Difference between Braintree Customer and Submerchant? - payment

I've been reading through Braintree's documentation but I'm having a little bit of trouble figuring out the difference between creating a customer:
https://developers.braintreepayments.com/ios+php/reference/request/customer/create
and creating a SubMerchant account:
https://developers.braintreepayments.com/ios+php/reference/request/merchant-account/create
Can anyone help explain what situations would call for you to use one over the other?

I work at Braintree. If you need more help, please get in touch with our support team.
Customers are your customers -- people who are paying you with credit cards / PayPal / etc.
Sub merchants are different -- they're other people / organizations on who's behalf you are accepting payments using Braintree. They're a feature of Braintree's Marketplace offering. If you're not a marketplace merchant, you don't need to worry about creating sub merchant accounts.

Related

How to handle SaaS reseller that collects payment from customers?

I develop and host a SaaS business that bills most customers directly, and that is a normal basic use-case with Stripe.
However, I also have a reseller that handles the billing relationship for those mutual customers. Since I host the SaaS service, all signups and subscription changes run through my software, and I'd like to use Stripe to track those customers, and create an invoice for each one of what the reseller owes us for them. Then I'd like to be able to charge the reseller's credit card once to pay for all those customers' invoices in one transaction. Is that possible?
Stripe Connect seems to serve the general need for handling these types of multi-party transactions. But I don't want to require the reseller to use Stripe to bill their own customers.
It seems maybe it could work if I created a single Stripe customer for the reseller, and then create a subscription for each of the reseller's customers under the reseller's customer resource. But it's not the canonical way of doing it, and I think I'd prefer a Stripe customer resource for each actual customer.
Although it might seem I could just collect payment from the reseller, and then mark all the customer invoices as paid offline but that seems it would double book revenue. I definitely don't want that!
I'm hoping someone might have a suggestion about the best way to accomplish this.
Thanks.
These types of questions are probably better suited for the Stripe support team, as they’ll be able to advise you on your business model and if there are any edge cases or unknowns you should be aware of: https://support.stripe.com/contact

Stripe payment logic

I have a question about Stripe payment logics. I want to build a site for teachers and students.
Teachers and students share the available time for lessons. After lesson, teachers get paid from the students. And teachers can receive money once per half month or a month.(This withdraw operation must to be done automatically.)
I want to create a stripe account when signing up into my site.
I saw that there is custom stripe account concepts for this.
I cannot find out that clear logic for my scenario.
I hope anyone help me.
I think you should start with reading this: https://stripe.com/docs/connect/collect-then-transfer-guide and then reach out to Support if you have specific questions: https://support.stripe.com/contact/email

Set-up Stripe Connect for split payments

I have a platform which users register on with their car and then another user can then rent the car for a period of time. When the payment for the rental is received to our company account I need to be able to pay out 80% to the car owner and then pay our company account the remaining 20%.
I have Stripe integrated on my platform and we can receive payments but I don't know how to set up the rest, Stripe support are saying the platform developers need to do it, but the platform developers don't know where they need to do this and tell me I actually need to do it within Stripe myself. Im so frustrated and confused as no one is helping me.
I would be so grateful for some advice and help on if code needs to be put on the platform by the developer and if so what code? Also if there is a link to the correct guidelines.
Thank you in advance!
Gen
The product you need to use here is called Stripe Connect. It allows you to collect payments on behalf of a third-party, send them the funds and keep a portion of it for yourself.
The idea is that you will act as a platform and have your own Stripe account. Car owners will be able to register with your platform and create their own Stripe account that will be connected to your own.
When a customer wants to book a car you'll be able to collect their card details securely and charge them on behalf of the car owner while keeping a portion of the funds for yourself.
This will be a more complex integration though and something that your developers will need to build for you if you're not the developer yourself. You'll use multiple Stripe products such as Connect as mentioned earlier, but also Checkout or Elements to collect card details.

How do I implement a customer wallet with Node.js and Stripe or Braintree

I'm building an uber-like app where there are customers, and drivers:
Customers need to have a wallet to which they can add money using credit cards
Drivers need to be paid when they complete a ride, and my platform receives a commission on each ride fare.
I experimented with Stripe, but they don't seem to support a customer wallet implementation out of the box. Neither does braintree. Am I missing something?
Full disclosure: I work at Braintree. If you have any further questions, feel free to contact
support.
Happy to offer help!
Customers need to have a wallet to which they can add money using
credit cards
Braintree has a Vault in which you can allow customers to store payment methods, but there is no feature which will allow them to "add money". These payment methods are represented as payment method tokens which can be charged at any point.
Drivers need to be paid when they complete a ride, and my platform
receives a commission on each ride fare.
Braintree offers a Marketplace solution that allows you to split a payment to two parties; one being a sub-merchant (in your case, a driver), and a service see being sent to you, as the master merchant. You can read more about Marketplace at this link.
Feel free to reach out to support if you need further clarification!
Stripe doesn't support a 'wallet' style approach, but you can definitely use Connect to build this, though you'd then charge your customers at the time of purchase/use, rather than having them 'prefill' a wallet.
I'd suggest you reach out to Support if you have further questions on this one.

Charging other Stripe Merchants

I'm developing a donation platform on which I'll be taking a fee and am looking into using Stripe, but I'm snagged on one point that I haven't found any documentation for thus far.
Stripe doesn't handle chained payments, but does mention in their FAQ that: "If you want to collect a fee on the transactions, you can charge these merchants with your API key using Stripe."
Anyone know of some documentation or examples I could reference for this? Or could anyone point me in the right direction with their existing docs?
Thanks!
Stripe doesn't handle chained payments, but does mention in their FAQ that: "If you want to collect a fee on the transactions, you can charge these merchants with your API key using Stripe."
This just means your platform's users can pay you via credit card, and you can charge these cards with your Stripe API key. If you email support#stripe.com with more details on your setup, we can help you decide how to best structure your platform payments. Also feel free to jump into our chatroom at https://stripe.com/campfire.

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