Harpreet-ACH | Stripe Developers | Page 1

polar dust Aug 2, 2022, 4:45 AM

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Hi, do you mean simple debit card?

burnt salmon Aug 2, 2022, 4:45 AM

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yes

polar dust Aug 2, 2022, 4:45 AM

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It depends on what fund flow you are using? For Connect there are destination charges/direct charges

burnt salmon Aug 2, 2022, 4:46 AM

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using separate charge and transfer.

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can I do bank transfer to platform and then platform to other bank with ACH

polar dust Aug 2, 2022, 4:48 AM

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You can accept Charges by Bank Transfer (ACH or debit card) for the Charge step

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But then when you perform a Transfer to Connected Account, it's transfer to your connected account balance, which will be pay out to their bank later

burnt salmon Aug 2, 2022, 4:52 AM

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ok, Can I attach ACH bank with my connect account for receiving payments..?

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i want to hold the payment for some time and then want to transfer to connect, can i do this with separate charge and transfer...?

polar dust Aug 2, 2022, 4:58 AM

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Can I attach ACH bank with my connect account for receiving payments..
It's called Payout, but yes should be able to set a normal US bank
i want to hold the payment for some time and then want to transfer to connect, can i do this with separate charge and transfer...?
You just wait sometime before making the Transfer API yourself. You are the one calling it so you can call it whenever you want

burnt salmon Aug 2, 2022, 4:59 AM

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ok thanks

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have a good day

polar dust Aug 2, 2022, 5:00 AM

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np and welcome!

burnt salmon Aug 2, 2022, 5:09 AM

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hello, I have a question

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can we add ACH bank account and debit card with same connect account for payouts?

polar dust Aug 2, 2022, 5:14 AM

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Yes you should be able to

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https://stripe.com/docs/connect/payouts-bank-accounts#multiple-accounts

Managing bank accounts and debit cards

Managing bank accounts and debit cards on your Custom connected accounts.

burnt salmon Aug 2, 2022, 5:25 AM

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is this include ACH direct debit also?

wispy stone Aug 2, 2022, 5:28 AM

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Hi @burnt salmon I'm taking over this thread

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Hi @burnt salmon ACH direct debit is a payment method. Is your question about payment or payout?

burnt salmon Aug 2, 2022, 5:29 AM

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payout

wispy stone Aug 2, 2022, 5:32 AM

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OK, then you can read the doc that orakaro sent earlier.

burnt salmon Aug 2, 2022, 6:04 AM

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hi, I want to know few more about it, how I can integrate ACH direct debit transfer/payouts along side with credit/debit..?

wispy stone Aug 2, 2022, 6:05 AM

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Need more context to understand, what exactly do you want to achieve? Perhaps you can share with me some use cases?

burnt salmon Aug 2, 2022, 6:10 AM

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I want a user can make transfer by ACH direct debit or credit card and a end user can accept payouts it to their connect account i.e a debit card or ACH direct debit account.

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also have a query, can we use separate charge in ACH?

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We want to hold amount transferred amount in merchant account for some time and later will pay to destination user..

wispy stone Aug 2, 2022, 6:14 AM

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Got it. So basically these two are separate use cases

Payment with ACH direct debit / card -> you should use the PaymentIntent API and specify the payment_method_types to include us_bank_account (AKA ACH) and card
Payout with ACH bank account -> you should use the ExternalAccounts API and pass in the bank account details to create the external account (aka bank account), and use the Payouts API to create payouts

burnt salmon Aug 2, 2022, 6:15 AM

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so it means i need to create new connect account for ACH?

wispy stone Aug 2, 2022, 6:15 AM

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You should follows this guide (https://stripe.com/docs/payments/ach-debit/accept-a-payment) to get started with ACH payments

wispy stone Aug 2, 2022, 6:16 AM

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burnt salmon so it means i need to create new connect account for ACH?

It depends, you can also create an external account for an existing connected account.

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Use this doc (https://stripe.com/docs/connect/payouts-bank-accounts) to learn more about external account and this (https://stripe.com/docs/connect/manage-payout-schedule) for payouts. The easiest way is to use auto payout so you don't need to manage it by yourself. Alternatively you can use manual payout to have more control in the fund flow.

burnt salmon Aug 2, 2022, 6:18 AM

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ok

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thanks

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will go through this and ley you know if any query there.

#Harpreet-ACH