Using Connect with Standard Accounts

With Connect, users of your platform can have one of three types of Stripe accounts:

• Standard
• Express
• Custom

A Standard Stripe account is a conventional Stripe account controlled directly by the account holder (i.e., your platform’s user). A user with a Standard account has a relationship with Stripe, is able to log in to the Dashboard, can process charges on their own, and can disconnect their account from your platform.

You can prompt your users to create Stripe accounts, or allow anyone with an existing Stripe account to connect to your platform.

The OAuth connection flow

A Standard account connects to your platform using OAuth, going through these steps:

1. Starting on a page at your site, the user clicks a link that takes them to Stripe, passing along your platform’s client_id.
2. On Stripe’s website, the user is prompted to connect their Stripe account or create and connect a new account.
3. The user is then redirected back to your site, passing along either an authorization code or an error if the user chooses not to connect.
4. Your site then makes a request to our OAuth token endpoint to fetch the user’s account ID, storing it on your site.

After completing Step 4, API requests can be made on behalf of the connected account using their authorization credentials.

Step 1: Create the OAuth link

To get started with your integration, you need two pieces of information from your platform settings:

• Your client_id, a unique identifier for your platform, generated by Stripe
• Your redirect_uri, a page on your website to which the user is redirected after connecting their account (or failing to, should that be the case), set by you

Stripe also provides a development client_id to make testing easier.

With these two pieces of information in hand, you’re ready to create the OAuth link. We recommend showing a Connect button that sends users to our authorize_url endpoint:

https://connect.stripe.com/oauth/authorize?response_type=code&client_id=ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7&scope=read_write

The Stripe endpoint needs should receive at least these three parameters:

• response_type, with a value of code
• Your client_id
• scope, with a value of read_write

The scope parameter dictates what your platform can do on behalf of the connected account, with read_only being the default.

To prevent CSRF attacks, add the state parameter, passing along a unique token as the value. We’ll include the state you gave us when we redirect the user back to your site.

Here’s how the above URL can be presented to your user to begin the connection:

Connect with Stripe

Step 2: User creates or connects their account

After the user clicks the link on your site, they'll be taken to Stripe's website where they'll be prompted to allow or deny the connection to your platform.

Unlike most OAuth implementations (like Facebook Connect or Sign In with Twitter), we've seamlessly added the process of creating a Stripe account right into our authorization flow. You don't have to worry about whether or not your users already have accounts!

The user is logged in and can connect directly.

The user needs to create an account.

Step 3: User is redirected back to your site

After the user connects their existing or newly created account, they are redirected back to your site, to the URL established as your platform’s redirect_uri.

For successful connections, we’ll pass along in the URL:

• The scope granted
• The state value, if provided
• An authorization code

https://stripe.com/connect/default/oauth/test?scope=read_write&code={AUTHORIZATION_CODE}

If the authorization was denied by the user, they'll still be redirected back to your site, but the URL includes an error instead of the authorization code:

https://stripe.com/connect/default/oauth/test?error=access_denied&error_description=The%20user%20denied%20your%20request

Step 4: Fetch the user's credentials from Stripe

Assuming no error occurred, the last step is to use the provided code to make a POST request to our access_token_url endpoint to fetch the user’s Stripe credentials:

curl https://connect.stripe.com/oauth/token \
   -d client_secret=sk_test_BQokikJOvBiI2HlWgH4olfQ2 \
   -d code="{AUTHORIZATION_CODE}" \
   -d grant_type=authorization_code

(See the sample code for non-curl examples.)

Note that you’ll make the request with your live or test secret API key, depending on whether you want to get a live or test access token back.

Stripe returns a response containing the authentication credentials for the user:

{
  "token_type": "bearer",
  "stripe_publishable_key": "{PUBLISHABLE_KEY}",
  "scope": "read_write",
  "livemode": false,
  "stripe_user_id": "{ACCOUNT_ID}",
  "refresh_token": "{REFRESH_TOKEN}",
  "access_token": "{ACCESS_TOKEN}",
}

If there was a problem, we instead return an error:

{
  "error": "invalid_grant",
  "error_description": "Authorization code does not exist: {AUTHORIZATION_CODE}"
}

You’re done! The user is now connected to your platform. Store the stripe_user_id in your database; this is the Stripe account ID for the new account. You’ll use this value to authenticate as the connected account by passing it into requests in the Stripe-Account header. (It’s also possible to authenticate with the secret key returned here, but it’s more secure to store and use only the account ID instead.)

