Building a Multi-Tenant SaaS with Stripe Connect in 2026

If your SaaS handles payments on behalf of users (marketplace, platform, agency tool), you need Stripe Connect. Here's the architecture that actually works, based on building one from scratch. The core problem Your SaaS has multiple customers. Each customer has their own end-users who pay them. You need to: Let each customer connect their own Stripe account Process payments from their end-users into their Stripe account Take a platform fee from each transaction Handle webhooks for all connected accounts Keep everyone's data isolated This is what Stripe Connect solves. But the docs are 200+ pages and most tutorials skip the hard parts. Picking the right Connect type Stripe offers three account types: Standard, Express, and Custom. Here's the actual decision: Standard accounts (recommended for most SaaS): Your customer already has a Stripe account or creates one during onboarding. They manage their own payouts, disputes, and compliance. You just create charges through their account. Expr