#William1888-card
terse mesa
Hi, could you elaborate on "User setup a card to their stripe account"? User normal doesn't have a Stripe account since they are customer
sinful knoll
Hi @terse mesa.
yes, this users are professionals that offer their services through our platform. They are required to setup a stripe account with a card in order to accept booking payment from clients
terse mesa
I see, so they are connected account to your platform, and they setup a debit card to accept payment?
sinful knoll
right, we want to charge the professionals a fee after a client create a booking but not sure how to approach it.
terse mesa
No worries. It's the fund flow choice. You have Direct Charges / Destination Charges / Separate Charges and Transfers. May I know which Connect Account type they are?
like Standard/Express/Custom
TLDR; Standard -> Direct Charges, Express/Custom -> Destination Charges or Separate Charges and Transfers. More here: https://stripe.com/docs/connect/charges#types
sinful knoll
the professionals use express accounts
terse mesa
So you could use Destination Charge. The fund flow is explained here: https://stripe.com/docs/connect/destination-charges
sinful knoll
@terse mesa any idea how to solve this The 'transfer_data[destination]' param cannot be set to your own account.
sharp ridge
transfer_data[destination] should be the account id of a connected account
sinful knoll
@sharp ridge Can y use the destination charges to create charges on behalf of the plataform to a connected account?
sharp ridge
there's no need to do so. The platform account is the Merchant of Record (MOR) for destination charges - https://stripe.com/docs/connect/destination-charges#settlement-merchant
sinful knoll
Ok, so since this express connected accounts already have a card linked. There's a way to avoid passing the payment_method info and confirm the payment?
sharp ridge
where are you seeing that the express connected accounts already have a card linked?
sinful knoll
those accounts are required in our site to have a card linked in order to also get payments from other express accounts
sharp ridge
are you trying to charge the express accounts? If yes, can you explain more about the use case?
sinful knoll
@sharp ridge we have 2 types of users in out platform. The regular users and the service providers. The service providers create their stripe account after creating their account in our site. The regular users make appointments with service providers in our site and we already charge the regular users un behalf of the service providers. What we want is to charge the service providers every time a regular user makes appointment.
sharp ridge
the regular users are also called customers in Stripe terms. Do the customers make a payment (to the service provider) at the same time they make an appointment?
sinful knoll
yes
sharp ridge
then what you would want to do is to take a cut of the transaction - either do it using application fees : https://stripe.com/docs/connect/destination-charges#application-fee, or specify the amount to transfer to the service provider after collecting payment : https://stripe.com/docs/connect/destination-charges#transfer-amount
sinful knoll
ok, got it. Thanks @sharp ridge