Stripe Connect Integration & Marketplace Payouts

What Stripe Connect solves

If your platform takes money from one party and pays another — a marketplace, a booking platform, an on-demand service, a multi-vendor store — you need Stripe Connect. It handles seller onboarding and identity verification, moves money between parties, takes your platform fee, and manages payouts and compliance. The API is powerful but the design decisions are consequential, and mistakes surface as reconciliation nightmares and stuck payouts months later.

What I build

• Connected-account onboarding — Express or Custom flows with identity verification and the right capabilities enabled per account.
• Charge architecture — destination charges, separate charges and transfers, or direct charges, chosen for your fee model and liability needs.
• Split payouts & platform fees — application fees and transfers that add up to the cent, with payout scheduling.
• Webhook-driven reconciliation — Stripe as the source of truth for money, your database kept in sync idempotently.
• Refunds, disputes & edge cases — partial refunds, reversed transfers, failed payouts, and account restrictions handled deliberately.

Why get a specialist

Connect touches money, identity, and compliance at once. The failure modes are quiet: a webhook you didn't handle, a non-idempotent handler that double-transfers, a charge type that puts liability in the wrong place. Getting it right the first time is far cheaper than unwinding a payout mess in production. This is exactly the kind of work I production-harden.

Stripe is the system of record for money. Your database is the system of record for state. Webhooks keep them in sync. Get that boundary right and Connect becomes reliable instead of scary.

Proof in production

I built Dryva, an on-demand courier and ride-hailing marketplace with online payments — a real multi-party payment flow serving customers across Jamaica. For the technical detail on doing Stripe right on the App Router, see my posts on Stripe subscriptions and production-hardening webhooks.