Stripe Payments & SaaS Billing Systems · Lezione

Utilizzo di Stripe Connect per le piattaforme

Costruisca marketplace o piattaforme che facilitano i pagamenti tra più parti usando Stripe Connect, gestendo accrediti e commissioni.

Lezione 2 di 411 passaggi

Utilizzo di Stripe Connect per le piattaforme è una lezione Stripe Payments & SaaS Billing Systems gratuita su CoddyKit. Questa è la lezione 2 di 4. Puoi leggere la lezione completa qui gratuitamente — poi esercitati direttamente nel browser con un editor di codice integrato e un tutor IA disponibile 24/7. Fa parte del percorso di apprendimento Stripe Payments & SaaS Billing Systems, e i tuoi progressi si sincronizzano tra il web e l'app CoddyKit. Il corso Stripe Payments & SaaS Billing Systems include 4 lezioni in totale.

Parti di questa lezione non sono ancora state tradotte e vengono mostrate in inglese.

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 per iniziare

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

Scrivi ed esegui vero codice nel tuo browser, ricevi aiuto istantaneo da un tutor IA disponibile 24/7, e riprendi da dove hai lasciato sul web o nell'app.

Corsi
12
Lezioni
48

Domande Frequenti

La lezione «Utilizzo di Stripe Connect per le piattaforme» è gratuita?

Sì — il testo completo di «Utilizzo di Stripe Connect per le piattaforme» è gratuito qui sul web. Per esercitarvi in modo interattivo (un editor di codice integrato e un tutor IA 24/7) e sbloccare il resto del corso Stripe Payments & SaaS Billing Systems, passa a CoddyKit PRO. Il corso Stripe Payments & SaaS Billing Systems include 4 lezioni in totale.

Cosa imparerò in «Utilizzo di Stripe Connect per le piattaforme»?

Costruisca marketplace o piattaforme che facilitano i pagamenti tra più parti usando Stripe Connect, gestendo accrediti e commissioni. Eserciti Stripe Payments & SaaS Billing Systems con codice pratico che esegui direttamente nel browser, e un tutor IA 24/7 risponde alle tue domande mentre lavori sulla lezione.

Ho bisogno di esperienza per iniziare Stripe Payments & SaaS Billing Systems?

Non è richiesta alcuna esperienza precedente. Stripe Payments & SaaS Billing Systems su CoddyKit è strutturato per principianti e studenti avanzati, quindi puoi iniziare da qui o dall'inizio e procedere al tuo ritmo. Questa è la lezione 2 di 4.

Quanto tempo richiede la lezione «Utilizzo di Stripe Connect per le piattaforme»?

La maggior parte delle lezioni CoddyKit richiede circa 5–10 minuti. Ogni lezione è breve e interattiva, quindi fai progressi costanti e riprendi esattamente da dove hai lasciato su web e app.

Posso scrivere ed eseguire codice in questa lezione Stripe Payments & SaaS Billing Systems?

Sì. Ogni lezione Stripe Payments & SaaS Billing Systems include un editor di codice integrato, quindi scrivi ed esegui codice reale direttamente nel tuo browser e ricevi feedback istantaneo dall'IA — nessuna configurazione locale necessaria.

Tutte le lezioni di questo corso

  1. Integrazione con sistemi CRM ed ERP
  2. Utilizzo di Stripe Connect per le piattaforme
  3. Esplorazione di integrazioni e plugin di terze parti
  4. Sincronizzare i dati Stripe con un data warehouse
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