# Stripe bundle (PSP) - Business rules

* [Why](#id-1.14.x-stripebundle-psp-businessrules-why)
* [For which services](#id-1.14.x-stripebundle-psp-businessrules-forwhichservices)
* [Interfaces](#id-1.14.x-stripebundle-psp-businessrules-interfaces)
* [Configurations](#id-1.14.x-stripebundle-psp-businessrules-configurations)
* [Workflows](#id-1.14.x-stripebundle-psp-businessrules-workflows)
  * [Workflows of Stripe’s identity verification of users](#id-1.14.x-stripebundle-psp-businessrules-workflowsofstripesidentityverificationofusers)
  * [User registration and profile identity edition](#id-1.14.x-stripebundle-psp-businessrules-userregistrationandprofileidentityedition)
  * [User profile bank account edition](#id-1.14.x-stripebundle-psp-businessrules-userprofilebankaccountedition)
  * [Listing deposit](#id-1.14.x-stripebundle-psp-businessrules-listingdeposit)
  * [Booking check](#id-1.14.x-stripebundle-psp-businessrules-bookingcheck)
  * [Booking confirmation](#id-1.14.x-stripebundle-psp-businessrules-bookingconfirmation)
  * [Booking cancellation](#id-1.14.x-stripebundle-psp-businessrules-bookingcancellation)
  * [Booking acceptation](#id-1.14.x-stripebundle-psp-businessrules-bookingacceptation)
  * [Booking validation](#id-1.14.x-stripebundle-psp-businessrules-bookingvalidation)
  * [Booking bank wire check](#id-1.14.x-stripebundle-psp-businessrules-bookingbankwirecheck)
  * [Escrow management](#id-1.14.x-stripebundle-psp-businessrules-escrowmanagement.1)
* [Special rules](#id-1.14.x-stripebundle-psp-businessrules-specialrules)
  * [Stripe fees for admins](#id-1.14.x-stripebundle-psp-businessrules-stripefeesforadmins)
  * [Stripe KYC/KYB process](#id-1.14.x-stripebundle-psp-businessrules-stripekyc-kybprocess)
  * [Escrow management](#id-1.14.x-stripebundle-psp-businessrules-escrowmanagement.1)

## Why <a href="#id-1.14.x-stripebundle-psp-businessrules-why" id="id-1.14.x-stripebundle-psp-businessrules-why"></a>

Stripe is a payment service provider. Its services allow users to pay on the platform and administrators to handle payouts.

Learn more about the PSP available in Second: [Payment Service Provider Feature (PSP) - Business rules](/v2.0/core-concepts/payment-service-provider-features-psp.md)

Stripe is the default PSP enabled.

## For which services <a href="#id-1.14.x-stripebundle-psp-businessrules-forwhichservices" id="id-1.14.x-stripebundle-psp-businessrules-forwhichservices"></a>

For all services

## Interfaces <a href="#id-1.14.x-stripebundle-psp-businessrules-interfaces" id="id-1.14.x-stripebundle-psp-businessrules-interfaces"></a>

Please, find all interface documentation related to the Stripe bundle, here:

**SBO:**

* [Payments management - Update Payout](https://features.scnd.com/v2.0/core-concepts/payment-service-provider-features-psp/pages/f4BP2kjmalKP7ku8QLQZ#id-1.16.x-paymentsmanagement-updateapayout)

**Front:**

* [Booking request (Time-Based rendering type) - The Payment Page](https://features.scnd.com/v2.0/core-concepts/payment-service-provider-features-psp/pages/3bP6YxaTQN5ifjMtV3pS#id-1.16.x-bookingrequest-basicsolution-thepaymentpage)

## Configurations <a href="#id-1.14.x-stripebundle-psp-businessrules-configurations" id="id-1.14.x-stripebundle-psp-businessrules-configurations"></a>

SBO > Other > Feature > Stripe

## Workflows <a href="#id-1.14.x-stripebundle-psp-businessrules-workflows" id="id-1.14.x-stripebundle-psp-businessrules-workflows"></a>

### Workflows of Stripe’s identity verification of users <a href="#id-1.14.x-stripebundle-psp-businessrules-workflowsofstripesidentityverificationofusers" id="id-1.14.x-stripebundle-psp-businessrules-workflowsofstripesidentityverificationofusers"></a>

Workflow of Stripe’s identity verification for users registered in France

<figure><img src="/files/78DkwWg9lnZKqx1eKVBL" alt=""><figcaption></figcaption></figure>

Workflow of Stripe’s identity verification for users registered in the US

<figure><img src="/files/zyPvba8LQaDXWElYwYdH" alt=""><figcaption></figcaption></figure>

