Stripe Payments & SaaS Billing Systems · Lección

Uso de Stripe Connect para plataformas

Cree marketplaces o plataformas que faciliten pagos entre varias partes mediante Stripe Connect, gestionando pagos a terceros y comisiones.

Lección 2 de 411 pasos

Uso de Stripe Connect para plataformas es una lección gratuita de Stripe Payments & SaaS Billing Systems en CoddyKit. Esta es la lección 2 de 4. Puedes leer la lección completa abajo gratuitamente — luego la practicas en el navegador con un editor de código integrado y un tutor de IA 24/7. Forma parte de la ruta de aprendizaje de Stripe Payments & SaaS Billing Systems, y tu progreso se sincroniza en la web y la app de CoddyKit. El curso de Stripe Payments & SaaS Billing Systems incluye 4 lecciones en total.

Partes de esta lección aún no han sido traducidas y se muestran en inglés.

What is Stripe Connect?

Stripe Connect is a powerful solution for platforms and marketplaces. It allows you to facilitate payments between buyers and sellers, manage payouts, and handle the financial complexity of multi-party transactions.

Think of platforms like Shopify, DoorDash, or Etsy. They all use Connect (or similar solutions) to manage payments for their merchants or service providers.

Powering Your Platform

Connect simplifies many challenges for platforms:

  • Onboarding: Easily register sellers/service providers.
  • Payment Processing: Collect payments from customers on behalf of others.
  • Payouts: Distribute funds to your connected accounts.
  • Compliance: Stripe handles many regulatory and PCI DSS requirements for you.

Connect Account Types

Stripe Connect offers three main account types to fit different platform needs:

  • Standard: For platforms needing minimal involvement in connected accounts.
  • Express: For platforms that want more control over the user experience.
  • Custom: For platforms that need full control and customization.

Each type offers a different balance of control and responsibility.

The Simple Standard Account

Standard accounts are the simplest. Your connected accounts have their own full Stripe accounts and dashboards.

The platform directs users to Stripe to complete their onboarding. Stripe handles their compliance, support, and direct communication.

You direct payments to them and can take an application fee.

Creating a Standard Account Link

To onboard a Standard account, you create an AccountLink. This generates a URL that your user visits to complete their Stripe account setup. Here's how you'd initiate that on your backend:

import com.stripe.Stripe;
import com.stripe.model.AccountLink;
import com.stripe.param.AccountLinkCreateParams;

public class Main {
  public static void main(String[] args) {
    // In a real application, set your secret key securely.
    // Stripe.apiKey = "sk_test_YOUR_SECRET_KEY";

    // Simulate creating a new account first (usually done via Account.create)
    String connectedAccountId = "acct_example_standard"; // Placeholder ID

    AccountLinkCreateParams params = AccountLinkCreateParams.builder()
      .setAccount(connectedAccountId)
      .setRefreshUrl("https://your-platform.com/reauth")
      .setReturnUrl("https://your-platform.com/return")
      .setType(AccountLinkCreateParams.Type.ACCOUNT_ONBOARDING)
      .build();

    // In a live environment, you'd call:
    // AccountLink accountLink = AccountLink.create(params);
    // System.out.println("Generated Account Link URL: " + accountLink.getUrl());

    System.out.println("Simulated Account Link Creation for ID: " + connectedAccountId);
    System.out.println("Users would be redirected to Stripe to complete setup.");
    System.out.println("A real link would look like: https://connect.stripe.com/setup/acct_... ");
  }
}

Payments to Connected Accounts

When a customer pays on your platform, you collect the payment and then transfer the appropriate amount to the connected account. Stripe Connect offers different charge types for this:

  • Direct Charges: The customer's payment goes directly to the connected account, and you take a fee.
  • Destination Charges: The payment is made to your platform account, and then a portion is transferred to the connected account.

We'll focus on Destination Charges as they give platforms more control over funds.

Processing a Destination Charge

With a destination charge, you create a PaymentIntent on your platform's account and specify the transfer_data to indicate which connected account receives the funds.

The amount in transfer_data is what the connected account receives.

import com.stripe.Stripe;
import com.stripe.model.PaymentIntent;
import com.stripe.param.PaymentIntentCreateParams;

public class Main {
  public static void main(String[] args) {
    // Stripe.apiKey = "sk_test_YOUR_SECRET_KEY"; // Your platform's secret key

    String customerId = "cus_example"; // A customer on your platform
    String connectedAccountId = "acct_example_standard"; // The seller's account

    PaymentIntentCreateParams params = PaymentIntentCreateParams.builder()
      .setCurrency("usd")
      .setAmount(2000L) // Total amount: $20.00
      .addPaymentMethodType("card")
      .setCustomer(customerId)
      .setTransferData(
        PaymentIntentCreateParams.TransferData.builder()
          .setDestination(connectedAccountId)
          .setAmount(1800L) // $18.00 goes to the connected account
          .build()
      )
      .build();

    // In a live environment, you'd call:
    // PaymentIntent paymentIntent = PaymentIntent.create(params);
    // System.out.println("PaymentIntent created: " + paymentIntent.getId());

    System.out.println("Simulated PaymentIntent for $20.00.");
    System.out.println("  $18.00 would be transferred to connected account: " + connectedAccountId);
    System.out.println("  Your platform retains $2.00 as an application fee.");
  }
}

Earning Your Platform Fee

In the previous example, your platform automatically retained the difference between the PaymentIntent amount ($20.00) and the transfer_data.amount ($18.00). This difference ($2.00) is your application fee.

