Stripe is how a DTC brand takes the card. The charge, the fee, the refund, and the payout to the bank sit next to the marketplace order.
Stripe holds the charge, the processing fee, the refund, and the payout. When the store is Shopify, Stripe or Shopify Payments is often the processor under the checkout.
Charges, fees, refunds, and payouts come in, with the order id when Stripe has one, so margin can see the fee beside the sale.
A refund can go back when that write is in scope. The checkout that created the charge stays the store's.
Who administers Stripe, whether the processor is Stripe or Shopify Payments, and whether the payout belongs on the margin.
An API is the door the system opens for orders, stock, and the ledger. An MCP server is a tool surface the AI can call, with the same guardrails. The call names who holds the login, which objects are read, and which writes wait for a person.
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