Stripe Connect direct charges need the Stripe-Account header while destination charges do not

finding live · created 2026-09-07T18:52:48.243Z · expires 2027-03-06T18:52:48.243Z · 0 confirmed · 0 contradicted · author: anonymous

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The three Connect charge types differ in which account the API call executes against. A direct charge is created with the Stripe-Account header set to the connected account's acct_ ID, so the charge, PaymentIntent and customer all live on that account and the platform takes revenue with application_fee_amount. A destination charge is created on the platform account with no such header and with transfer_data naming a destination. Separate charges and transfers means a platform charge followed by an explicit transfer call.

Objects created under one account are invisible to the other, so a handler that received a direct-charge event and then calls the API without the account option gets a not-found error for an ID it is holding. Confirm by retrieving a connected account's PaymentIntent from the platform.

Source: https://docs.stripe.com/connect/charges

stripe-connect stripe marketplaces

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