---
title: Stripe Connect onboarding to pay hosts - clearbnb - Part 13
slug: stripe-connect-onboarding-to-pay-hosts-clearbnb-part-13
published_at: 2021-12-24 02:00:06 +0000
updated_at: 2026-03-04 20:13:41 +0000
summary: 
description: Stripe Connect onboarding to pay hosts - clearbnb - Part 13 #rails #rubyonrails
tags: [cjav_dev, web development tutorials, web development for beginners, vim, ruby, rails, javascript, stripe connect, connect, connected account, express, stripe express onboarding, account link, checkout, stripe checkout]
views: 14507
author: CJ Avilla
url: https://www.cjav.dev/videos/stripe-connect-onboarding-to-pay-hosts-clearbnb-part-13
youtube_url: https://www.youtube.com/watch?v=UhDCZa2p5jE
youtube_id: UhDCZa2p5jE
embed_url: https://www.youtube.com/embed/UhDCZa2p5jE
thumbnail_url: https://i.ytimg.com/vi/UhDCZa2p5jE/hqdefault.jpg
type: video
---

# Stripe Connect onboarding to pay hosts - clearbnb - Part 13

*Published: December 24, 2021*
*Views: 14507*

## Watch

[Watch on YouTube](https://www.youtube.com/watch?v=UhDCZa2p5jE)

[![Stripe Connect onboarding to pay hosts - clearbnb - Part 13](https://i.ytimg.com/vi/UhDCZa2p5jE/hqdefault.jpg)](https://www.youtube.com/watch?v=UhDCZa2p5jE)

