laravel-stripe-connect

# Laravel Stripe Connect

## Agent Workflow (MANDATORY)

Before ANY implementation, launch in parallel:

1. **fuse-ai-pilot:explore-codebase** - Check existing payment setup, Seller model
2. **fuse-ai-pilot:research-expert** - Verify latest Stripe Connect docs via Context7
3. **mcp__context7__query-docs** - Query specific patterns (account types, payment flows)

After implementation, run **fuse-ai-pilot:sniper** for validation.

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## Overview

Stripe Connect enables platforms and marketplaces to accept payments and pay out sellers/service providers.

| Use Case | Example | This Skill |
|----------|---------|------------|
| **Marketplace** | Etsy, eBay | ✅ Yes |
| **On-demand services** | Uber, DoorDash | ✅ Yes |
| **Crowdfunding** | Kickstarter | ✅ Yes |
| **SaaS with payouts** | Substack, Teachable | ✅ Yes |
| **Simple SaaS** | Netflix, Notion | ❌ Use billing |

### Key Difference: Billing vs Connect

| Aspect | **Laravel Cashier** | **Stripe Connect** |
|--------|--------------------|--------------------|
| **Money flow** | Customer → You | Customer → Seller (via you) |
| **Accounts** | 1 Stripe account | Platform + N seller accounts |
| **Use case** | Subscriptions | Multi-party payments |
| **Complexity** | Simple | Complex |

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## Critical Rules

1. **Verify seller identity** - KYC required before payouts
2. **Handle negative balances** - Platform liable if seller can't cover refunds
3. **Webhook-driven** - Never trust client-side for payment confirmation
4. **Store account IDs** - Always persist `stripe_account_id` on sellers
5. **Test with test mode** - Use test account IDs before production
6. **Understand liability** - Know who pays for disputes per account type

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## Architecture

```
app/
├── Http/
│   ├── Controllers/
│   │   └── Connect/
│   │       ├── SellerOnboardingController.php
│   │       ├── MarketplacePaymentController.php
│   │       └── PayoutController.php
│   └── Middleware/
│       └── EnsureSellerOnboarded.php
├── Models/
│   ├──