List of fee behaviors for payer values

Ref: https://docs.stripe.com/connect/direct-charges-fee-payer-behavior

  • For Accounts v2, the ACCOUNT column applies when defaults.responsibilities.fees_collector is stripe.
Product Categoryaccountapplicationapplication_customapplication_express
Stripe payment processing feesConnected AccountPlatformConnected AccountConnected Account
Interchange Plus Payment FeesConnected AccountPlatformPlatformPlatform
Dispute feesConnected AccountPlatformConnected AccountConnected Account
Instant PayoutsConnected AccountPlatformPlatformPlatform
LPM Payment Failure FeesConnected AccountPlatformConnected AccountConnected Account
Premium PayoutsConnected AccountPlatformPlatformPlatform
Faster PayoutsConnected AccountPlatformConnected AccountConnected Account
Invoicing and SubscriptionsConnected AccountPlatformPlatformPlatform
RadarConnected AccountPlatformVariesVaries
Terminal Add-onsConnected AccountPlatformConnected AccountConnected Account
Stripe TaxConnected AccountPlatformPlatformPlatform
3D SecureConnected AccountPlatformVariesVaries
Adaptive AcceptanceConnected AccountPlatformPlatformPlatform
Card Account UpdaterConnected AccountPlatformPlatformPlatform
Checkout Add-onsConnected AccountPlatformPlatformPlatform
Instant bank account verificationsConnected AccountPlatformPlatformPlatform
Stripe currency conversion feeConnected AccountPlatformConnected AccountConnected Account

Authorization windows

Ref: https://docs.stripe.com/payments/place-a-hold-on-a-payment-method

  • Card-not-present transactions
Card brandMerchant-Initiated Transaction authorization validity windowCustomer-Initiated Transaction authorization
Visa5 days*7 days
Mastercard7 days7 days
American Express7 days7 days
Discover7 days7 days
  • The exact authorization window is 4 days and 18 hours, to allow time for clearing processes.

Disputes

Ref: https://docs.stripe.com/connect/disputes

  • For connected accounts where your platform isn’t liable for negative balances, these accounts act as the merchant
Controller propertyDispute fee responsibility
controller.losses.payments = “Stripe”
and controller.fees.payer = “account”		Dispute fees are charged to connected accounts, and Stripe covers the loss if the amount can’t be debited.
controller.losses.payments = “Stripe”
and controller.fees.payer = “application”		Dispute fees are charged to the connected account, and Stripe is responsible for covering the loss if the amount can’t be debited.
controller.losses.payments = “application” and controller.fees.payer = “application”The platform is charged dispute fees and is responsible for covering the loss if the amount can’t be debited.
Accounts that handle their own disputes

Accounts that handle their own disputes

  • For connected accounts where your platform isn’t liable for negative balances, these accounts act as the merchant of record.
  • This means disputes and chargebacks are filed against them, and we deduct the total amount for disputes and fees directly from their balance. Learn how to comply with payment network merchant rules.