How to create an Express account with Stripe Connect

1const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY);
2
3async function createExpressAccount(email, country) {
4  const account = await stripe.accounts.create({
5    type: 'express',
6    country: country || 'US',
7    email: email,
8    capabilities: {
9      card_payments: { requested: true },
10      transfers: { requested: true },
11    },
12    business_type: 'individual',
13    metadata: {
14      platform_user_id: 'user_123', // Link to your internal user
15    },
16  });
17  console.log('Account created:', account.id);
18  return account;
19}
20
21createExpressAccount('seller@example.com', 'US');

1async function createAccountLink(accountId) {
2  const accountLink = await stripe.accountLinks.create({
3    account: accountId,
4    refresh_url: 'https://yourplatform.com/onboarding/refresh',
5    return_url: 'https://yourplatform.com/onboarding/complete',
6    type: 'account_onboarding',
7  });
8  console.log('Redirect seller to:', accountLink.url);
9  return accountLink;
10}
11
12createAccountLink('acct_1N...');

1const express = require('express');
2const app = express();
3
4app.get('/onboarding/complete', async (req, res) => {
5  const accountId = req.query.account_id; // You'd store this in session
6  const account = await stripe.accounts.retrieve(accountId);
7
8  if (account.charges_enabled && account.payouts_enabled) {
9    res.send('Onboarding complete! You can now accept payments.');
10  } else {
11    // Seller left early or requirements still pending
12    const link = await stripe.accountLinks.create({
13      account: accountId,
14      refresh_url: 'https://yourplatform.com/onboarding/refresh',
15      return_url: 'https://yourplatform.com/onboarding/complete',
16      type: 'account_onboarding',
17    });
18    res.redirect(link.url);
19  }
20});
21
22app.get('/onboarding/refresh', async (req, res) => {
23  // Account Link expired, generate a new one
24  const accountId = req.query.account_id;
25  const link = await stripe.accountLinks.create({
26    account: accountId,
27    refresh_url: 'https://yourplatform.com/onboarding/refresh',
28    return_url: 'https://yourplatform.com/onboarding/complete',
29    type: 'account_onboarding',
30  });
31  res.redirect(link.url);
32});

1app.post('/webhook', express.raw({ type: 'application/json' }), (req, res) => {
2  const sig = req.headers['stripe-signature'];
3  let event;
4  try {
5    event = stripe.webhooks.constructEvent(
6      req.body,
7      sig,
8      process.env.STRIPE_WEBHOOK_SECRET
9    );
10  } catch (err) {
11    return res.status(400).send(`Webhook Error: ${err.message}`);
12  }
13
14  if (event.type === 'account.updated') {
15    const account = event.data.object;
16    if (account.charges_enabled && account.payouts_enabled) {
17      console.log(`Account ${account.id} fully onboarded!`);
18      // Update your database: mark seller as active
19    }
20  }
21
22  res.json({ received: true });
23});