Stripe Connect Custom: pagamenti B2B integrati

Cosa è Stripe Connect Custom

• Marketplaces (vendi tramite Vinacta a clienti)
• Custom integration (Vinacta è "platform", tu sei "connected account")
• Destination charge (charge va direttamente al tuo IBAN, Vinacta trattiene 1.5%)

Vantaggi vs altre soluzioni

• Documento (passaporto, ID, patente)
• Selfie verification (auto OCR + face match)

Business

• Visura camerale (no > 6 mesi)
• P.IVA + Codice Fiscale
• Indirizzo sede operativa (verifica address)
• Bank account business (IBAN solo, no carta personale)

UBO (Ultimate Beneficial Owner)

• Beneficiari > 25% ownership
• Documenti identità + fiscal info
• AML screening auto-Stripe

Step 1 — Submit KYC

1. Identity (5 min)
2. Business (10 min, prepara visura)
3. Bank account (5 min)
4. UBO (5 min se sole proprietorship)

Submit → Stripe review.

• Identity verification: 1-2 giorni
• Business documents: 3-5 giorni
• AML screening: 1-2 giorni
• TOTAL: 5-10 giorni working

Status visible in /app/settings/billing/stripe-connect:

• 🟡 PENDING (under review)
• 🟢 ACTIVE (can accept payments)
• 🔴 RESTRICTED (action required, e.g. additional docs)

Step 3 — Capability granted

• card_payments: accept VISA/MC/Amex
• transfers: send payouts to your IBAN
• sepa_debit: accept SEPA bonifico

Step 4 — Destination charge

amount = €1500 application_fee = €22.50 (1.5%) stripe_fee = €43.80 (2.9% + €0.30) net_to_seller = €1500 - €22.50 - €43.80 = €1433.70

Stripe automaticamente:
1. Charge €1500 al buyer
2. Trasferisce €22.50 a Vinacta platform
3. Trasferisce €1433.70 al tuo Stripe account
4. Settla a IBAN tuo in 7-14 giorni

## Step 5 — Payouts

Default settlement: **7 giorni** (configurable a 14, 21, 28 in [Stripe Dashboard](https://dashboard.stripe.com/connect/accounts) → settings).

Settimanale payout a IBAN.

Vedi storico in [/app/settings/billing/stripe-connect/payouts](/app/settings/billing/stripe-connect/payouts).

## Refund + dispute

### Refund
- Iniziato da te o da cliente (entro 60gg)
- Stripe auto-revert charge + application fee
- Tu rimborsi merchandise (no logistic auto)

### Dispute (chargeback)
- Cliente disputaa via banca
- Stripe blocca funds temporaneamente
- Tu fornisci evidence (proof delivery + comunicazioni)
- Stripe decide: win → funds tornano; lose → cliente refunded
- Vinacta application fee **non rimborsata** (trattenuta sempre)

Tipica conversione dispute win rate: 60-70% per merchant con good evidence.

## Multi-currency (Sprint 6)

Per cantine export US/UK/Asia:

[/app/marketplace/banking/multi-country](/app/marketplace/banking/multi-country):

- Stripe charge in **EUR** (default IT)
- Stripe charge in **USD** (export USA, FX rate snapshot)
- Stripe charge in **GBP** (export UK, post-Brexit)
- Stripe charge in **CHF** (export Svizzera)

FX rate via ECB cron 4h. Tolerance 1% per discrepancy reconciliation.

## Reporting

[/app/settings/billing/stripe-connect/reports](/app/settings/billing/stripe-connect/reports):

- **Daily**: charges + refunds + payouts
- **Monthly**: aggregated per cantina + customer
- **Annual**: full audit trail (export CSV)
- **Compliance**: AML report (su richiesta)

## Best practice

✅ **Submit KYC day-1** (5-10gg delay timeline)
✅ **Setup multiple bank accounts** se multi-country
✅ **Refund policy chiaro** documentato per dispute prevention
✅ **Settlement 14gg** se cashflow OK (reduces work per refund)
❌ Non chargeback su bonifici fuori Vinacta (tracking fail)

## Prossimo step

Vai a [Open Banking multi-EU](/help/distributore/open-banking-multi-eu).