---
title: Stripe Connect onboarding with Ruby on Rails - CreatorPlatform.xyz - Part 8
slug: stripe-connect-onboarding-with-ruby-on-rails-creatorplatform-xyz-part-8
published_at: 2022-09-14 10:23:32 +0000
updated_at: 2026-03-04 20:13:12 +0000
summary: 
description: Stripe Connect onboarding with Ruby on Rails. You&#39;ll learn about the webhook events needed to track the onboarding flow for a custom connect account with Stripe Treasury enabled.  00:00 Introduction 00:55 Create an Account model in the database 02:22 Make a class for working with Stripe Account APIs 04:20 Create a custom Account with the Stripe API 07:18 Create an AccountLink for Connect onboarding 08:57 Add button for creating accounts 12:21 URL helpers from a custom class 14:39 Stripe Connect onboarding 20:32 Display account details in the dashboard 23:57 Handle Stripe Connect onboarding webhook events 28:24 Conclusion  Stripe Connect Onboarding docs: https://stripe.com/docs/connect/custom-accounts Playlist: https://www.youtube.com/playlist?list=PLS6F722u-R6IJfBrIRx3a2SBkAL4vUp2p  Code: https://github.com/cjavdev/creators.dev/  Follow me on Twitter: http://twitter.com/cjav_dev   #rubyonrails #ruby #rails
tags: [cjav_dev, web development tutorials, web development for beginners, vim, ruby, rails, javascript, ruby on rails, active record, ruby on rails tutorial, stripe connect, connect, Custom connect onboarding, Stripe connect onboarding, Stripe connect onboarding with ruby on rails]
views: 2659
author: CJ Avilla
url: https://www.cjav.dev/videos/stripe-connect-onboarding-with-ruby-on-rails-creatorplatform-xyz-part-8
youtube_url: https://www.youtube.com/watch?v=M1_JCZxhlRA
youtube_id: M1_JCZxhlRA
embed_url: https://www.youtube.com/embed/M1_JCZxhlRA
thumbnail_url: https://i.ytimg.com/vi/M1_JCZxhlRA/hqdefault.jpg
type: video
---

# Stripe Connect onboarding with Ruby on Rails - CreatorPlatform.xyz - Part 8

*Published: September 14, 2022*
*Views: 2659*

## Watch

[Watch on YouTube](https://www.youtube.com/watch?v=M1_JCZxhlRA)

[![Stripe Connect onboarding with Ruby on Rails - CreatorPlatform.xyz - Part 8](https://i.ytimg.com/vi/M1_JCZxhlRA/hqdefault.jpg)](https://www.youtube.com/watch?v=M1_JCZxhlRA)

## Description

Stripe Connect onboarding with Ruby on Rails. You&#39;ll learn about the webhook events needed to track the onboarding flow for a custom connect account with Stripe Treasury enabled.

00:00 Introduction
00:55 Create an Account model in the database
02:22 Make a class for working with Stripe Account APIs
04:20 Create a custom Account with the Stripe API
07:18 Create an AccountLink for Connect onboarding
08:57 Add button for creating accounts
12:21 URL helpers from a custom class
14:39 Stripe Connect onboarding
20:32 Display account details in the dashboard
23:57 Handle Stripe Connect onboarding webhook events
28:24 Conclusion

Stripe Connect Onboarding docs: https://stripe.com/docs/connect/custom-accounts
Playlist: https://www.youtube.com/playlist?list=PLS6F722u-R6IJfBrIRx3a2SBkAL4vUp2p 
Code: https://github.com/cjavdev/creators.dev/ 
Follow me on Twitter: http://twitter.com/cjav_dev