## Description

Stripe Connect onboarding to pay hosts - clearbnb - Part 13
#rails #rubyonrails

## Transcript

hey what's up welcome back this is part 13 of clearvnb we are going to set up stripe connect accounts for our hosts so they can be paid out when a guest comes and books and stays at their at their place for this clear bnb application so uh inside of stripe there is this this product called stripe connect stripe connect enables these multi-party payments um you can create connected accounts so a connected account is a type of stripe account that is managed by a platform account so you will sign up for stripe and you have your your account and then your account can set up like sub accounts basically and so we're going to go through this whole process of collecting payments and then paying out so we're already actually collecting payments with stripe checkout now we're going to use stripe connect to onboard these connected accounts and set them up so we've already got stripe set up and now we need to create the connected account so this is going to be an api call to stripe to create a brand new connected account this is what the call is going to look like in ruby at a minimum the thing that we need to pass is a type of connected account so turns out there's three different types and they all work a little differently custom account is a full white label solution they don't have a dashboard by default if you want to use custom you have to build a lot of dashboard tools for seeing previous payments updating payout settings uh and various different things that's part of custom that is like a full white label solution where maybe you want to control the entire experience for all of your sellers on your like etsy stores or all of the drivers for lyft or something like that express there is a smaller like sort of like minimal dashboard that stripe provides you kind of like just redirect the express dashboard and your hosts in our case will be able to see some minimal information a standard connected account is going to be the full-blown stripe account they have access to everything it just happens that it is controlled by your platform account there's a bunch of other information we can pass here the country email capabilities the business type whether it's an individual or a company so we're going to try to like pre-populate as much as we can from the account now in the response we're going to get an id for the connected account and that's going to start with acct underscore there's also going to be this field here called charges enabled this is going to tell us whether or not we can actually you know collect payments on behalf of this connected account so we're going to want to enable both charges and transfers so there's going to be another one down here around payouts enabled but really what we want to keep track of is whether or not the charges are enabled and we also want to keep track of the account id that's going to tell us whether or not we can actually like accept or like pay out the hosts so or accept payments on their behalf and pay them out so that's what we're going to track so inside of our database we already have this concept of a user and a user currently is most often just a guest but they could also technically be a host and we haven't really made that distinction yet but i don't think we necessarily need to create stripe accounts for every single user because i don't think every single user is going to be a host so let's generate a new migration and we'll call it like add host fields to users and um i i need to i'm like on a brand new computer so there's a couple things that are a little bit different that i need to get used to so add column to users and instead of the host id we're going to track like is host and this is going to be a boolean and it'll default to false and then we also want to add the users the stripe account id and that's going to be a string and we want to add the column to users whether or not the stripe charges or just like charges enabled and that should be good bin rails db migrate okay so that's going to add the fields to our user table we also need to have some concept of whether or not i guess like we need to like go through some onboarding process right when someone says they want to be a host we need to sort of like enable some stuff for them and so what i'm thinking is that as we have it right now inside of our like routes right we have this host namespace but we're not actually doing much with this other than other than namespacing listings and their rooms and photos so they can add listings what i think we might want to do is actually just create a uh some sort of like settings controller um or maybe we should call it like payments or a payouts controller uh payouts payment settings i don't know payments is going to be like if you are a guest and you're paying out and i think or if you're a guest and you're paying for your stay so in this case why don't we go with um why don't we call it merchant settings rails g controller host merchant settings and yeah so that's going to be super annoying okay so merchant settings controller so inside of the merchant settings controller in i guess on the index we will have some concept of a view where we know whether or not the current user is a host or not so host merchant i guess we want to go over to views and add a new view for this under host merchant settings indexed actually this might be just yeah index.html okay so let's just say we've got our h1 up here and its class is going to be text excel uh wow that's cool okay and then let's see uh so we want to have we're gonna print out like current user i guess yeah we'll we'll say like um charges enabled is gonna be um current user.charges enabled okay that's cool and then we're gonna have something like um yeah like stripe account is going to be current user dot stripe account id and let's see if we can just get this to come up so we're going to have this host resources merchant settings and we've got to start up all of our stuff so we're going to say bin rails s so that's going to start our rail server and then we also need to start up our bin webpack dev server so i started to play around with es build i still haven't gotten it i need to like go through the whole process of uh figuring out some security settings and things but um yeah it's close it's close all right so then we also need to start our redis server and we also need to start um actually yeah we don't want vertical here let's start uh actually over here we'll split vertically again and then we'll start the um q this is going to be our uh our rake tasks or like our our background jobs here we go star rake uh oh gosh i forgot what it's called so um break tasks work rescue rescue work rake rescue work okay so that should fire up our workers so we've got our our redis and our background tasks are running we've got our javascript compiling we have our rail server running let's also split vertically here ah keep doing that whatever all right so um we need to have our stripe cli listening and forwarding webhook events into our web hook handler so we're going to say stripe listen dash dash forward to localhost 3000 web hooks stripe and then we also want to do dash c so that we receive connect web hooks so when you're setting up your account you can actually set up two different kinds of web hook endpoints the first kind is your account and your account web hooks and this is going to be any events that are firing on your actual account you can also set up connect web hooks to receive event notifications for any time events fire on your connected accounts so we're going to pass those also to localhost 3000 slash webhooks stripe and that way both of our incoming events are going to be processed by the same web book handler okay what else do we want here i guess that's probably a pretty good start so we've got our merchant settings let's open up um localhost 3000 slash host merchant settings undefined method