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Stripe Payments & SaaS Billing Systems · Ders

Platformlar için Stripe Connect'ten Yararlanma

Ödemeleri birden çok taraf arasında kolaylaştıran pazar yerleri veya platformlar oluşturun; ödemeleri ve ücretleri Stripe Connect ile yönetin.

Platformlar için Stripe Connect'ten Yararlanma, CoddyKit'te ücretsiz bir Stripe Payments & SaaS Billing Systems dersidir. Bu, 4 dersinin 2. dersidir. Aşağıdan dersin tamamını ücretsiz okuyabilir, sonra tarayıcıda yerleşik kod editörü ve 7/24 yapay zeka koçu ile uygulamalı olarak pratik yapabilirsin. Bu, Stripe Payments & SaaS Billing Systems öğrenme yolunun bir parçasıdır ve ilerlemeniz web ve CoddyKit uygulaması arasında senkronize olur. Stripe Payments & SaaS Billing Systems kursu toplamda 4 dersten oluşur.

Bu dersin bazı bölümleri henüz çevrilmemiş olup İngilizce olarak gösterilmektedir.

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!

Sıkça Sorulan Sorular

“Platformlar için Stripe Connect'ten Yararlanma” dersi ücretsiz mi?

Evet — “Platformlar için Stripe Connect'ten Yararlanma” dersin tüm metni burada web'de ücretsiz olarak okunabilir. Etkileşimli olarak pratik yapmak (yerleşik kod editörü ve 7/24 yapay zeka koçu) ve Stripe Payments & SaaS Billing Systems kursunun geri kalanını açmak için CoddyKit PRO'ya yükselt. Stripe Payments & SaaS Billing Systems kursu toplamda 4 dersten oluşur.

“Platformlar için Stripe Connect'ten Yararlanma” dersinde ne öğreneceğim?

Ödemeleri birden çok taraf arasında kolaylaştıran pazar yerleri veya platformlar oluşturun; ödemeleri ve ücretleri Stripe Connect ile yönetin. Stripe Payments & SaaS Billing Systems ile uygulamalı kodu tarayıcıda doğrudan çalıştırarak pratik yaparsın ve 7/24 yapay zeka koçu dersi çalışırken sorularını yanıtlar.

Stripe Payments & SaaS Billing Systems öğrenmeye başlamak için deneyim gerekli mi?

Önceden deneyim gerekmez. CoddyKit'te Stripe Payments & SaaS Billing Systems, başlangıçtan ileri seviyeye kadar yapılandırıldığı için buradan başlayabilir veya başından başlayıp kendi hızında ilerleme yapabilirsin. Bu, 4 dersinin 2. dersidir.

“Platformlar için Stripe Connect'ten Yararlanma” dersi ne kadar sürer?

Çoğu CoddyKit dersi yaklaşık 5–10 dakika sürer. Her biri kısa ve etkileşimli olduğu için sabit ilerleme yaparsın ve web ile uygulama arasında tam olarak bıraktığın yerden devam edebilirsin.

Bu Stripe Payments & SaaS Billing Systems dersinde kod yazıp çalıştırabilir miyim?

Evet. Her Stripe Payments & SaaS Billing Systems dersi yerleşik bir kod editörü içerir, bu sayede tarayıcıda gerçek kod yazıp çalıştırabilir ve anlık yapay zeka geri bildirimi alırsın — yerel kurulum gerekli değildir.

Bu kursun tüm dersleri

  1. CRM ve ERP Sistemleriyle Entegrasyon
  2. Platformlar için Stripe Connect'ten Yararlanma
  3. Üçüncü Taraf Entegrasyonlarını ve Eklentileri Keşfetme
  4. Stripe Verilerini Veri Ambarına Eşitleme
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