stripe

Stripe Connect destination charges automatically route payments to photographers while collecting a platform fee. Set up destination charges on checkout sessions with commission splits (like 50/50), configure transfer_data.destination to the photographer's connected account, and specify application_fee_amount for the platform's cut.

Webhook idempotency prevents duplicate charges when payment events fire multiple times. Store webhook event IDs in your database and check for existing records before processing commissions, ensuring each payment triggers only one commission split regardless of repeated webhook calls.

Stripe Connect onboarding integrates photographer identity verification and bank account setup directly into your platform. Use Connect onboarding flows to collect tax information and routing details, then route destination charges to verified photographer accounts for automatic payouts.

Dunning and failed payment handling automatically retries failed charges and notifies users. Configure retry logic in webhook handlers to catch payment failures, process refunds atomically, and trigger notifications so photographers and the platform stay informed of commission impact.

Yes. Destination charges work with platform subscriptions ($22/month recurring) and one-time photo gallery sales. Configure both checkout sessions and subscription billing to apply destination charges and commission splits consistently across all payment types.

The application_fee_amount directly determines how much the platform retains from each transaction. Incorrect calculations create uneven 50/50 splits and revenue misalignment; verify the fee calculation logic in webhook handlers and checkout sessions matches your intended commission percentage.