Connect Overview

    Learn how to use Connect, our solution for any business that needs to process payments and pay out to multiple parties.

    Stripe Connect is a full-stack solution for using Stripe’s capabilities on behalf of others. Connect provides a powerful API and other tools you need to make charges, as well as onboard, verify, and pay sellers, contractors, service providers: whomever your business’s users are.

    You can tailor your integration in various ways, including:

    • Specifying how money moves from the customer to you, and ultimately to your platform’s sellers or recipients
    • Collecting fees for your service
    • Assigning payout schedules and payout methods
    • Supporting different types of Stripe accounts

    You can connect your platform to existing Stripe accounts or create new ones.

    With Connect, you can process payments from customers, transfer money to and from connected accounts, and pay out funds to bank accounts and debit cards.

    Connect use cases

    Connect is a flexible and potent combination of features designed to support a wide range of uses:

    • Crowdfunding services, like Kickstarter and Ulule
    • E-commerce platforms, like Shopify and ASOS marketplaces
    • Marketplaces, like OfferUp and Catawiki
    • On-demand services, like Lyft and Glovo
    • Invoicing solutions, like Xero
    • Booking platforms, like OpenTable
    • Travel and event providers, like Tito and Musement

    Or if you have another business model that simply needs the ability to pay out businesses or individuals, Connect is likely the right solution.

    Key Connect components

    Connect begins by registering your Stripe account as a platform. Third parties—sellers, contractors, and so forth—then associate their Stripe accounts with your platform account. Or your platform can create Stripe accounts for them.

    In designing a Connect integration, the platform decides what Stripe account types to support. There are three types—Standard, Express, and Custom—each with different responsibilities and levels of control.

      Standard Express Custom
    Branding control Partial Significant Complete
    Integration effort Lowest Low Typically higher
    Ideal for users that are: Experienced online businesses Individuals Any type

    Regardless of the type of account in use, once a third party associates their Stripe account with a platform, the platform can use the full power of the Stripe API on their behalf, including:

    • Processing charges
    • Specifying the flow of funds
    • Managing refunds and disputes

    Platforms using Express and Custom accounts have additional abilities, such as setting the payout schedule, issuing Instant Payouts, and performing account debits.

    Recipes

    If you know what type of platform you’d like to build, we’ve written up some sample recipes for specific types of platforms:

    Even if you’re not striving for one of those exactly, these examples should help you figure out how you’d implement yours.

    If you’re building a service on top of Stripe account data, for instance an analytics service like Baremetrics, read our guide to build an integration.

    Availability

    Connect is available for platforms and Standard accounts in any country Stripe supports. Platforms in any supported country can create Express accounts for individuals and sole proprietorships in the United States.

    Custom accounts are only supported for platforms located in Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Luxembourg, the Netherlands, New Zealand, Norway, Portugal, Spain, Sweden, Switzerland, the United Kingdom, or the United States.

    Next steps

    Read on to get started with Connect!