How to onboard sellers with Stripe Connect

1const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY);
2
3async function createSellerAccount(sellerData) {
4  const account = await stripe.accounts.create({
5    type: 'express',
6    country: sellerData.country,
7    email: sellerData.email,
8    capabilities: {
9      card_payments: { requested: true },
10      transfers: { requested: true },
11    },
12    business_type: 'individual',
13    individual: {
14      first_name: sellerData.firstName,
15      last_name: sellerData.lastName,
16      email: sellerData.email,
17    },
18    business_profile: {
19      url: sellerData.websiteUrl,
20      mcc: '5734', // Computer software stores
21    },
22    metadata: {
23      platform_user_id: sellerData.userId,
24    },
25  });
26  return account;
27}

1async function checkOnboardingStatus(accountId) {
2  const account = await stripe.accounts.retrieve(accountId);
3
4  const status = {
5    chargesEnabled: account.charges_enabled,
6    payoutsEnabled: account.payouts_enabled,
7    currentlyDue: account.requirements.currently_due,
8    eventuallyDue: account.requirements.eventually_due,
9    pastDue: account.requirements.past_due,
10    currentDeadline: account.requirements.current_deadline,
11    errors: account.requirements.errors,
12  };
13
14  if (status.currentlyDue.length === 0 && status.chargesEnabled) {
15    status.phase = 'complete';
16  } else if (status.pastDue.length > 0) {
17    status.phase = 'restricted'; // Action needed urgently
18  } else if (status.currentlyDue.length > 0) {
19    status.phase = 'in_progress';
20  }
21
22  return status;
23}

1async function checkDeadlines(accountId) {
2  const account = await stripe.accounts.retrieve(accountId);
3  const deadline = account.requirements.current_deadline;
4
5  if (deadline) {
6    const deadlineDate = new Date(deadline * 1000);
7    const daysLeft = Math.ceil((deadlineDate - Date.now()) / (1000 * 60 * 60 * 24));
8
9    console.log(`Deadline: ${deadlineDate.toISOString()}`);
10    console.log(`Days remaining: ${daysLeft}`);
11    console.log('Requirements due:', account.requirements.currently_due);
12
13    if (daysLeft <= 7) {
14      // Send urgent reminder to seller
15      console.log('URGENT: Send reminder to seller!');
16    }
17  } else {
18    console.log('No active deadline.');
19  }
20}

1async function handleVerificationFailure(accountId) {
2  const account = await stripe.accounts.retrieve(accountId);
3  const errors = account.requirements.errors;
4
5  if (errors && errors.length > 0) {
6    errors.forEach((error) => {
7      console.log(`Requirement: ${error.requirement}`);
8      console.log(`Reason: ${error.reason}`);
9      console.log(`Code: ${error.code}`);
10    });
11
12    // Generate a new onboarding link for the seller to fix issues
13    const accountLink = await stripe.accountLinks.create({
14      account: accountId,
15      refresh_url: `https://yourplatform.com/onboarding/refresh?acct=${accountId}`,
16      return_url: `https://yourplatform.com/onboarding/complete?acct=${accountId}`,
17      type: 'account_onboarding',
18    });
19
20    return { errors, fixUrl: accountLink.url };
21  }
22
23  return { errors: [], fixUrl: null };
24}

1const express = require('express');
2const app = express();
3
4app.post('/webhook', express.raw({ type: 'application/json' }), async (req, res) => {
5  const sig = req.headers['stripe-signature'];
6  let event;
7  try {
8    event = stripe.webhooks.constructEvent(
9      req.body,
10      sig,
11      process.env.STRIPE_WEBHOOK_SECRET
12    );
13  } catch (err) {
14    return res.status(400).send(`Webhook Error: ${err.message}`);
15  }
16
17  if (event.type === 'account.updated') {
18    const account = event.data.object;
19    const accountId = account.id;
20
21    if (account.charges_enabled && account.payouts_enabled) {
22      console.log(`${accountId}: Fully onboarded`);
23      // Update DB, notify seller
24    } else if (account.requirements.past_due.length > 0) {
25      console.log(`${accountId}: Has overdue requirements`);
26      // Send urgent notification
27    } else if (account.requirements.errors.length > 0) {
28      console.log(`${accountId}: Verification failed`);
29      // Notify seller to resubmit
30    }
31  }
32
33  res.json({ received: true });
34});