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It seems like Stripe connect requires users to create accounts. I wanted to make the minimal app possible to pay me. No accounts, no nothing, just payment.

That said, there's not much to my app. Just some rails routes, a form, and Stripe Checkout on the client side. But it gets the job done.

Yeah, sounds like he meant Stripe Checkout, which is half of the same thing you do (it returns a token, which you then need to charge), but has a better UI.

The short answer is: No.

Connect is for marketplaces and does some amazing things to make 3 party payments substantially less painful.

Checkout is for 2 party payments and does some amazing things to make getting credit cards and storing them in a secure vault substantially less painful.

However, neither solution is drop-in zero-code.

Stripe focuses on removing friction at the hard parts of the problem so you can build machines that do payments, Paypal focuses on payments that require no effort on the backend.

It sounds like Stripe Checkout is what's needed here. Maybe that's what was meant.