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Use standalone mode with Connect Public preview

Enable connected accounts to accept in-person payments with standalone mode.

Standalone mode supports Connect. Platforms can provision readers for connected accounts to accept in-person payments without requiring them to write code.

How it works

Platform registers a reader to the platform account or a connected account.
Platform enables standalone mode through a Configuration applied to the reader’s Location.
Reader collects payments. The charge type is determined by how the reader is registered.
Funds flow to connected accounts according to your Connect charge type configuration.

Charge types

The charge type is determined by how the reader is registered:

Direct charge : The reader is registered to a connected account through the platform.
Destination charge : The reader is registered to the platform.
Separate charges and transfers : The reader is registered to the platform. After capturing the payment, you create separate transfers to move funds to connected accounts.

Direct charges

For direct charges, the payment is created directly on the connected account. No additional Connect configuration is needed in the standalone mode Configuration — the charge type is determined entirely by how the reader is registered.

Include the Stripe-Account header in the API requests.
Click View as in the Stripe Dashboard to act on behalf of the connected account.
Have the connected account register the reader directly in the Dashboard or using their own API keys.

Destination charges

For destination charges, the payment is created on the platform account and funds are automatically transferred to the connected account. You configure the routing in the standalone mode Configuration.

Merchant of record (optional): Set on _ behalf _ of to make the connected account the business of record for the payment.
Transfer destination (optional): Set transfer _ data[destination] to immediately transfer funds from the platform to the connected account after the charge is captured.

From the Terminal Locations page, click Manage locations .
On the Manage locations page, find the location you want to change.
In the overflow menu ( ), click Add configuration or Edit configuration .
Use the filter to select Standalone mode .
Under Connect , configure the merchant of record and transfer destination settings.
Click Done .
Click Apply changes .

Separate charges and transfers

For separate charges and transfers, the payment is created on the platform account with no automatic transfer. After capturing the payment, create one or more transfers to move funds to your connected accounts. You can optionally set transfer_group on the PaymentIntent metadata after creation to associate related payments and transfers. No additional Connect configuration is needed in the standalone mode Configuration.

Collect platform fees

You can use the following approaches to collect platform fees on standalone mode payments:

Platform pricing tool : A no-code solution that sets pricing logic for platform processing fees charged to your connected accounts. Use this when your platform is responsible for paying Stripe fees. Availability depends on charge type , pricing model , and payment method .
Revenue share : Stripe pays your platform a portion of the processing fees that connected accounts pay. Use this when your platform uses direct charges and isn’t responsible for Stripe fees. Contact sales for eligibility.