#rubyonrails #ruby #rails

## Transcript

hey what&#39;s up in this episode we&#39;re going to talk about stripe connect onboarding for custom accounts with ruby on rails and we&#39;ve already got a dashboard set up we have this accounts page what we&#39;re going to do now is add a button to the accounts page that when clicked we&#39;ll create a stripe account using the api and then we&#39;ll redirect us through the custom connect hosted onboarding flow so the first thing i wanted to do was take a look at our accounts controller and you&#39;ll notice that it&#39;s very bare bones right now we do want to have a before action that will make sure that the user is logged in before they get to this page in fact i think we also need this in our dashboards controller so we&#39;ll drop that in there on our accounts controller we&#39;re going to have some create action that when it&#39;s fired it will create an account in the database and then it&#39;s going to use some helper to make an api call so the first thing we need to do is have somewhere in the database to store these accounts so it&#39;s a rails g model account and it&#39;s going to have the stripe id that&#39;s going to be the stripe account id we&#39;re also going to want to know if it has the payouts enabled and that&#39;s a boolean we&#39;re going to have charges enabled that&#39;s also a boolean and we might also collect a bunch of other stuff but for now i think this is probably a good start oh also accounts are going to have a foreign key relationship back to a user now technically we could have stored these three columns on the user model but one thing we want to avoid is adding too many things on top of our user object and so what we&#39;re going to do is have a one-to-one relationship between a user and account if in the future we need to support multiple stripe accounts that&#39;ll make it really easy because we can switch our has one to has many do some refactoring and we&#39;ve got all the tables and the data where we need it to be all right so let&#39;s say this is also going to have user references and that should set up a foreign key relationship for us let&#39;s take a look at the migration here and we see that we have a stripe account id we&#39;ve got payouts enabled charges enabled and we are good to go all right so let&#39;s also create some class that is going to be used for working with stripe account objects so we&#39;re going to need to do things like create the account or link to the account or we might have to like sync the account later so i&#39;m going to create a new directory inside of app called stripe and this is going to be where all of my helpers live so i&#39;m going to say i&#39;m going to create another thing in here called a stripe account.rb and that&#39;s going to be the class that helps me interact with stripe accounts through the api so we&#39;ll come back and implement our stripe account later but for now what we want to do is start creating these accounts in the database so let&#39;s take a look at our accounts controller and we&#39;re going to add our create method here the create method is what handles post requests that are coming from uh from the front end so we&#39;re going to say at account is account dot find or create by user and the user is going to be the current user now what we want to do is say like service is stripe account dot new and we&#39;re going to pass in at account now we want to say like service dot create account and then we&#39;re going to redirect to service dot onboarding url so this create account method doesn&#39;t work or doesn&#39;t exist yet so if we go to the stripe account uh the stripe account object here neither none of these methods exists yet so we need to implement an initialize that&#39;s going to take in the account we also need to implement a create account method that&#39;s going to make a call to the stripe api we also need to implement some onboarding url so we&#39;re going to implement all of those now so this create account method is going to be where a lot of the api call magic happens this onboarding url is going to be an account link so i think at this point we should be good to go so if we try to call create account we should return early if we already have an account id so if the account has a stripe id present then we want to return early and i&#39;m going to actually use an adder reader for account so that i&#39;m using bare words everywhere now otherwise if we don&#39;t already have an account then we&#39;re going to create a brand new one by saying stripe account.create and we&#39;re going to pass in a bunch of different stuff so the first thing is that we need to specify a type and this will give us back a i guess this is going to be a stripe account and what we want to do is ultimately update the underlying and set its striped id to the id that comes back from the stripe api now this api call accepts tons of arguments so if we go to stripe.com api accounts slash create then we should be able to see all of the arguments that we can pass when creating a new stripe account so we specified the type already we can also specify the country i&#39;m going to do that now for now we&#39;ll just allow creators to be in the us the email that can be the user&#39;s email address capabilities so we need to pass in a set of capabilities that are enabled on the stripe account this is how we unlock different features of the stripe account so whether or not we want to accept acss or different kinds of payments we&#39;re also going to want to enable card payments generally so here we&#39;re going to say capabilities and we need to pass in a bunch of things that are that we&#39;re going to request so inc card payments is going to be ones we&#39;re going to say requested true we are also going to want um payouts or it&#39;s called transfers now we&#39;re gonna say transfers requested true and so in addition to those two we&#39;re also going to enable treasury and we are also going to enable card issuing so card issuing and treasury so treasury and card issuing are going to be what allow us to add embedded finance to our application