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?
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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.
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.
(also, just for reference, Uber Eats does take the money and then pay out restaurants, courier, themselves, etc)