The functionality for auto-distribution of payments to drivers via the Stripe payment gateway integration to Stripe Connect accounts of the drivers allows ride-hailing merchants to focus on operations and optimizations instead of losing time on manual driver payout calculations and payment processing.
To use this functionality with Stripe as your payment gateway:
1. The merchant needs to have a Stripe merchant account;
2. The merchant needs to onboard his drivers as Stripe Connect users on his Stripe account, so each taxi driver will have a Stripe Connect ID that the merchant can link to the driver profile;
3. Each time a ride is ended successfully the driver commission will be transferred to the Stripe Connect account of the taxi driver and the platform commission will be transferred to the main Stripe account of the merchant (except if the ride is paid by cash);
4. If the end-user chooses to pay with a combination of different payment methods - cash, bonus and payment card - the driver comission will be calculated only from the payment amount paid with a bonus and the payment card;
5. If the end-user has a debt at the end of his ride, the driver commission will be transferred to the Stripe Connect account of the taxi driver from the main Stripe account of the merchant;
6. If the main Stripe account of the merchant will have no balance available, then the transfer action will fail, and the merchant will need to transfer the money to the driver manually from their side to the specific taxi driver's Stripe Connect account.
To use this functionality with Adyen as your payment gateway:
The logic described above for Stripe has also been implemented on the payment integration with Adyen on ATOM Mobility’s side, but instead of Stripe Connect accounts, each driver will need an Adyen Balance account created.
NB! Note that you need to have your own company account on Adyen in order to use this functionality - it's not possible to use this flow if you have an Adyen submerchant account opened for you by ATOM Mobility team.
The merchant can view the payout information in the following dashboard sections:
Activity log of a specific ride:
Activity log of the specific driver:
Balance log of the specific driver:
Additional points to note:
If the Driver Balance functionality is enabled by the merchant in his dashboard System preferences and the driver has a negative balance, the payout will be skipped;
If the end-user chooses to pay with cash for his ride, the system will not initiate the transfer;
In case of refunds - since refunds are handled by Admin/Global admin, it is never taken away from the driver. If there is a need for monetary punishment, it should be handled differently - via reducing balance, for example. All refunds, if needed, are done from the main merchant account;
Chargebacks are always billed to the main merchant account;
Metadata - we pass only Ride ID to Stripe. All related information on commission breakdowns is available in relevant reports and analytics.