System design EXPERTS please help.

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nlpo04

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nlpo04
4d 14 Comments

I’m building an app for business owners. How do I implement the app so that customers can use my app to pay the business owner directly?

So far, I know that online payment can be setup for a business using eg. Stripe. But I can only do that as the business owner.

I’m sure it’s a solved problem. For example, I think Uber Eats doesn’t take money from customers then give it to the restaurants, but the money is going directly into the restaurants account from the customers. I could be wrong here.

Do I need the business owner to setup their own online payment accounts (eg. Stripe account)? Or do I set it up for them as an onboarding step?

TC: 340K

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TOP 14 Comments
  • New / Product
    hisoka01

    New Product

    hisoka01
    Okay, I work at a startup that solves this exact problem. We have our customers - small business owners and they use our product to get paid by THEIR customers (we call them end users).

    Our product simply creates a portal for the end users to pay the business owners. End users can add a card, pay, and the business owner gets the funds directly. Money doesn't go through us.

    To enable this, every customer (business owner) must fill out a stripe application when signing up with us (we have embedded the stripe application into our product). It usually takes under an hour to complete. After that I guess we store key details of the business owners stripe accounts to enable the above functionality.

    I'm not an engineer so not too sure on the low level details but that's basically how we solve that problem.
    4d 3
    • New / Product
      hisoka01

      New Product

      hisoka01
      Yes. I agree and it's a tough problem to get around, but I would still look around some more to see if there's a better way than we do it. :)

      Re onboarding, we make the stripe application skippable and you can start it at anytime from within the product when you're ready. Until then certain features are blocked.
      4d
    • Snap
      nlpo04

      Go to company page Snap

      nlpo04
      OP
      That’s a good idea. I was thinking the same thing.
      4d
  • Stripe
    loopt

    Go to company page Stripe

    loopt
    ^ As mentioned above, Stripe Connect is probably what you are looking for
    4d 2
  • Uber
    rWeq13

    Go to company page Uber

    rWeq13
    Check out Stripe Connect

    (also, just for reference, Uber Eats does take the money and then pay out restaurants, courier, themselves, etc)
    4d 1
  • New
    Sanders99

    New

    BIO
    I need a referral!! [EM1 positions in backend/data/software]
    Sanders99
    Or setup your app and checkout process to use a normal and established processor.
    4d 2
    • Snap
      nlpo04

      Go to company page Snap

      nlpo04
      OP
      Sorry I think that’s my original question. How exactly do I do that? Does Stripe (or others) already have a way to do that so business owners don’t have to do anything (except for example giving us their business bank account info), but only my app doing the work?
      4d
    • New
      Sanders99

      New

      BIO
      I need a referral!! [EM1 positions in backend/data/software]
      Sanders99
      Yeah they have apis you can add to your app to where it's practically plug and play
      4d
  • New
    kubectl_

    New

    kubectl_
    Not an expert but setting up an account for payments seems like there’d be sensitive information involved, best for the business owner to give out
    4d 1
    • Snap
      nlpo04

      Go to company page Snap

      nlpo04
      OP
      So, are you suggesting to have the business owner set up their online payment themselves (we can help them as customer support) and my app can use their provided online payment account info to route money directly to their account? There’s no other way to route the money from credit card directly to their business bank account?
      4d