#stripe

Another question, my managed account is showing in the dashboard as unverified, but querying the API shows no fields needed for verifications

treed593: there is a difference between verified and no fields needed, as long as fields needed is empty and charges/transfers are enabled you're good to go

verification is done when required per regulatory compliance

Okay, everything is showing enabled, I just thought it was because I didnt see a way to supply the EIN for the managed account, but if that will come when needed not a problem. Thanks Again

EIN is the business tax id

I know

so there is a business tax id field if you specify that the managed account is a business

Using the rails stripe gem and it was working perfectly fine creating customers via their bank account info (token received from Stripe.js) and now I get this error saying I need to specify account type as either 'individual' or 'company' any thoughts???

SilverLynx: customers or managed accounts? A customer shouldn't have a bank account

well they're vendors but I dont think I set up managed accounts

is it no possible to have customers save their bank info? it totally used to work and all of a sudden stopped

SilverLynx: well customers are for paying you, managed accounts are for people you are paying out to

you cannot pay out to a customer

gotcha so do I need to use something other than Stripe::Customer

SilverLynx: if you want to pay out yes, managed accounts

client was going to pay out the 'customer's themselves I think

which is why we originally set it up that way

what do you mean pay out the customers?

are managed accounts supported in the rails gem

yes

they are

well pay out the vendors but they sign up as users

sorry super confusing I know

I will look into managed accounts thank you

any idea why it used to work and hten just stopped though? Managed accounts were in beta when I set this up

yeah customers are only for charging (money goes from customers to account)

I have no idea you could never send money to a customer so I have no idea what you were doing

Great! The rule to remember is what markin said, Stripe Customers are for charging, Managed Accounts are for people you are paying out to

thanks guys much appreciated :)

if you were trying to add bank accounts to customers to charge them via ACH you'll want to email in to Stripe

anyone from Stripe here?

have a quick tax question

(need to PM)

please PM me when you’re here

thanks!

cfxd: This is more of an integration/developer chat. Is it a general question or something specific to your account?

specific to my account

cfxd: Account specific questions can't really be answered on IRC, since it's insecure. You probably want to take your issue offline and send it in to Support through the Support Form @ https://support.stripe.com/email

korben: can i PM you?

cfxd: Go for it.

anyone here?

irongerman: Yep.

Hi @korben

Are you an expert using stripe?

I mean-- it's my job. So mostly?

;)

hahaha ok, great

This is my first time using stripe, I'm integrating it with CakePHP, I've been read the documentation and I also found a Cakephp plugin for stripe

however it seems that there is another way to integrate stripe which is with stripe.js

Yep.

Well, kinda.

At some point or another, you're probably gonna be using either Stripe.js or Checkout.

That's how you store credit card/customer information in Stripe's database securely.

I see, I was trying out this library Omnipay

they have a demo which does not use stripe.js or checkout

and I guess it's not secure to do it that way

right?

irongerman: it looks like there's an omnipay / stripe.js integration, woo! https://github.com/thephpleague/omnipay-stripe#...

irongerman: Yeah, I'd assume they were just building the Card Objects using our API, but I can't be certain. I'd need to look into OmniPay a bit. dqsf seems to have you covered though. ;)

irongerman: You can do it without stripe.js or checkout and still have it be secure, but we generally don't recommend it as it increases your PCI compliance burden

^^ that

and you have to handle all kinds of things like audits, security scans, perhaps hiring a QSA to make sure you're all set

I understand, that's exactly what I want to avoid

irongerman: Honestly, imho, our interface is so simple, unless you plan on using multiple payment gateways-- I'd just use Stripe.js + Stripe's PHP Library.

I want to make it as secured as possible, thanks for the link dqsf, I guess I was looking at a deprecated version of omnipay

but yes, you're right korben

it's seems really simple using stripe.js

I came here to make sure I was taking the right path instead of messing one of my first ecommerce projects

irongerman: You're off to a great start! Feel free to fire us a line anytime if you run into snags. You can also email us through our Support Form. https://support.stripe.com/email If it's a general question though, this is the place to do it. Then everyone can learn! :D

Great korben!!, I really appreciate your help. If I have another question then I'll come here and let you know