플랫폼을 위한 Stripe Connect 활용
Stripe Connect를 사용하여 여러 당사자 간의 결제를 지원하는 마켓플레이스나 플랫폼을 구축하고 지급금과 수수료를 처리합니다.
플랫폼을 위한 Stripe Connect 활용은(는) CoddyKit의 무료 Stripe Payments & SaaS Billing Systems 강의입니다. 이것은 4개 중 2번째 강의입니다. 아래에서 전체 강의를 무료로 읽을 수 있으며, 내장 코드 에디터와 24/7 AI 튜터와 함께 브라우저에서 직접 실습할 수 있습니다. 이 강의는 Stripe Payments & SaaS Billing Systems 학습 경로의 일부이며, 진행 상황이 웹과 CoddyKit 앱에 동기화됩니다. Stripe Payments & SaaS Billing Systems 강의에는 총 4개의 강의가 포함되어 있습니다.
이 강의의 일부는 아직 번역되지 않았으며 영어로 표시됩니다.
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!
AI 튜터와 함께 Stripe Payments & SaaS Billing Systems을(를) 배우세요 — 무료
브라우저에서 실제 코드를 작성하고 실행하며, 24/7 AI 튜터로부터 즉각적인 도움을 받고, 웹이나 앱에서 중단한 부분부터 계속 학습하세요.
- 코스
- 12
- 레슨
- 48
자주 묻는 질문
“플랫폼을 위한 Stripe Connect 활용” 강의는 무료인가요?
네 — “플랫폼을 위한 Stripe Connect 활용” 전체 내용을 이 웹사이트에서 무료로 읽을 수 있습니다. 인터랙티브하게 실습하려면(내장 코드 에디터와 24/7 AI 튜터), CoddyKit PRO로 업그레이드하면 Stripe Payments & SaaS Billing Systems 강의 전체를 잠금 해제할 수 있습니다. Stripe Payments & SaaS Billing Systems 강의에는 총 4개의 강의가 포함되어 있습니다.
“플랫폼을 위한 Stripe Connect 활용”에서 뭘 배우나요?
Stripe Connect를 사용하여 여러 당사자 간의 결제를 지원하는 마켓플레이스나 플랫폼을 구축하고 지급금과 수수료를 처리합니다. 브라우저에서 직접 실행하는 실습 코드로 Stripe Payments & SaaS Billing Systems을(를) 배우며, 24/7 AI 튜터가 강의를 진행하면서 질문에 답변해줍니다.
Stripe Payments & SaaS Billing Systems을(를) 시작하는 데 경험이 필요한가요?
사전 경험은 필요하지 않습니다. CoddyKit의 Stripe Payments & SaaS Billing Systems은(는) 초급자부터 고급 학습자까지를 위해 구성되어 있으므로, 여기서 시작하거나 처음부터 시작할 수 있으며 자신의 속도대로 진행할 수 있습니다. 이것은 4개 중 2번째 강의입니다.
“플랫폼을 위한 Stripe Connect 활용” 강의는 얼마나 걸리나요?
대부분의 CoddyKit 강의는 약 5~10분이 소요됩니다. 각 강의는 간결하고 인터랙티브하여 꾸준한 진행이 가능하며, 웹과 앱에서 중단한 부분부터 바로 시작할 수 있습니다.
이 Stripe Payments & SaaS Billing Systems 강의에서 코드를 작성하고 실행할 수 있나요?
네. 모든 Stripe Payments & SaaS Billing Systems 강의에는 내장 코드 에디터가 포함되어 있으므로, 브라우저에서 바로 실제 코드를 작성하고 실행한 후 즉시 AI 피드백을 받을 수 있습니다 — 로컬 설정이 필요 없습니다.
이 강의의 모든 강의
- CRM 및 ERP 시스템 통합
- 플랫폼을 위한 Stripe Connect 활용
- 타사 통합과 플러그인 살펴보기
- Stripe 데이터를 데이터 웨어하우스에 동기화하기