zia-checkout | Stripe Developers | Page 1

bright karma Jun 17, 2022, 11:17 AM

#

hi! sure, what's up?

tardy lichen Jun 17, 2022, 11:18 AM

#

thanks

#

I am using checkout session creation

#

and want direct payments from buyer to sellers excluding our stripe platform

#

I implemented the following for full payments and is working perfectly fine

#

#

but in case of subscription I'm stck

#

#

I am not able to use onBehalfOf and the sellers connected account for direct transfer excluding our platform

#

can you please guide me

#

I'm working on it for last 3 days 😦

bright karma Jun 17, 2022, 11:21 AM

#

For Destination charges on subscriptions with Checkout you would use https://stripe.com/docs/api/checkout/sessions/create#create_checkout_session-subscription_data-transfer_data to set it up as a transfer(i.e. it's implementing https://stripe.com/docs/connect/subscriptions#transfer)

#

on_behalf_of is not supported for subscriptions publicly today

tardy lichen Jun 17, 2022, 11:24 AM

#

does this destination charge works similar to onBehalfOf

#

means direct payment to buyer excluding our platform?

bright karma Jun 17, 2022, 11:27 AM

#

well that's not what on_behalf_of does really

#

a Destination charge means your platform charges the end customer, and then transfers some of the funds to the connected account. The platform has responsibility for fees/refunds/disputes.
using on_behalf_of changes internal details of the 'settlement' (https://stripe.com/docs/connect/destination-charges#settlement-merchant), which basically means that the information the customer sees on their bank statements uses the connected account's information so it looks like they were charged by them. But nothing else changes, the platform still has responsibility for fees/refunds/disputes.

tardy lichen Jun 17, 2022, 11:31 AM

#

please correct me if I'm wrong
what i get is, even if we use direct charge in case of subscription, the payment comes to our platform and then get transferred to the seller
right?

#

actually what we were facing was for international clients
we are from US, and we have a seller from Europe and buyer also from Europe

Seller selling something in Euro
Buyer comes and buys in Euro
our platform accepts dollar
Euros from buyer got converted in Dollar and comes in our system
and we transfer those to seller and those dollar again got transferred in Euro

too much conversion rate and fee got involved
to avoid this we tried on behalf of
Now it gets the amount from buyer in Euro and direct transfer that to Seller in Euro

But in case of subscription we are unable to do this

bright karma Jun 17, 2022, 11:43 AM

#

tardy lichen please correct me if I'm wrong what i get is, even if we use direct charge in ca...

no, if you use a* Direct Charge* then the payment does not come to your platform. That is Destination Charges.

bright karma Jun 17, 2022, 11:43 AM

#

tardy lichen actually what we were facing was for international clients we are from US, and w...

yep that makes sense

#

like I said though we don't support on_behalf_of for subscriptions publicly today so you can't use it here to avoid the currency conversion

tardy lichen Jun 17, 2022, 11:44 AM

#

but alternatively can we use Direct Charge in case of subscription to achieve this?

bright karma Jun 17, 2022, 11:46 AM

#

that would be a big change

#

you need to understand what that means for liability for fees/refunds/disputes since it completely changes

#

I would say

use transfer_data like I said and do Destination charges. Accept that you can't use on_behalf_of unfortunately
if it's a hard requirement for you to use on_behalf_of, for the subscriptions talk to https://support.stripe.com/?contact=true about options for getting your account into a beta for it. Note that I don't think the beta supports Checkout so you might not be able to use that and will have to integrate directly

tardy lichen Jun 17, 2022, 11:54 AM

#

so my question is, by using transfer-data and destination charges, my platform can be bypassed? means seller can get direct payment from buyer without involving our platform?

#

further more, can destination charges be used with the full agreement type connected accounts?

bright karma Jun 17, 2022, 11:55 AM

#

what does it mean for you to be bypassed?

#

I'm not really understanding what you mean by that.

tardy lichen Jun 17, 2022, 11:57 AM

#

ok I mean to say
if a european buyer buys form a european Seller
by using transfer-data and destination charge, is it possible to direct pay the euros to seller from buyer

#

or the payment will come to us in dollar and then will be transferred to seller in Euro again?

bright karma Jun 17, 2022, 12:05 PM

#

tardy lichen or the payment will come to us in dollar and then will be transferred to seller ...

yes, that's what happens

#

https://stripe.com/docs/connect/currencies#destination-charges-without-on-behalf-of

Destination charges are converted to the platform’s default currency from the presentment currency and the funds sent to the connected account are converted again to the connected account’s default currency.

#

that's what applies here

#

like you said, on_behalf_of can avoid that

#

like I said, on_behalf_of is not supported for subscriptions

#

so like I said, the options are what I posted above:

use transfer_data like I said and do Destination charges. Accept that you can't use on_behalf_of unfortunately
if it's a hard requirement for you to use on_behalf_of, for the subscriptions talk to https://support.stripe.com/?contact=true about options for getting your account into a beta for it. Note that I don't think the beta supports Checkout so you might not be able to use that and will have to integrate directly

tardy lichen Jun 17, 2022, 12:09 PM

#

ok
thanks dear, I'm all clear now

#

really appreciated

#

"if you use a* Direct Charge* then the payment does not come to your platform. "

#

just one more thing, how can I use direct charge in case of seesion check out subscription

#

?

#

hollow moat Jun 17, 2022, 12:26 PM

#

Hi! I'm taking over this thread.

#

If you want to make a Direct Charge, you need to use the Stripe-Account header as explained here: https://stripe.com/docs/connect/authentication

Making API calls for connected accounts

Learn how to add the right information to your API calls so you can make calls for your connected accounts.

tardy lichen Jun 17, 2022, 12:29 PM

#

not getting your point, this is my code, can you please guide me what I need to change here?

#

to make it a Direct Charge

hollow moat Jun 17, 2022, 12:31 PM

#

This is using .NET? In the link I just shared there is an example of how to use the Stripe-Account header:

tardy lichen Jun 17, 2022, 12:41 PM

#

by doing this changes to customer it will automatically get a direct charge without changing anything while creating checkout session subscription. right?

hollow moat Jun 17, 2022, 12:45 PM

#

When you use the Stripe-Account header, then your Checkout Session will be a Direct Charge: https://stripe.com/docs/connect/direct-charges
So the connected account will get the funds, and then your platform will get the application_fee.

tardy lichen Jun 17, 2022, 12:53 PM

#

sure, thanks Soma,
I'm trying this

#zia-checkout