Connected accounts

Linq Agent Pay is built on Stripe Connect. You connect your own Stripe account once, and every payment settles directly to it. Linq orchestrates the request and the checkout but is never in the funds flow.

Your connected account is a Stripe Standard account, and charges are created as direct charges on it. The practical consequence: you are the merchant of record.

That means the following are all yours, exactly as if you integrated Stripe directly:

• The money. Funds land in your Stripe balance and pay out on your own schedule. Linq never holds or touches them.
• The customer relationship. Statement descriptors, receipts, and payout timing are governed by your Stripe account settings.
• Compliance and risk. Your account’s verification, tax, and reporting obligations are yours.

Because it’s a Standard account, you also keep full access to your own Stripe Dashboard and can use the Stripe API on your account directly for anything beyond what this API covers.

Connect your Stripe account once before you create your first payment request:

1. Open Agent Pay in your Linq dashboard: https://zero.linqapp.com/organization/payments.
2. Click Connect Stripe and complete Stripe’s onboarding — business details and a bank account for payouts.
3. Set a display name and brand image. These appear on the checkout page and on the App Clip card, and saving them also registers your App Clip experience.

Creating a payment request requires your connected account to be able to accept charges (Stripe’s charges_enabled). Until it is, creating a request returns 403.

Onboarding usually flips this on immediately. Stripe may still run some verification in the background afterward — that’s expected, and you can keep collecting payments while it finishes. If Stripe ever needs more information, you’ll be prompted in your Stripe Dashboard.

Because charges settle directly to your Standard account, Linq has no custody of the funds and cannot issue refunds or contest disputes on your behalf — and there is deliberately no refund or dispute endpoint in this API.

Handle the money lifecycle after a payment succeeds in your own Stripe Dashboard (or via the Stripe API on your account):

• Refunds — issue full or partial refunds from the payment in your Stripe Dashboard.
• Disputes / chargebacks — these are raised against your account; respond to them in Stripe. The cardholder relationship and any dispute fees are between you and Stripe.

This is the flip side of being merchant of record: you keep the funds and the control, so you also own the post-payment lifecycle.

• Agent Pay overview — the end-to-end flow.
• Sending payment links — delivering the checkout link and Apple Pay App Clips.
• Payment webhooks — reconciling succeeded, canceled, and expired server-side.