 6, 2022, 9:48 AM

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well then you have two options

high kayak Apr 6, 2022, 9:48 AM

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it's mandatory fot the project to send once a month

thin vault Apr 6, 2022, 9:50 AM

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on your platform account set yourself to manual payouts. That way you accumulate a balance over time. You can use the /v1/transfers API to send money from your accumulated balance to connected accounts.
use Destination Charges, but set the Express accounts to manual payouts so they can't actually get the money until you call the /v1/payouts API for them (https://stripe.com/docs/connect/manual-payouts)

high kayak Apr 6, 2022, 9:51 AM

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Ok, I think I will follow the first one

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So I have to make a transfer: "stripe.transfers.create({});" where destionation is the id of the express accounts I have created?

thin vault Apr 6, 2022, 9:52 AM

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ok, just be aware that it's complicated

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and you have to wait a few days after payments https://stripe.com/docs/payouts#standard-payout-timing before they're available

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and the reconciliation(knowing which payments correspond to which payouts on bank accounts) is much harder when doing it this way

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it's all totally possible but just be aware. Highly recommend you go with our default recommendations

thin vault Apr 6, 2022, 9:53 AM

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high kayak So I have to make a transfer: "stripe.transfers.create({});" where destionation ...

basically, yes

high kayak Apr 6, 2022, 9:55 AM

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Ok, I will speak to my client. If he wants to keep this flow maybe it's easier with standard accounts?

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Because I don't think he will change his mind about payments...

thin vault Apr 6, 2022, 10:04 AM

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high kayak Ok, I will speak to my client. If he wants to keep this flow maybe it's easier w...

no, it would be much harder. You definitely want to use Express

high kayak Apr 6, 2022, 10:06 AM

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Ok so express account and transfer once a month. Thanks

high kayak Apr 6, 2022, 10:22 AM

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I've seen that to log in into express dashbaord I have to two factors authentication. In the documentatio I don't see where to put phone number when I create an express account

thin vault Apr 6, 2022, 10:22 AM

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it happens during the onboarding.

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You create the account, then an AccountLink, then redirect the user to the URL from the AccountLink. That brings them to a Stripe hosted onboarding flow and part of that is entering a phone number.

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