later to unlock a lot of these really cool features around store and storing and sending pa money or issuing virtual credit cards that our creators can then go and use to spend immediately so this is uh so we&#39;ve got our capabilities now it&#39;s worth noting that we don&#39;t have to pass anything other than the type and all the rest of this information can be collected inside of the hosted checkout but we could potentially pass in addresses phone numbers any of the details that we have about this uh about this account but for now we&#39;re gonna just leave it at this and see how much we have to fill in during during onboarding but this should get us started at least yeah so in order to play around with this one the last thing we need is the onboarding url in the onboarding url we&#39;re going to use another api that&#39;s of stripes called the account links so we&#39;re going to use this ruby method here to create a brand new account link so i&#39;m actually just going to copy that drop it in here in this case the account id is going to be the account.stripe id the refresh url and return url are going to be two urls that we want the user to go to in this case they&#39;re both going to be the accounts url accounts url and the type is going to be account onboarding okay so there&#39;s one other argument that we can pass here and that is what we want to collect so if we&#39;re creating custom stripe accounts or express stripe accounts we can say that we want only the requirements that are currently due or we can say collect everything that may eventually be due so what i want to do is say collect and pass in eventually do that way users when they&#39;re gone when they go through the onboarding flow they collect everything that they might need and then they should be off to the races all right at this point we should be able to hit our accounts create action passing in nothing as a logged in user and we should be redirected this onboarding url this is going to be a url that is hosted by stripe so we have to say allow other host true and then we&#39;re going to set the status to see other so that it redirects all right so from our accounts index let&#39;s create a new form where the action is slash accounts the method is post we&#39;re going to have a hidden input that is going to have the name is going to be authenticity token and that&#39;s going to have our form authenticity token to prevent csrf and now we just need a button so i&#39;m going to go over to tailwind ui grab a button that looks nice all right the type here is going to be submit and the button we want the button to say something like create a stripe account uh looks like we have some migrations that need to run so we&#39;ll say railsdb migrate refresh the page now we have a button here that says create a stripe account so we click on this account when we click on the button we see this error uninitialized constant accounts controller stripe account that&#39;s because we created a brand new directory called stripe but we didn&#39;t restart the server and so the server didn&#39;t know how to auto load that yet so let&#39;s try this again we&#39;ll go to the accounts page click on create a stripe account and we are missing a comma or something so let&#39;s go back to our stripe account thing and add a comma there refresh the page and let&#39;s see create stripe account unknown capability treasury okay so in order to use treasury we have to go through treasury onboarding i have an account that is already onboarded to treasury so i&#39;m gonna update my credentials and change my secret key to one of my accounts that already has onboarded to stripe treasury so i&#39;m gonna go to dashboard get my api keys and i&#39;m gonna copy this api key while i&#39;m here i might as well grab my publishable or yeah my publishable key and i&#39;ll drop that there and we&#39;re good to go okay one last time for all the marbles oh okay undefined local variable or method accounts url but we should have account dot stripe uh id and we do okay so we that&#39;s great we have created a stripe account so that&#39;s fantastic if we look back at the server log we should have received some notifications oh right okay the other thing we want to do now now that we&#39;re using this different stripe account is we want to say stripe login and make sure that we are authenticated with the same stripe account so that our web hooks that are being forwarded are for the same account okay so now we should be good to go to say bin dev and refresh this page okay so the reason that the accounts url isn&#39;t available inside of stripe account is because it does not have the url helpers so we need to include rails.application.routes.urlhelpers that way we can have access to these these helper methods for the like accounts url method all right so if we refresh and click on create a stripe account now missing host to link to please provide this in the default url options i thought this was set up in our development rb mailer default url options right so if we look at rails.application.config.actionmailer then we are seeing a bunch of stuff so dot default url options yeah so we see the host is localhost and the port is 3000. so i fully expected that rails.application.urlhelpers.accounts url to i thought it was going to use that does it not use that all right so we&#39;re missing the host to link to this is again because we are inside of a class so we included this url helpers but it does not know or it doesn&#39;t have any context about the default url options so what we&#39;re going to do is just make a method here called default url options and we&#39;re going to return rails.application.config.actionmailer that will make it so that it should use the default mailers options under the hood so let&#39;s try this again undefined method 2 model for stripe account link okay cool so we&#39;re creating the account link but then we just returned the entire thing so we&#39;re going to say um this is the link and we want to return link.url that&#39;s right so actually we can just say return this thing dot url that should work just fine create a stripe account