Stripe handles the splitting of funds automatically. This simplifies your accounting and ensures your platform earns its share with each transaction.

Initiating Programmatic Payouts

While Standard accounts can manage their own payouts, you might need to initiate a payout programmatically (e.g., for specific platform rules or refunds). You can create a Transfer object to send funds from your platform to a connected account.

import com.stripe.Stripe;
import com.stripe.model.Transfer;
import com.stripe.param.TransferCreateParams;

public class Main {
  public static void main(String[] args) {
    // Stripe.apiKey = "sk_test_YOUR_SECRET_KEY"; // Your platform's secret key

    String connectedAccountId = "acct_example_standard"; // The recipient account

    TransferCreateParams params = TransferCreateParams.builder()
      .setAmount(5000L) // Amount to transfer: $50.00
      .setCurrency("usd")
      .setDestination(connectedAccountId)
      .build();

    // In a live environment, you'd call:
    // Transfer transfer = Transfer.create(params);
    // System.out.println("Transfer created: " + transfer.getId());

    System.out.println("Simulated Transfer for $50.00 to account: " + connectedAccountId);
    System.out.println("This moves funds from your platform to the connected account.");
  }
}

Choose the Connect Type

Which Stripe Connect account type offers the most direct control for the platform over the user's experience and onboarding flow, requiring the platform to manage more compliance?

Connect Powering Platforms

In this lesson, we explored Stripe Connect, a vital tool for building multi-party platforms and marketplaces.

You learned about the different Connect account types (Standard, Express, Custom), with a focus on Standard accounts. We covered how to onboard connected accounts using AccountLink, collect payments via destination charges, and manage your platform's application fees.

Connect handles much of the complexity, allowing you to focus on your platform's core features!

Gratis para empezar

Aprende Stripe Payments & SaaS Billing Systems con un tutor de IA — gratis

Escribe y ejecuta código real en tu navegador, obtén ayuda instantánea de un tutor de IA disponible 24/7 y continúa donde lo dejaste en la web o en la aplicación.

Cursos
12
Lecciones
48

Preguntas frecuentes

¿La lección «Uso de Stripe Connect para plataformas» es gratis?

Sí — el texto completo de «Uso de Stripe Connect para plataformas» es gratis para leer aquí en la web. Para practicarla de forma interactiva (editor de código integrado y tutor de IA 24/7) y desbloquear el resto del curso de Stripe Payments & SaaS Billing Systems, actualiza a CoddyKit PRO. El curso de Stripe Payments & SaaS Billing Systems incluye 4 lecciones en total.

¿Qué aprenderé en «Uso de Stripe Connect para plataformas»?

Cree marketplaces o plataformas que faciliten pagos entre varias partes mediante Stripe Connect, gestionando pagos a terceros y comisiones. Practicas Stripe Payments & SaaS Billing Systems con código real que ejecutas directamente en el navegador, y un tutor de IA 24/7 responde tus preguntas mientras trabajas en la lección.

¿Necesito experiencia previa para empezar Stripe Payments & SaaS Billing Systems?

No se requiere experiencia previa. Stripe Payments & SaaS Billing Systems en CoddyKit está estructurado para principiantes hasta estudiantes avanzados, así que puedes empezar aquí o desde el inicio y avanzar a tu ritmo. Esta es la lección 2 de 4.

¿Cuánto tiempo toma la lección «Uso de Stripe Connect para plataformas»?

La mayoría de las lecciones de CoddyKit toman alrededor de 5–10 minutos. Cada una es compacta e interactiva, así que avanzas constantemente y retomas exactamente por donde dejaste en la web y la app.

¿Puedo escribir y ejecutar código en esta lección de Stripe Payments & SaaS Billing Systems?

Sí. Cada lección de Stripe Payments & SaaS Billing Systems incluye un editor de código integrado, así que escribes y ejecutas código real directamente en tu navegador y obtienes retroalimentación instantánea de IA — sin configuración local necesaria.

Todas las lecciones de este curso

  1. Integración con sistemas CRM y ERP
  2. Uso de Stripe Connect para plataformas
  3. Exploración de integraciones y plugins de terceros
  4. Sincronización de datos de Stripe con un almacén de datos
← Volver a Stripe Payments & SaaS Billing Systems