#qualle-custom-accounts

1 messages · Page 1 of 1 (latest)

sterile oasis
#

hello

#

there isn't "one exact field" , the fields depend on many factors: country, business types, what other information was passed, etc.
There's a lot of work you need to do here
We also strongly recommend not building this yourself, we built Connect Onboarding so that you never have to worry about it: https://stripe.com/connect/onboarding

worthy marsh
#

we have a specific requirement to handle this in-app

#

not an "exact field" sure, but fields necessary to verify a company

sterile oasis
#

there's no exact fields, there are numerous things to provide

#

I'd recommend reading our docs carefully, this is all covered in details, it's just a lot of work. Possibly months of work if you wnat to handle multiple countries and business types

worthy marsh
#

thats fine

#

and there are exact fields

# 
      "eventually_due": [
          "external_account",
          "individual.address.city",
          "individual.address.line1",
          "individual.address.postal_code",
          "individual.address.state",
          "individual.dob.day",
          "individual.dob.month",
          "individual.dob.year",
          "individual.first_name",
          "individual.last_name",
          "individual.ssn_last_4",
          "tos_acceptance.date",
          "tos_acceptance.ip"
      ],
#

and I believe an ID document

sterile oasis
#

that's for an individual

#

you said a company earlier

#

companies require collecting information about every owner and the representative and details about each one, and sometimes extra information based on what we can and ca't verify

worthy marsh
#

I've definitely looked at it for weeks

#

but its not clear what apis are used

#

the bigger question is, we might be steering away from connect if there is such risk involved onboarding users

#

we need to manage payouts in a marketplace fashion, but this will cause high bounce rates

#

here it seems only accounts api is used

sterile oasis
#

I'm not sure what risk and bounce you cause. Not using Connect is not possible, unless you don't use Stripe at all I guess. If you want to disburse funds to other businesses/accept payments on their behalf you have to use Connect.

#

And for the APIs, you use the Accounts API for the account/business/company details and the Persons API for representing individual humans involved in the business

#

I'm totally happy to clarify/chat about it.What I can't do is give you a magic list of fields, that's not how identify verification works worldwide

worthy marsh
#

thank you for clarifying, my job is to manage expectations with my business, I've sold them on connect - but we really prefer to have the onboarding in-app

worthy marsh
#

but I can communicate that to business and we can switch over to provided onboarding

#

I actually tested including accountLink in their welcome email upon registration, which worked like a charm

#

but if there are multiple apis/region considerations, we may just stick with the provided onboarding

sterile oasis
#

The links expire after a few minutes and on first use. We recommend getting the person to your website and from there redirecting them to Stripe

worthy marsh
#

ok

#

maybe even an iframe

sterile oasis
#

no iframe

#

full page redirect only

#

And for US it's definitely easier, but still a ton of work. You need to do SSN validation, file upload, date of birth validation. It's not impossible, hundreds of businesses do this, but it's hard. It's our job to focus on this while you focus on your business 🙂

worthy marsh
#

I was going to mention, I haven't seen any examples of companies using this

#

but that is my own ignorance

#

bigger companies have capacity to hand-roll solutions, which my team understands

sterile oasis
#

there are more users of Connect Onboarding than people using the raw APIs, I can tell you that :p

#

Also rules change, in a year we might say "hey you need to collect a phone number now" because it's a new rule/regulation and you'll have to make changes. While with Connect Onboarding we just do that for you!

worthy marsh
#

interesting, very helpful

#

this channel is very very good for stripe, and we are going to be doing huge business through this

#

millions a year

sterile oasis
#

But this is me helping developers do this right

#

if I dont convince you, I'll spend 5 hours helping you do each field so I'm definitely biased :p

#

(and thanks, really appreciated)

worthy marsh
#

it seems convoluted for sure

#

just one more question, the stripe provided onboarding includes credit card info?

#

and I can still listen to webhook to update our database records with their account info?

sterile oasis
#

you can ask many more questions I'm happy to help. I'll just send you to the docs if you didn't read them :p

#

Connect Onboarding with Custom accounts only collects personal information about the business/people involved.

#

It does not collect the payout details like their bank account or debit card in the US

worthy marsh
#

ok we are handling this in-app right now, lets just say the provided onboarding is completely finished

sterile oasis
#

it's something we want to add but it's tricky since there's no authentication in that flow, we rely on you, the platform, to send the right person to the right page

worthy marsh
#

on our side

#

there was ask from business to provide in-app, I'll explain to them why

sterile oasis
#

yep totally understand

#

I have the discussion we just had with dozens of people

#

it's like people who don't want to use Checkout. They just want their payment form, but many want that because they never really tried Checkout and saw how many more things it can do than just card payments

worthy marsh
#

We have a marketplace which requires a very high volume of ACH transfers from 1 customer to another

#

and our business takes a fee

#

these transfer payments could amount in thousands per day

#

it is 100% built, using provided onboarding, we are just worried about bounce rates with ID card, SSN

sterile oasis
#

sure but that problem would happen wherever you go