stripe account id for nil class that's because we don't have anyone logged in yet so we go to merchant settings controller and we want to add before filter authenticate user i guess before action before filter was like an old name for it okay so we need to log in wave cgive dev password don't want to save it right now okay here we go so stripe account doesn't have anything and charges are not enabled so okay so now let's go i guess we want to add now a button to connect the stripe account so let's go back to the merchant settings index here and we'll say like or like i guess we could say like um if um current user.stripe account id is if it's blank then you have nuts okay okay and then um otherwise yep then otherwise we'll show these things um i'm also i'm using copilot here and it's been pretty good the only thing that i'm having a problem with now is that when i visually select a line i'm not actually seeing well okay that's a i guess it's a vim colors setting um so let's refresh okay you have not connected your stripe account yet connect your stripe account and what we want to do i guess should we have it say connect stripe um yeah sure or i guess like um yeah i guess that's fine i'm wondering if we want to have it be a form where you post to merchant settings but i think this is i think this is fine we'll just create a new route in merchant settings controller that will set something like current user dot update is host to true um so we know at this point if they're going to connect their stripe account we know for sure that they're going to be a host i guess we also know that we want to create a stripe account for them so we can say account is stripe account.create the country is us and we want the type to be um express and what else do we have here we've got the yeah emails currentuser.email and we have capabilities that's required for custom accounts but technically we could request card payments and transfers which we do want to okay and then what else do we want down here uh i guess we also want the tax reporting for the 1099k requested true gosh co-pilot is rocking it right now this is i'm really impressed um so the business type is going to be individual that's right okay and then i guess we want to pass in individual and we can have the email oops um we don't have all this information so we just have the email and the name we don't actually have like separate first name and last name stored in the database we could theoretically go and add all that and that would be cool i guess the other thing is we want to check and make sure that we only want to do this if currentuser.stripe account id is not present um okay so then after we create this stripe account then what we want to do is we also want to update the current user to yeah have their account id their stripe account id be the account id and for now charges are definitely not enabled they're going to be false until we receive a web hook and our web hook notification later so actually i'm not even going to pass that i'm just going to leave that out we will update the current user and then after this happens i guess what we want to do is redirect back to back to the index so in either case we'll say redirect to host merchant settings path sure that looks good okay so if we say connect our stripe account the action show cannot be found blah blah blah okay so we need to go to routes and then here we need to say do member do get to connect stripe account or no just connect uh let's just call it connect and this is going to go to merchant settings connect and then we'll just call this connect and what else do we want to do here okay so after we have created the stripe connected account the connect account we want to redirect to stripe and so the way we can do that is by creating an account link and we want to pass along the account id that we just created so current user dot um stripe account id now the refresh url is going to be this same url so we basically want to pass host merchant settings connect url wow that's impressive and the return url is going to be something like host merchant settings um connected we'll make another method down here connected which is just gonna render text like connected and we need to go add that route okay so this is going to return a a link and we want to redirect to that link so redirect to link.url status like c other and then allow other i forget what this is allow other hosts true because it's going to be a different um this is going to be on the stripe domain when we redirect to this onboarding flow and then we also want to return we're going to return early if that's the case okay so let's try going through the process here so we're back at merchant settings connect your stripe account boom the action show could not be found for okay so it keeps thinking that we want to show oh right because in our index um merchant settings index here we need to update this link to go to slash connect oh and then in our routes instead of member do they should have been collection due the other thing that i'm noticing is that in inside of this controller what we want to do is if there's no account id present we want to create the account id um and then if we if we already had an account id then we want to redirect to this link url and i don't think we want to redirect back all right so let's let's try going to here again refresh the page click on this okay so that should have created a stripe account and then undefined local variable or method host merchant settings connect url huh oh i had i had the order wrong i had the order wrong okay so when it's a custom route like this the connect goes on the other side so merchant settings controller so this should be the connect merchant settings url and then connected okay so let's see if this works we should get redirected to stripe and we were redirected and this is the onboarding flow so we're going to go through onboarding here sign into our account we're going to get a text message to nine i'm gonna use one of my saved informations to just make it fast but there's a bunch of connect test strings that you can use during onboarding that will like immediately verify you so you'll want to go take a look at those i think yeah there should be like um testing yeah here we go testing that has like a bunch of test strings so like use this for certain sms use these dates of birth for certain things address full match for the the line one and then you have to have like real city state zip etc so you can kind of come in here to this like doc slash connect testing and find out what all those test strings are all right so at this point we are still onboarding so we need to pick our industry this is going to be travel i guess that we could also like pre we could probably also pre-fill this under business details and then the clearbnb.com we'll just use that as the uh business website even though that doesn't exist and we want to use a test card or test account so this is going to be the bank account the test bank account that we're going to like pay out to okay we're going to click submit all this is just test information as we're going through this process and okay missing template right okay that's cool so we didn't actually need a template we said render text i thought this was gonna just print out the text i don't know maybe it needs a text template but whatever so we are we should be connected and uh you'll see that in the in the logs for the stripes cli the stripe close listen command there's a bunch of events that are firing on this account so one of them in particular is called account.updated and we should have been saving all of those event objects in our like web hook handling system so let's um let's open up the rails console and take a look at those events event.count so we have 17 events event dot last capability to update it so event where event type is account updated and here is one of those events one of the account updated events and somewhere in here there's going