The refresh_token can be used to generate test access tokens for a production client_id or to roll your access token. You should hold on to this value, too, as you’re only able to get it after this initial POST request.

Revoked and revoking access

An account.application.deauthorized event occurs when a user disconnects your platform from their account. By watching for this event via webhooks, you can perform any necessary cleanup on your servers.

To disconnect a Standard account from your platform, POST your client_id and the connected account’s ID to https://connect.stripe.com/oauth/deauthorize:

curl https://connect.stripe.com/oauth/deauthorize \
   -u sk_test_BQokikJOvBiI2HlWgH4olfQ2: \
   -d client_id=ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7 \
   -d stripe_user_id=acct_N5AKtX4gco4O6T

# Using stripe-ruby
acct = Stripe::Account.retrieve("acct_LHlOQGuTdhniUx")
acct.deauthorize('ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7')

# Using rest-client: http://www.rubydoc.info/github/rest-client/rest-client
RestClient.post(
  'https://connect.stripe.com/oauth/deauthorize',
  {
    client_id: 'ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7',
    stripe_user_id: 'acct_sKrDSqGUEy1LVm',
  },
  {Authorization: 'Bearer sk_test_BQokikJOvBiI2HlWgH4olfQ2'}
)

# Using requests: http://docs.python-requests.org/en/master/
requests.post(
  'https://connect.stripe.com/oauth/deauthorize',
  data={
    'client_id': 'ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7',
    'stripe_user_id': 'acct_lIOhbIy3ihnl13',
  },
  headers={'Authorization': 'Bearer sk_test_BQokikJOvBiI2HlWgH4olfQ2'}
)

// Using curl: https://secure.php.net/manual/en/book.curl.php
$api_key = 'sk_test_BQokikJOvBiI2HlWgH4olfQ2';
$curl = curl_init();
curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://connect.stripe.com/oauth/deauthorize',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_HTTPHEADER => array("Authorization: Bearer $api_key"),
  CURLOPT_POST => true,
  CURLOPT_POSTFIELDS => http_build_query(array(
    'client_id' => 'ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7',
    'stripe_user_id' => 'acct_aRU1VG154FGcq9',
  ))
));
curl_exec($curl);

// Using Apache HttpComponents: https://hc.apache.org/
CloseableHttpClient httpclient = HttpClients.createDefault();
HttpPost httpPost = new HttpPost("https://connect.stripe.com/oauth/deauthorize");
httpPost.setHeader("Authorization", "Bearer sk_test_BQokikJOvBiI2HlWgH4olfQ2");
List <NameValuePair> nvps = new ArrayList <NameValuePair>();
nvps.add(new BasicNameValuePair("client_id", "ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7"));
nvps.add(new BasicNameValuePair("stripe_user_id", "acct_KTh4Ia58aEUSGJ"));
httpPost.setEntity(new UrlEncodedFormEntity(nvps));
CloseableHttpResponse response = httpclient.execute(httpPost);

// Using request: https://github.com/request/request
var request = require('request');
request.post({
  url: 'https://connect.stripe.com/oauth/deauthorize',
  formData: {
    client_id: 'ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7',
    stripe_user_id: 'acct_9CKjGX5x97wk0U',
  },
  headers: {'Authorization': 'Bearer sk_test_BQokikJOvBiI2HlWgH4olfQ2'},
});

// Using "net/http": https://golang.org/pkg/net/http/
client := &http.Client{}
req, err := http.NewRequest("POST",
    "https://connect.stripe.com/oauth/deauthorize",
    strings.NewReader(url.Values{
        "client_id": {"ca_32D88BD1qLklliziD7gYQvctJIhWBSQ7"},
        "stripe_user_id": {"acct_CRUpXQoCNWgzrm"}
    }.Encode()),
)
req.Header.Add("Authorization", "Bearer sk_test_BQokikJOvBiI2HlWgH4olfQ2")
resp, err := client.Do(req)

Next steps

Now you can use the API on your user's behalf to accept payments, set up recurring billing, fetch account data, and more:

• Creating Charges
• Authentication
• OAuth Reference
• Full API reference