Buyer and seller experiences
To get started, it helps to map your existing buyer and seller flows to what they’ll look like on Stripe. Common buyer flows include:
- Checkout: how buyers provide payment details to your platform and purchase services or items
- Refunds: how buyers request and receive refunds
In the checkout flow, you should consider options like:
- Saving customer payment information to make checking out faster
- Additional payment methods: cards, Apple Pay, Google Pay, ACH, etc.
- Experiences, including web, iOS, and Android
Common seller flows include:
- Seller onboarding
- Viewing dashboards, reports, and payouts
To onboard new sellers, you need to collect identity verification information. This is usually done through a form. Reading the verification best practices page will help you determine what information to collect and when. The approach we recommend depends on whether you run a B2B or B2C business. Sellers won’t have access to the Stripe Dashboard, so you need to build dashboards and reports that they can use to track payments, refunds, etc.
Fund flows are how platforms charge customers, pay Stripe’s processing fee, manage refunds and disputes, and pay sellers. For Connect Express and Custom integrations, we recommend using destination charges unless you need to split charges across multiple connected accounts.
With Connect, you can earn money while processing charges by collecting platform fees. You can use this concept to pass the Stripe processing fee to your connected accounts. The two most common methods are:
- Calculating the processing fee and adding a fixed amount per charge (e.g., Stripe's fee + $0.50).
- Bundling processing fees into your overall SaaS offering (e.g., 10% fee for each payment).
Platforms can also use account debits to charge connected accounts outside of each transaction. This lets platforms charge for things like listing fees or other service charges, without collecting payment information from connected accounts.
Platforms are responsible for managing refunds and disputes. Since you'll use either destination charges or separate charges and transfers, your platform balance is debited automatically in refund and dispute flows. However, you have the option to pull funds and associated fees back from the seller. Both refunds and disputes can be handled through the Dashboard and API.
To make managing fund flows easier, it’s helpful to add additional fields—such as order numbers or customer names—to charges when they’re created. This information is often used by customer service teams to find and refund charges. Your engineering team can pass this information in the metadata attribute of the charge and customer objects.
In Connect Custom integrations, platforms are responsible for coordinating refunds and disputes. They can pull back funds associated with refunds or disputes from a seller, but this may lead to a negative balance on the connected account. When a platform has a connected account with a negative balance, Stripe reserves the negative balance amount on the platform’s balance until the connected account is cleared, or 180 days have passed. You can read more about these scenarios in the negative balances deep dive.
To prevent fraud, you can implement card verification code (CVC) and address verification (AVS) checks. You can also implement 3D Secure which adds an additional layer of security. It requires your customers to complete additional steps during the payment process that could impact their checkout experience. For instance, if a customer doesn't know their 3D Secure information, they might not be able to complete the payment. In addition to these checks, you should pass parameters specific to your business to help Stripe’s fraud detection. You can customize fraud detection further with Stripe Radar.
Migrating your data
To support your existing customers, card data from your current processor needs to be migrated to Stripe. You should reach out to your current processor early in the onboarding process to find out how long it takes them to prepare the data.
When you reach out to your current processor, make sure to include the data you want to migrate.
This might include customer payment information like card or bank account details, and any other information
you want to attach to
Using Stripe data
You also need to determine the internal systems you have that rely on Stripe data. These are often enterprise resource planning (ERP) and accounting systems that depend on some kind of database. Work with your internal teams to identify these systems, how to map Stripe’s data against them, and where to store data.
Training is primarily for customer service and finance teams. These teams need to learn to use the Dashboard, and how to view and create reports. Some parts of your integration may need to be implemented (so you can create test data) before training can be completed. During the scoping phase, you can review the training materials and create a list of your team members that need training.
GTM strategies vary greatly, so you should work with your marketing team and others to create a strategy that fits your business. Stripe provides some resources and recommendations you can use in your planning and post-launch. GTM planning can happen at any time, but it's helpful to have a general plan early in the onboarding process.
Use this checklist to help track your progress through the scoping phase. Depending on your integration, some of the checklist items might not apply to you, or you might have other items to track that aren't listed. The state of each checkbox is stored in your browser's cache, so you can return to this page at any time to see what has been completed.