Stripe Connect & Terminal development
Marketplaces, in-person payments and Tap to Pay on Stripe, with the fees, refunds and reconciliation done properly.
63Digital builds on Stripe Connect and Terminal: multi-tenant platforms that onboard merchants, take payments on terminals, Tap to Pay on iPhone, e-commerce and payment links, calculate and collect platform fees, and settle funds automatically. Our Paypolli platform runs destination charges across four channels and bills interchange back to merchants every 15 minutes.
What we do on Stripe
Connect marketplaces
Express onboarding, destination charges and application fees, with readiness tracked from Stripe's own webhooks.
In-person payments
Stripe Terminal readers and Tap to Pay on iPhone, from a React Native app on iOS and Android.
Fees & reconciliation
Fee calculation in integer pence, interchange recovered from merchants automatically, payouts reconciled.
Secure integration
A reverse proxy in front of the Stripe API so apps and plugins never hold your platform key.
Webhooks & refunds
Signature-checked, idempotent webhooks, and refunds that reverse the transfer but keep your fee.
How to, from jobs we've done
How to build a Stripe Connect marketplace in .NET
Let Stripe host merchant sign-up, and treat a merchant as ready only when Stripe confirms payments and payouts are both switched on with nothing outstanding. Your platform creates each payment, passes the merchant their share and keeps its fee as the money moves. Refunds come back out of the merchant's share, while your fee stays with you.
How to keep Stripe keys off mobile apps and plugins with a reverse proxy
Put a gateway between your apps and Stripe so the apps never hold your platform's Stripe secret key. Each app or plugin gets its own key that you can withdraw. The gateway works out which merchant it belongs to, adds the merchant's account and your fee on the server, and only passes on the Stripe requests you've approved.
How to recover Stripe interchange fees from connected accounts automatically
Stripe reports the card network costs behind every payment on your merchants' accounts. Import that report daily, count each fee once, and total what each merchant owes. Then collect it from their Stripe balance on a schedule, labelling each bill by merchant and period so that a retry can never bill anyone twice.
How to take payments with Tap to Pay on iPhone using Stripe Terminal
Tap to Pay turns a merchant's iPhone, or an NFC Android phone, into a contactless card reader through Stripe Terminal. Your app needs Apple's approval, each merchant needs their own Stripe location so payments land with the right business, and payments are created on your server with your fee. Most of the work is handling phones that can't tap.
Our work on Stripe
Fintech · Payments
Paypolli
A multi-tenant Stripe Connect platform that takes card payments across terminals, tap-to-pay, e-commerce and payment links — calculating fees, reclaiming interchange and settling funds automatically.
Events · Ticketing
Rebll Tickets
Rebll Tickets is a multi-tenant, white-label event-ticketing and commerce platform — a marketplace where any promoter can sell branded tickets, get paid to their own account, and run the door.
eCommerce · Gift cards
Gift Voucher Solutions
A multi-tenant platform that runs fully branded gift-voucher storefronts for hospitality and retail merchants — each with its own theme, its own payment gateway and both digital and posted vouchers.
Is Stripe right for you?
A good fit when
- ✓You're a platform taking payments on behalf of other businesses
- ✓You need in-person and online payments in one system
- ✓You need to take a fee, or recover processing costs, automatically
Probably not when
- –You only need a single shop checkout (a hosted checkout or your e-commerce platform's plugin will do)
Related: System integration, Bespoke platforms
Common questions
Destination charges or direct charges?
It depends who should be merchant of record. When your platform is, destination charges keep it in control: Paypolli runs them across four channels. When the seller must be, as with ticket promoters and voucher merchants, use direct charges on their account and take an application fee.
Which Stripe Connect account type should I use?
We've built on Express accounts: Stripe hosts onboarding and the merchant dashboard, while your platform controls charges and fees. It suits most platforms that don't want to build their own onboarding.
Can Stripe take payments on an iPhone without a card reader?
Yes. Tap to Pay on iPhone turns the phone into a contactless reader through Stripe Terminal. It needs Apple's Tap to Pay entitlement, and we've shipped it in a React Native app.
How do platform fees work on Stripe Connect?
You set an application fee on each payment. Stripe takes it as the funds move to the merchant, and refunds can reverse the merchant's transfer while leaving your fee in place.
Building on Stripe?
Tell us who pays whom and how you make money. We'll design the Connect set-up, the fees and the reconciliation with you.