Stripe Marketplace

[excid3]

This is something I've wanted to support for a long time. I think it's safe to say, I'm no longer targeting feature parity between payment providers anymore. Paddle was a pretty big divergence from Stripe and Braintree and we're never going to be able to make them work very similarly. Even if we did, we'd lose a lot of functionality that wasn't shared between them.

Stripe Marketplace

We'll need to support Stripe accounts through:

• Standard
• Express
• Custom

Read this if you need to decide which account types to use: https://stripe.com/docs/connect/accounts

Express seems like the ideal. Less work for devs, but more control.

This will mostly be a decision outside of Pay I would assume.

Direct vs Destination Charges vs Separate Charges + Transfers

https://stripe.com/docs/connect/charges#types

Direct charges

Only connected accounts with the card_payments capability can be directly charged.

When using Standard accounts, Stripe recommends that you create direct charges. Though uncommon, there are times when it’s appropriate to use direct charges on Express or Custom accounts. With this charge type:

You create a charge on your user’s account so the payment appears as a charge on the connected account, not in your account balance.
The connected account’s balance increases with every charge.
Your account balance increases with application fees from every charge.
The connected account’s balance will be debited for the cost of Stripe fees, refunds, and chargebacks.
Only connected accounts with the card_payments capability can be directly charged.

Destination charges

When using Express or Custom accounts, Stripe recommends that you create destination charges. With this charge type:

You create a charge on your platform’s account so the payment appears as a charge on your account. Then, you determine whether some or all of those funds are transferred to the connected account.
Your account balance will be debited for the cost of the Stripe fees, refunds, and chargebacks.

Usage

These various types of payments won't hugely affect Pay. We will just need to support these separate options when creating charges and subscriptions.

For example, here are the 3 different methods:

Direct

payment_intent = Stripe::PaymentIntent.create({
  payment_method_types: ['card'],
  amount: 1000,
  currency: 'usd',
}, stripe_account: '{{CONNECTED_STRIPE_ACCOUNT_ID}}')

Destination

payment_intent = Stripe::PaymentIntent.create({
  payment_method_types: ['card'],
  amount: 1000,
  currency: 'usd',
  transfer_data: {
    destination: '{{CONNECTED_STRIPE_ACCOUNT_ID}}',
  },
})

Separate charge and payout

payment_intent = Stripe::PaymentIntent.create({
  amount: 10000,
  currency: 'usd',
  payment_method_types: ['card'],
  transfer_group: '{ORDER10}',
})

# Create a Transfer to a connected account (later):
transfer = Stripe::Transfer.create({
  amount: 7000,
  currency: 'usd',
  destination: '{{CONNECTED_STRIPE_ACCOUNT_ID}}',
  transfer_group: '{ORDER10}',
})

# Create a second Transfer to another connected account (later):
transfer = Stripe::Transfer.create({
  amount: 2000,
  currency: 'usd',
  destination: '{{OTHER_CONNECTED_STRIPE_ACCOUNT_ID}}',
  transfer_group: '{ORDER10}',
})