Stripe Connect API

Stripe Connect is multi-merchant payments for marketplace / SaaS platforms — create per-merchant subaccounts, auto-split, compliance KYC, bank transfers.

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Use it when

Deep Stripe ecosystem integration (manage normal payments + Connect split in one account)

Watch for

Connect fees additional to Stripe standard rates

First check

Enable Connect in Stripe Dashboard. POST /v1/accounts to create connected account → Onboarding link for merchant KYC completion → Use application_fee_amount when charging to take fee.

Auth

api_key

CORS

HTTPS

Yes

Signup

Latency

304 ms

Protocol

REST

Pricing

paid

Uptime · 30-day window

Probes: 1Uptime: 100%Avg latency: 304ms

About this API

Stripe Connect is Stripe's product designed for marketplace / platform businesses. Core scenario: you built an Etsy-style marketplace; buyers pay your site; you need to split money to specific sellers — not by first collecting everything into your account then wire-transferring to sellers (regulatory complexity, money transmitter licensing requirements), but by letting Stripe handle "agent collection" (money goes directly to corresponding connected account; you only take application fee as platform commission). Three account types: Standard (sellers have own Stripe dashboard, flexible but complex onboarding), Express (most common, Stripe provides simplified onboarding UI), Custom (you design onboarding but bear more compliance responsibility). Direct competitors: Adyen for Platforms, PayPal Marketplaces. Stripe Connect leads on developer experience.

What you can build

1Marketplaces (Etsy model: buyer pays, money split to sellers)
2SaaS platforms (your customers use your product to collect from their users)
3Ride-hail apps settling drivers
4Gig economy platforms

Strengths & limitations

Strengths

Deep Stripe ecosystem integration (manage normal payments + Connect split in one account)
Auto KYC/KYB (compliance burden shifts to Stripe)
Payouts support local clearing rails

Limitations

Connect fees additional to Stripe standard rates
Full Connect onboarding is complex (each merchant needs full KYC)
Some countries don't support platform models legally

Example request

Generic template — replace <endpoint> with the real path from the docs.

curl https://stripe.com/connect/<endpoint> \
  -H "Authorization: Bearer $API_KEY"
# Some providers use X-Api-Key instead — verify in the docs.

Getting started

Enable Connect in Stripe Dashboard. POST /v1/accounts to create connected account → Onboarding link for merchant KYC completion → Use application_fee_amount when charging to take fee.

FAQ

Express or Custom?+

90% of projects use Express (simplest). Custom suits "I want full UI control" big customers but compliance responsibility doubles.

How is application_fee collected?+

Pass application_fee_amount (cents) when creating a charge — Stripe auto-deducts from payment to your platform account.

Technical details

CORS: ?HTTPS: YesSignup: ?Open source: No

Auth type: api_key
Pricing: paid
Rate limit: 100 req/秒（标准）
Protocols: REST
SDKs: python, javascript, typescript, php, ruby, java, go, csharp
Response time: 304 ms
Last health check: 5/12/2026, 7:38:28 AM