Three Connect integration types
- Standard: sub-merchants have their own Stripe accounts. Platform charges fees on top. Simplest for marketplaces.
- Express: Stripe-hosted onboarding and dashboard. Platform handles less compliance. Best for on-demand and gig economy.
- Custom: full white-label. Platform handles all compliance, KYC, payments. Most complex but most control.
When to use each
- Marketplace selling physical or digital products from many sellers: Standard or Express
- On-demand services (Uber-style): Express
- SaaS with per-customer billing routing: Standard
- Full white-label financial product: Custom (requires Stripe Treasury or similar)
Non-resident considerations
- Your LLC is the platform; sub-merchants are independent
- Each sub-merchant must complete its own Stripe verification
- Tax: your platform fees are LLC revenue; sub-merchants handle their own tax
- Marketplace facilitator laws may apply (some states require platform to collect/remit sales tax for sub-merchants)