Stripe Connect Payment Architecture Design

We are looking for an experienced Stripe Connect expert to design a complete payment architecture for a platform that supports domestic and international payments.

The ideal consultant should have strong expertise in Stripe Connect, including Custom, Express, and Standard Connected Accounts, Destination Charges, Separate Charges and Transfers, Global Payouts, Cross-Border Payouts, Multi-Currency Payments, and platform settlement flows.

The platform needs to support the following payment corridors:

Domestic → Domestic
International → Domestic
Domestic → International
International → International

The consultant should recommend the most suitable Stripe architecture for each scenario while ensuring compliance with Stripe's capabilities, regional restrictions, and best practices.

Required Expertise
Stripe Connect architecture and implementation
Stripe Global Payouts
Cross-border payment flows
Multi-party payment architecture
Split payments and platform commissions
Connected Account onboarding (Custom, Express, Standard)
KYC/KYB verification requirements
Multi-currency payments and settlements
Payment Intents and Checkout
Webhooks and payment lifecycle
Funds flow and settlement design
Refunds, disputes, and chargeback handling
Platform compliance and risk management
Experience designing payment systems using Stripe
Scope of Work

Design a complete payment architecture showing how funds move between:

Customer
Platform
Connected Accounts
Bank Accounts

for each supported payment corridor.

The architecture should clearly explain:

Customer payment flow
Platform fee collection
Connected account transfers
Global payouts
Currency conversion
Settlement process
Refund flow
Chargeback handling
Failed payout recovery
Webhook events
Ledger and reconciliation approach
Deliverables
Step-by-step payment flow diagrams for all four payment corridors
Recommendation on the most suitable Stripe Connect account type (Custom, Express, or Standard)
Recommendation on Destination Charges vs Separate Charges and Transfers
Connected Account onboarding flow
Global Payout architecture
Multi-currency handling strategy
Payout flow for domestic and international recipients
Settlement schedules and timelines
Refund and dispute lifecycle
Recommended webhook architecture
Ledger and reconciliation strategy
Platform commission collection flow
KYC/KYB onboarding requirements
Risk and compliance recommendations
Stripe limitations by country and suggested alternatives where applicable
Preferred Experience

Please include examples of Stripe Connect implementations or payment architectures you have designed involving:

Multi-party payment flows
Global payouts
Cross-border settlements
Split payments
Multi-currency transactions
Payment reconciliation and settlement systems

Experience with platforms handling domestic and international payments is highly preferred.