### User registration and profile identity edition <a href="#id-1.14.x-stripebundle-psp-businessrules-userregistrationandprofileidentityedition" id="id-1.14.x-stripebundle-psp-businessrules-userregistrationandprofileidentityedition"></a>

<figure><img src="/files/ymPI1YxaSZmePSIuWGcC" alt=""><figcaption></figcaption></figure>

### User profile bank account edition <a href="#id-1.14.x-stripebundle-psp-businessrules-userprofilebankaccountedition" id="id-1.14.x-stripebundle-psp-businessrules-userprofilebankaccountedition"></a>

<figure><img src="/files/aA7fh2YuS8pEHTjPiuEi" alt=""><figcaption></figcaption></figure>

### Listing deposit <a href="#id-1.14.x-stripebundle-psp-businessrules-listingdeposit" id="id-1.14.x-stripebundle-psp-businessrules-listingdeposit"></a>

<figure><img src="/files/vFxhNDnFwsW7yjhZyC9M" alt=""><figcaption></figcaption></figure>

### Booking check <a href="#id-1.14.x-stripebundle-psp-businessrules-bookingcheck" id="id-1.14.x-stripebundle-psp-businessrules-bookingcheck"></a>

<figure><img src="/files/MuGUIdOb01DuFU3acmba" alt=""><figcaption></figcaption></figure>

### Booking confirmation <a href="#id-1.14.x-stripebundle-psp-businessrules-bookingconfirmation" id="id-1.14.x-stripebundle-psp-businessrules-bookingconfirmation"></a>

<figure><img src="/files/iR8ywZJvuqrPKANgHExh" alt=""><figcaption></figcaption></figure>

### Booking cancellation <a href="#id-1.14.x-stripebundle-psp-businessrules-bookingcancellation" id="id-1.14.x-stripebundle-psp-businessrules-bookingcancellation"></a>

<figure><img src="/files/jWoBcD8q3LaFCddjjrEG" alt=""><figcaption></figcaption></figure>

### Booking acceptation <a href="#id-1.14.x-stripebundle-psp-businessrules-bookingacceptation" id="id-1.14.x-stripebundle-psp-businessrules-bookingacceptation"></a>

<figure><img src="/files/ji1xOvVKGDbnMk1EnXIl" alt=""><figcaption></figcaption></figure>

### Booking validation <a href="#id-1.14.x-stripebundle-psp-businessrules-bookingvalidation" id="id-1.14.x-stripebundle-psp-businessrules-bookingvalidation"></a>

<figure><img src="/files/z4y3OroPzZWnPheoaYix" alt=""><figcaption></figcaption></figure>

### Booking bank wire check <a href="#id-1.14.x-stripebundle-psp-businessrules-bookingbankwirecheck" id="id-1.14.x-stripebundle-psp-businessrules-bookingbankwirecheck"></a>

<figure><img src="/files/UahdctlwvqMl5xwdMfmj" alt=""><figcaption></figcaption></figure>

### Escrow management <a href="#id-1.14.x-stripebundle-psp-businessrules-escrowmanagement" id="id-1.14.x-stripebundle-psp-businessrules-escrowmanagement"></a>

<figure><img src="/files/nFxOsqm9G3bwv00W3ifM" alt=""><figcaption></figcaption></figure>

## Stripe Payment Methods <a href="#id-1.14.x-stripebundle-psp-businessrules-specialrules" id="id-1.14.x-stripebundle-psp-businessrules-specialrules"></a>

### Direct Debit Payment

The direct debit payment option is available only when Stripe is selected as the payment service provider and when the booking start date is at least 14 days after the current date. Administrators need to manage this payment method through the SBO by modifying the **"Payment Methods"** Configuration.

<figure><img src="/files/Y9lleoowFZcml8a9eOAA" alt=""><figcaption></figcaption></figure>

For direct debit payments, the account holder's name, email address, and either the IBAN or bank account number are required.

<figure><img src="/files/QptV0xd0bplyeQ9467WB" alt=""><figcaption></figcaption></figure>

When a customer selects Direct Debit as the payment method and click o "Pay", the booking request status is set to **"Pending"** until it is accepted by the vendor. Once the vendor accepts the request, the booking status temporarily changes to **"Waiting for Payment"**. This brief period allows Stripe to process the payment transaction and send a confirmation to the platform. Upon receiving the confirmation, the status updates to **"Paid"**. At this point, a mandate is issued, notifying the customer of the direct debit on their account.

<figure><img src="/files/hWoUPdPW8erPwZRZJCJM" alt=""><figcaption></figcaption></figure>

If there are no issues with the payment transaction, the booking status will be updated to "Paid."