okay so now what we want to do or now what&#39;s happening is it looks like a no op but if we open up the network tab what we&#39;ll see is that we are actually being redirected but we&#39;re getting a course error and that&#39;s because we&#39;re being redirected client-side by turbo so let&#39;s go back to our accounts index make this form we&#39;ll disable turbo by saying data turbo is false because this is ultimately redirecting out all right now we are on the connect onboarding flow so we&#39;re going to enter a test account number test at example.com i&#39;m going to say continue use the test code now we need to start setting up the type of business when we&#39;re talking about creators the type of business is almost always going to be individual and as we&#39;re going through this onboarding flow we want to think about the things that we can remove from the onboarding flow because we just know them about our users so when we&#39;re looking at when we&#39;re looking at the api reference for creating an account we can kind of think carefully about what arguments we want to pass when we&#39;re creating the account originally so in this case we can go back to our stripe account thing and when we&#39;re creating the account we can set the um the business type to individual that will make it so that users don&#39;t actually have to select this as they go through all right let&#39;s see what&#39;s on the next page right now we don&#39;t have any of the information about the user filled in so this is going to be something like test test test at example.com and then 0101 1901 there&#39;s a bunch of test strings like magic strings that will allow you to go through this onboarding flow automatically but for now one other thing that we know that we can enter is the email address so when we are creating a new stripe account for a business type of individual one thing that we can fill in is the individual&#39;s email address so we can also pass that so here we can say individual and we can say email is account.user.email so we know that that is part of their onboarding flow address full match and then we might say i don&#39;t know san francisco california 9411. and then in terms of phone number we want to probably enter a real phone number um 8675 309 and then for social security number we can enter all zeros in test mode and that should create our personal or verify our personal details so in practice what i generally like to do is set up that connect onboarding with as much detail as possible so that users don&#39;t have to go through the same flow every single time so uh most of our users are going to be selling digital products in fact they&#39;re going to be selling sort of um blogs or written content so one thing we can do is we can figure out what the industry is for this and we can pre-populate it on the professional details now their website is going to be for now we&#39;ll just say https cgive.dev test and we can come back and fill in what this industry is when we see the mcc code or the merchant category code for blogs and written content that&#39;s going to be set up for this account okay now we can click accept this is going to agree to the terms of service for card issuing and also terminal and some other things so we&#39;re going to say accept there and finally this is where we&#39;re going to just submit and be done with the onboarding flow and we should be redirected back to our accounts page okay so now at this point we have we&#39;ve had a bunch of different events fire on our account so if we were to look at the logs here and look at all of the events that came in under stripe we have tons and tons of different objects that flowed in for for our onboarding events so we&#39;re going to go over to our dashboard here and we&#39;re going to go to connect and we need to look at test mode and we&#39;re going to look at our most recently created test test account and in here we should see some logs okay here are the logs for this account and this is going to be the most recently updated version of the account so the mcc for the business profile here is going to be uh 5818 and the industry is digital products content blogs articles and what&#39;s nice about that is we should be able to pre-populate that information on our business profile so when we&#39;re creating this account under the business profile argument we can pass in the mcc code so the mcc for business profile is going to be that code because we&#39;re creating this platform we know exactly what each of the creators is is selling this is another thing that users don&#39;t have to pick it also kind of removes any of the fear about getting that answer wrong or it also removes the ability for users to successfully use this platform for anything different let&#39;s take a look at what else is available inside of that business profile we&#39;ve got the product description and support email so we can add the support email here as the account.user.email we might also add support phone or support url the business profile url for now we&#39;re going to just set it to this hard coded but in practice because this platform is going to enable creators to sell stuff we will know the url their public-facing url and custom domain that we want users to be redirected to as part of their business profile but we don&#39;t know it exactly yet the product description is going to be digital creations and content okay so we want to just go through pre-populate as much as we can and at this point we have now we have a brand new account so on our accounts index we should iterate over those accounts and list them out so current user.account.stripe id just print it out for now user has no method account so we&#39;ll go to the user model and say a user has one account all right so now we see the account id we also want to know like are the charges enabled or what are the other details about that stripe account that that matter so we can go to tailwind ui go to our components here and we want some sort of data display i think a description list probably makes sense it&#39;s maybe it&#39;s overkill but for now this is going