How to test Stripe Connect connected account creations

Question

I want to use Stripe Connect to provide multiparty payments, in my website.

I have a platform. User A (customer) will pay User B (which is the service provider) on the platform and as a platform, I want to get some amount percentage in the middle.

So, I'm following this guide https://stripe.com/docs/connect/collect-then-transfer-guide

But, when it comes to testing creating those standard connected accounts, I need to fill real information like phones and emails.

However, I found this guide to fullfill my problem: https://stripe.com/docs/connect/testing#using-oauth

But, I'm not sure how can I use this guide? How can I create a stripe account for my user B (who will accept payment through my platform) and got that account_id in testing (and later production)?

Answer 1

There are multiple points to clear:

1. There are Standard, Express and Custom account types. There are also 3 fund flows of Direct Charge, Destination Charge, or Separate Charges and Transfers. See comparison from Stripe Doc (this is important)
2. If you decide to use Standard Account, you should go with Direct Charges
3. There are 2 ways to onboard a Standard Account. OAuth is a legacy integration. Account Link is preferable.
4. But really, Express + Destination Charge would be easier. You should also use Account Link to create express accounts