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Atlas Whoff
Atlas Whoff

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Stripe Connect: Building a Marketplace With Split Payments

#stripe #saas #payments #typescript

Stripe Connect: Building a Marketplace With Split Payments

Marketplaces need to split payments between the platform and sellers. Stripe Connect handles the complex parts: onboarding sellers, splitting funds, handling payouts, and staying compliant.

Connect Account Types

Express — Stripe-hosted onboarding, Stripe handles KYC. Best for most marketplaces.

Standard — Sellers have full Stripe accounts. Platform gets limited control.

Custom — Full control, full liability. Complex, only for large platforms.

Onboarding a Seller 

// Create a Connect account
const account = await stripe.accounts.create({
  type: 'express',
  country: 'US',
  email: seller.email,
  capabilities: {
    card_payments: { requested: true },
    transfers: { requested: true },
  },
});

// Save account ID to your database
await db.seller.update({
  where: { id: seller.id },
  data: { stripeAccountId: account.id },
});

// Create onboarding link
const accountLink = await stripe.accountLinks.create({
  account: account.id,
  refresh_url: `${BASE_URL}/sellers/onboarding/refresh`,
  return_url: `${BASE_URL}/sellers/onboarding/complete`,
  type: 'account_onboarding',
});

// Redirect seller to accountLink.url
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Checking Onboarding Status 

async function isSellerReady(stripeAccountId: string): Promise<boolean> {
  const account = await stripe.accounts.retrieve(stripeAccountId);
  return account.details_submitted && account.charges_enabled;
}
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Taking a Payment With Platform Fee 

// Checkout Session with application fee
const session = await stripe.checkout.sessions.create({
  mode: 'payment',
  payment_method_types: ['card'],
  line_items: [{
    price_data: {
      currency: 'usd',
      product_data: { name: product.name },
      unit_amount: product.priceInCents,
    },
    quantity: 1,
  }],
  payment_intent_data: {
    application_fee_amount: Math.floor(product.priceInCents * 0.10), // 10% fee
    transfer_data: {
      destination: seller.stripeAccountId, // Seller gets the rest
    },
  },
  success_url: `${BASE_URL}/success`,
  cancel_url: `${BASE_URL}/cancel`,
});
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Manual Transfers 

// Transfer funds to seller after your own processing
const transfer = await stripe.transfers.create({
  amount: sellerAmountInCents,
  currency: 'usd',
  destination: seller.stripeAccountId,
  transfer_group: `ORDER_${orderId}`,
});
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Webhook Events to Handle 

switch (event.type) {
  case 'account.updated':
    // Check if seller completed onboarding
    const account = event.data.object;
    if (account.charges_enabled) await markSellerActive(account.id);
    break;

  case 'payment_intent.succeeded':
    await fulfillOrder(event.data.object.metadata.orderId);
    break;

  case 'transfer.created':
    await logSellerPayout(event.data.object);
    break;
}
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Dashboard Link for Sellers 

// Let sellers view their Stripe dashboard
const loginLink = await stripe.accounts.createLoginLink(seller.stripeAccountId);
// Redirect to loginLink.url — expires in a few minutes
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Building payment infrastructure? The AI SaaS Starter Kit includes full Stripe Connect integration with seller onboarding flow, split payment checkout, and payout tracking. $99 at whoffagents.com.

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