I am following up on this issue to see if there is any guidance yet because I seem to be receiving the same error.

I have added my development API keys and Client ID to the Stripe plugin. I am able to use a Stripe test card to simulate a credit card payment via the Stripe portal. I’m also able to handle the response from Stripe afterwards and save the data from the response to my database. However, when I clicked on the option for “The payee of this transaction is another user”, I received the same aforementioned error:

Stripe error: Can only apply an application_fee_amount when the PaymentIntent is attempting a direct payment (using an OAuth key or Stripe-Account header) or destination payment (using transfer_data[destination]).

Additionally, I have created some “fake users” in my database for testing purposes. Is the solution to register some of these users as a seller in Stripe? Is there some way to create “fake sellers” for testing purposes?

I did go through the “Register as a seller” flow in the test mode, but unlike the payment flow for testing that used a “test card” to simulate a transaction, it looked like the “Register as a seller” flow for testing actually created a real seller in Stripe. What is the best way to test the “The payee of this transaction is another user” feature?