<figure><img src="/files/S9OM95t4xsXsGahHFICo" alt=""><figcaption></figcaption></figure>

{% hint style="info" %} <mark style="color:blue;">For direct debit payments, the payout may take up to 14 business days to become available. If the admin attempts to process the payment before this time, an error modal will be displayed.</mark>
{% endhint %}

#### <mark style="color:blue;">Payment Error (Direct Debit)</mark>

If there is an error in the payment during a direct debit transaction, the booking status will be updated to "Status: Payment declined" when the vendor attempts to accept the booking.&#x20;

<figure><img src="/files/LuyUu0FcytwtgfTgn9rM" alt=""><figcaption></figcaption></figure>

In this scenario, the customer is required to create a new booking request.

### **Credit card payment**

If the administrator activates credit card payments for Stripe on SCND, users will have the ability to complete bookings using a valid credit card. The credit card payment option will be presented after the checkout overview.

<figure><img src="/files/v0E4wh9wdP5wicjYlNXq" alt=""><figcaption><p>Figure 11.1</p></figcaption></figure>

The user then enters his payment information (figure 11.2):

* credit card number
* expiration date
* CVC

<figure><img src="/files/xnsaAVo5RXEBLRy9ehOj" alt=""><figcaption><p>Figure 11.2</p></figcaption></figure>

{% hint style="info" %} <mark style="color:blue;">The credit card payment is done before the service is provided. However, the amount will not be debited until the offeror has accepted the booking request. The payment to the offeror is done once the service has been completed.</mark>
{% endhint %}

Once the credit card payment is successfully processed, the system redirects the user to the booking page, where the booking status is set to "Pending." Upon vendor approval, the status automatically updates to "Paid." If a payment error occurs, the booking request is not completed, and the customer must resubmit the booking request and payment.

## Special rules <a href="#id-1.14.x-stripebundle-psp-businessrules-specialrules" id="id-1.14.x-stripebundle-psp-businessrules-specialrules"></a>

### Stripe fees for admins <a href="#id-1.14.x-stripebundle-psp-businessrules-stripefeesforadmins" id="id-1.14.x-stripebundle-psp-businessrules-stripefeesforadmins"></a>

These fees are applied to all the payment transactions made on the platform.

* For european cards: 1,4 % + 0,25 €
* For non-european cards: 2,9 % + 0,25 €

### Stripe KYC/KYB process <a href="#id-1.14.x-stripebundle-psp-businessrules-stripekyc-kybprocess" id="id-1.14.x-stripebundle-psp-businessrules-stripekyc-kybprocess"></a>

The validation process is partially managed by Stripe.

Once the user has filled in identity information: [**Identity** ](https://features.scnd.com/v2.0/core-concepts/payment-service-provider-features-psp/pages/A4Nlu2Yzkxq6RacrBUEz#id-1.14.x-userprofiledashboard-allbundles-identity), by clicking the button save, he will be redirected to a dedicated Stripe page that automatically manages the list of information that will be requested from the user.

The user will have:

{% hint style="warning" %}
This screenshot has been taken in a test mode, the front can be changed a bit in production.
{% endhint %}

* To verify his ID by taking a picture (figure 1)

![](/files/qiOyAqdc8sMJNBfn71JF)

* Certify his address (figure 2)

![](/files/CTWTAFtB8CTdm77y3xsm)

* Summary of his data (figure 3), once the user clicks the button “done”, he will be back on the platform.

![](/files/3z5xT8rtWXVfUABODAit)

{% hint style="warning" %}
Once the user is KYC/KYB validated he can no longer edit the following information:

* First name
* Last name
* Birthdate&#x20;
  {% endhint %}

### Escrow management <a href="#id-1.14.x-stripebundle-psp-businessrules-escrowmanagement.1" id="id-1.14.x-stripebundle-psp-businessrules-escrowmanagement.1"></a>

Stripe offers a workflow dedicated to the marketplace.

However, this workflow does not work for all countries that Stripe offers.

Second has integrated a workflow that allows the user to achieve the same result while working on all the countries that Stripe allows.

This workflow will revolve around the offeror's wallet, see: <https://second-documentation.atlassian.net/wiki/spaces/SCNDFD/pages/6943049240#Escrow-management>

* During a pay-in, Stripe will transfer the total amount of the booking minus the fees to the wallet of the offeror.
* Stripe collects these fees at that time and Stripe's fees just like other PSPs are based on the total amount of a pay-in.
* This money will remain in escrow until the payout is made by the super administrator from the SBO.
* Stripe will send the money to the offeror’s bank account and notify the platform in case of success or failure.
* At the same time, the platform's fees will be available on the platform’s wallet.

Just like other PSPs, when a cancellation is made with a refund, it is automatic since the payment is by card.


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