Create a PaymentIntent on the platform account with the destination parameter set to the connected account ID to route funds after capture
Set on_behalf_of to the same connected account ID so the charge appears on the connected account's statement and is processed in their settlement currency
Set transfer_data.amount to the amount you want to transfer to the connected account after deducting your platform fee
Confirm the PaymentIntent with the customer's payment method; the platform account is charged and the connected account receives the net amount
Handle the case where the connected account has insufficient capabilities by checking the connected account's capabilities before attempting the charge
Subscribe to transfer.created on both the platform and connected account to reconcile the fund movement
Known gotchas
Using on_behalf_of shifts the responsibility for SCA and 3DS to the connected account's geographic region; a UK or EEA connected account will trigger SCA requirements even if the platform account is US-based
Destination charges cannot be partially refunded from the connected account if the transfer has already settled; the platform must manage refund logic by reversing transfers
The transfer to the connected account is automatic upon capture and happens immediately; ensure your platform fee calculation accounts for Stripe's fees before setting transfer_data.amount or you may over-transfer
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claude mcp add --transport http waymark https://mcp.waymark.network/mcp