to be like a charges enabled and this tells us that the charges are not enabled yet but this is what we want to listen for is when those charges become enabled and so what we want to do now is actually before we go too far let's add connected.html.erb to our merchant stuff here class is text 3xl blah blah blah connected and then we can say like thanks so much i don't know what yeah i don't know exactly what we would need to say there um okay so now what we want to do is we got to go look at our our web hook handling so event job and inside of here instead of handle stripe we want to say when account.updated we want to find so this is going to be the account object event.data.object and then we want to find the user so we're going to say user.find by their stripe account id is going to be account.id and we want to say if account dot charges enabled user.update charges enabled to true and in fact like what we could do is say uh just always update the user's account to have charges enabled equal to account dot charges enabled that way if the charges get disabled for some reason like in the future if we need to submit some more sort of like know your customer information then we'll be able to tell whether or not the charges were enabled all right so let's go look back at our merchant settings here we have our stripe account id that is like entered that's good charges are not enabled so let's actually go back to all of the account updated events and say update update all and set the status to pending and then what we want to do is say like yeah we want to go through each of these um and then p like e dot uh i guess we want to kick off the event job event job dot pr perform later for e and that should kick off all of the events and reprocess them and now we have charges enabled and that is now it says yes so we we received all of the web hook notifications but we didn't have our processing set up we were able to reprocess those locally which is super handy and now we have charges enabled so that's super cool so if this if this host has some listings which because i blew away the database we don't have any listings yet so let's say like actually let's go add a button to the listing view listing index for the host we want to say like you know [Music] a href is host listings new wow look at that add new listing holy moly that's pretty cool so add new listing and then our title is going to be i don't know like cabin in the woods and something one two three main street in francisco california nine four one one one uh i don't know six people can stay the nightly price is 120. the cleaning free is 120 and these again i think are in cents so um let's actually make that 200 at night and then we'll say create listing okay so now we have a listing here and we could edit the rooms so we could add a room we can add a bedroom we could add a living room and we could add beds to that maybe we have like i don't know king bed wait king bed in the living room no king bed in the primary bedroom add and okay so let's add another bedroom that's going to have a queen bed and a another queen bed we'll say add room okay so that is that's looking pretty good we go back to host listings so now we have our cabin in the woods here it's in draft and uh i guess details yeah we can say that this is published so we'll update the listing to published if we wanted to we could edit the photos but at this point i think if we go to listings yeah we see cabin in the woods is a listing and we could reserve this now what i think we want to do is um the way that i initially set this up was to have it be so that we could collect payment with checkout and then later down the road we could pay out the host but what i think we want to do is actually update our checkout or like our like reservation reservations controller so that when we redirect to checkout we actually pass in the um this connected account and we take our we take our cut for our application fee and we also make sure that the connected account for this host is going to be paid out so here what we can do is we can say transfer data is the destination and that is in fact pretty close um listing host yep so it's going to be the listing hosts stripe account id and then we also want to pass like application fee amount and that is going to be some fraction of the cleaning fee plus the nightly price so some percentage of this amount so for now let's just say that we're gonna yeah multiply it by or we'll take 10 percent i think i don't know i think this will write this will work and then we want to convert this back to um an integer and let's just see how this goes so if we redirect to checkout now okay we go through stripe checkout we're going to pay 320 dollars that's the 200 a night plus 100 120 cleaning fee and we are paying as this user it's gonna be the same user it's like they're staying in their own property but whatever um uh okay test and then we'll put in some zip code and click pay and so okay so we paid the status is pending we should be handling web hooks in the background if we refresh the page we see that it's booked we have a payment intent id let's take a look in the stripe dashboard to see if we received the payment and it looks like we did receive the payment of 320 and did it actually pay out the it did okay so we collected the fee 32 okay and now if we go look at the connected account so here's the connected account at the top yep and they received 288 dollars so that's perfect so someone booked they paid 320 a night that was the guest and the host got paid out 288 a night or 200 i'm sorry for the whole stay they paid 320 and the host got paid out 288 less their fees for the the platform processing the payment so this is this is totally working and we have like successfully set up basically like the whole payments loop at least and yeah i guess the next part would be we should go in and probably improve our booking so that we can actually pick specific dates and then maybe fire events when certain people check in check out whatever but i think this is a good stopping point because now we have we're able to pay out to the host when someone books one of their properties uh all right so we've got yeah we've got checkout done just looking back at our plan here it looks like we have a couple more things we could add to the concept of a listing we've also got some tools we could add like we want to text the host when they get a new booking to tell them hey you've got a new request coming in or you've got a new booking that's coming for certain dates we also want to allow the guests and the host to message each other and i think we can use we might be able to use like action mailbox for this that'll be pretty cool we've also want to let's see yeah allow users to select which time zone they're in so all of the messages are appropriately in their own time zone i think we've already got geolocation up and running for the most part i guess we still have to fix that bug with the address autocomplete i don't know what's going on and then we need some calendaring system so we can see on the calendar when the calendar is already either blocked by the host or booked by guests and then yeah we need to build this booking engine so that we can search by dates by certain locations and by a whole bunch of other stuff so we've got tons of things to build and uh yeah this is i think this will probably be my last video in this studio i'm actually moving across the country so uh bear with me as i get spun back up in january so expect something late january maybe early february for the next video we've got tons of stuff to cover but yeah this will be the last video for a little while as we pack up our entire house and move from the west coast we live in nevada now we're going to move all the way to the east coast and live in new hampshire so yeah bear with us as we get set back up thanks so much for watching and we'll see in the next one [Music]

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