#bandor - SC&T Connect
indigo adder
Checking in to this. I believe it is technically possible but discouraged because of problems like liability and also it makes things like refunds more difficult.
Can you tell me what you are trying to do that you are looking to use SC&T for?
steep glen
We’re implementing a Stripe Connect set-up where the connected accounts are a combination of offices and their independent contractors. Every charge that we process will get split between one of the offices and one of the independent contractors (plus we’ll take a fee).
indigo adder
Thank you for the clarification. Not sure what we'd typically recommend here. You are definitely right that SC&T is typically the way to go for splitting between multiple parties here. Unsure what the best way to do this with Standard accounts here.
I will reach out to my colleagues and see if they have ideas.
steep glen
Thanks for checking on it! Currently, the clients of these offices/independent contractors make separate payments to both parties. So I think it could be reasonable for us to do direct charges to each party. We’re interested in lumping them together so the client only has to make one payment though, and we would just split it into two direct charges behind the scenes. However, we’d need to set it up so that the first payment rolls back if the second fails. Is this possible? It seems confusing for the client to only have part of a transaction process.
indigo adder
Unfortunately there isn't a great solution to that issue with two payments. Two charges definitely could work but you are right that that adds complication and extra places that this could break
steep glen
Sounds good, thanks for ruling that out. I didn’t see any way to bundle two direct charges, but just thought I’d check. I guess for now, we’ll go ahead and build this out with the SC&T approach unless you think that’s not a reliable option. Please let me know if you or your colleagues come up with any other thoughts on a different approach! Thanks and have a great weekend!
indigo adder
So good news, I was just confused about SC&T, I was mixing up information that I had on destination charges with Standard accounts.
So to get to your original question, your platform would be responsible in this case. You can try to get the funds back from your connected accounts or you can keep a payment method on file to charge if you can't recoup it from their account balance.
steep glen
Great, I appreciate you confirming that! That all makes sense! Have a good one!
indigo adder
Of course, you too!
steep glen
Just to confirm, the bit about trying to get the funds back from connected accounts or keeping a payment method on file to charge is the same process you'd use to handle refunds with Express accounts, right? I'm just making sure I can reference the regular SC&T documentation for refunds, even though it's focused on Express and Custom.
snow swift
Hi there 👋 taking over
Express and Custom should be similar, but this is more of a support question. I would recommend following up with them if you have additional questions: https://support.stripe.com/contact/email