paragonn-ach | Stripe Developers | Page 1

left agate Jul 29, 2022, 8:08 PM

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Hi 👋 I believe this will work with most if not all US banks, because even if the instant verification isn't supported then there is the microdeposit verification to fall back to.

If you're looking to build a broad Stripe integration that supports many different types of payment methods (our recommended approach) then the information in this guide will be the best resource:
https://stripe.com/docs/payments/accept-a-payment

If you just want to build a flow for our new ACH Debit, then a guide for that is here:
https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API

Accept a payment

Securely accept payments online.

Accept an ACH Direct Debit payment

Build a custom payment form or use Stripe Checkout to accept payments with ACH Direct Debit.

astral lotus Jul 29, 2022, 8:09 PM

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Thanks @left agate -- I will take a look

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@left agate -- is there a simulator for the ACH experience?

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Just wondering if there is some sort of sandbox that shows the product in action

left agate Jul 29, 2022, 8:22 PM

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The exact experience is going to fluctuate based on the integration path that you chose to use. In the first guide that I linked, if you toggle to the Custom payment flow tab then you'll see an example rendered near the top of our page using the Payment Element approach. You can select US bank account from the overflow (...) menu then you can see an approximation of the flow that a customer would go through. Since that demo is built in test-mode, all of the flow is handled within Stripe and no bank communications will occur so it'll be a little different from the actual end-customer experience in live mode.

astral lotus Jul 29, 2022, 8:25 PM

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Thanks! We obviously need to turn on the ACH Direct Debit Payment Method in our account. It's asking us about webhooks?

left agate Jul 29, 2022, 8:33 PM

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Since ACH is a delayed type of Payment Method, meaning you don't immediately know whether the payment will succeed or fail, we recommend using webhooks to listen for associated events with those payments to know whether/when you should fulfill the associated orders (shipping products, granting access, etc).

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They're talked about more here:
https://stripe.com/docs/webhooks

Use incoming webhooks to get real-time updates

Listen for events on your Stripe account so your integration can automatically trigger reactions.

astral lotus Jul 29, 2022, 8:34 PM

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Thanks! Two final questions:

We are currently on API version 2018-09-06 is that compatible with the ACH feature?
Can we create a Stripe Element just for ACH Direct Debit?

left agate Jul 29, 2022, 8:54 PM

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Sorry for the delay, was juggling a couple threads.

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I'm not seeing any ACH specific callouts in our API changelog, so I don't anticipate you'd run into any problems based on your API version:
https://stripe.com/docs/upgrades

astral lotus Jul 29, 2022, 8:56 PM

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ok great!

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Thanks @left agate -- one last thing, can we load a stripe element that is ACH only?

#paragonn-ach