to be fine so we&#39;re just going to say like you know this is your like payment account information uh stripe account i don&#39;t know and we&#39;ll just say stripe id current user.account.stripe id and then we&#39;re going to say charges enabled current user.account.charges enabled so as the account goes through this updating flow it will transition from not having any charges enabled or payouts enabled to having those enabled so initially an account you can&#39;t actually collect money with it and you can&#39;t actually send money uh from it or like pay money out of the account and so as those details are collected through onboarding charges become enabled and then once we have an external account that we can pay money to it will allow us to send money out of this account so we&#39;re also going to say payouts enabled so we can say currentuser.account.payouts enabled and let&#39;s just look and see what this looks like okay so we have our account id we have uh charges and payouts enabled doesn&#39;t show anything and then we can just remove the rest of these lines now okay all right and then we can remove this one and then this form is too close to the header so i&#39;m going to add a class of margin top four and okay so now that&#39;s too close to this thing so at a margin top of four and things are looking pretty good okay so charges enabled i don&#39;t know why nothing is printing out there it might be that it&#39;s nil okay so that is that&#39;s fine so what we want to do then is go to actually i wonder since these are boolean fields yeah we should be able to say charges enabled and payouts enabled and that will give us okay so that gives us a little breakdown all right so at this point we are going through the connect onboarding flow we have a new account created and we have collected some information now what we want to do is start listening for account related web hooks so that we can start transitioning some of these statuses so we already have web hooks set up or we have a system for handling web hooks set up so what we want to do is look at event event.last so we want to find the events where the type is account.updated we can say event.where and then data because we&#39;re using a json column we can say account.updated i think we might need to use double quotes around the outside here and let&#39;s see count and then this might also need single quotes where event.where data type okay so event.last so this is the type right here so that should be in the json data right yeah event.where data for the type is i don&#39;t know question mark and then put this let&#39;s see oh updated okay i just didn&#39;t have a d so then this one should have worked with a d okay great so we&#39;ve got um how many do we have dot count okay so we have eight account updated uh webhook events that have not been processed so inside of those webhook event updates there&#39;s going to be a bunch of different statuses in context but the one that&#39;s the most important is going to be um sort of these tr these capabilities and or the um the ones that are the most important is charges enabled and payouts enabled for now and then we&#39;re going to use some other signals to tell us what other statuses we should transition um so what we&#39;re going to do is uh inside of our webhook handler our handle event job we&#39;re going to have another event type that we&#39;re handling here called account.updated handle account updated with the stripe event so we&#39;re going to say handle account updated and for this event what we want to do is we want to update the local event so we&#39;re going to say account is account.find by stripe id and that&#39;s going to be a stripe account is going to be stripe event data.object so the stripe account dot id and now we want to say account dot update charges enabled and payouts enabled so we&#39;re just going to pull the charges enabled and payouts enabled data directly directly off of these these event objects so if we look carefully and we dig through all of this data event.data.object is going to be an instance of a stripe account and that has charges enabled and that notice that this on this event that&#39;s true so that&#39;s good and it also has payouts enabled and that&#39;s still false so we&#39;re going to leave that as false but what we can do now is we should be able to reload and say um what is the id of this last event event 55 so e is event.find 55. and now we can say handle event job.perform now for that event now if we say account.last now we see that charges are enabled and that&#39;s true so if we come back over here and refresh the page now we see that charges are enabled so that&#39;s great so payouts are not going to be enabled until we have a valid external account so we&#39;ve created the stripe account and now that stripe account needs somewhere to send the money that has been received through payments and that is going to be called an external account with relation to the the stripe account in order to create an external account we can either connect to one of our one of our actual bank accounts that lives outside maybe at wells fargo or bank of america chase whatever or what we can do now is we could create a new kind of internal account called a financial account this is another bucket of money that would live it right inside of stripe it gives you faster payouts faster money movement a whole bunch of benefits it&#39;s similar to a bank account but it&#39;s not a bank account and we can use that financial account as our external account so we&#39;re going to pause here we&#39;re going to call this good and say that we&#39;ve kind of like made it to the step where we now need to connect some external bank account for payouts but at this point we are actually sitting really good and in the next episode we&#39;ll talk about how we&#39;re going to set up that financial account and actually start using that as our external account so we kind of keep everything inside of stripe so stick around for that thanks so much for watching and we&#39;ll see you in the next one [Music]

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