Stripe: Send money to a Connected Account

Question

I am building an application that allows (potentially anonymous) users to send money to a third-party. It is a requirement that the money go directly and not touch the app's account. Stripe's Connect platform seems to allow this, by the third-party connecting an account: https://stripe.com/docs/connect/payments-fees

The "Charge Directly" option seems to do as desired. However, my current implementation seems to be sending the money to my platform's account instead of the third-party connected account. I am using Ruby, so this format applies:

Stripe.api_key = PLATFORM_SECRET_KEY
Stripe::Charge.create({
  :amount => 1000,
  :currency => "usd",
  :source => {TOKEN}
}, {:stripe_account => CONNECTED_STRIPE_ACCOUNT_ID})

The TOKEN is obtained via Stripe.js from the user inputting their credit card information. I have substituted the PLATFORM_SECRET_KEY variable for the secret key obtained in my platform's Stripe account under API keys. I have stored the third-party's user_id from when they connected their account via Stripe Connect, which I input for CONNECTED_STRIPE_ACCOUNT_ID.

As the payments are showing up in my platform's dashboard under 'Payments', I clearly have some keys mixed up. Can anyone point me in the right direction for which keys go where? Thank you!

Matthew Arkin Matthew Arkin · Accepted Answer · 2015-10-23T05:19:46

If you're seeing it in your dashboard either:

1) the version of the Stripe library you're using is not new enough to support the Stripe-Account header.

2) You're passing a null as the connected account id

3) You're passing your own account id as the connected account id.

Stripe: Send money to a Connected Account

2 Answers