#avgn-elements-ach
lean gulch
Hello, let me read through
- Server-side is better. Mostly people want to quickly display info client-side so they can do it in JS. But really you can only trust the state server-side (since someone can always change things client-side)
- Depends if you support micro deposits or not. If you only do instant verification then it will go to processing, or it will go back to
requires_payment_method.
Overall, it's best to just program defensively and handle all possible states
- not possible to do the old flow
unreal bridge
Thanks. Elaborating on 2
Let's split into 2 types
- Instant bank linking
- Micro deposits (manual bank entering)
For instant, will the status always go to processing. FYI here I mean to ask about the status which I get immediately after polling the status from the return url ? I understand that after few days the status will update
lean gulch
yeah you don't really "poll" you just call the Retrieve PaymentIntent API after the redirect on your server-side code. But yes it's synchronous and you'd go to processing in that case or requires_payment_method if the debit failed for some reason
unreal bridge
Yes I meant retrieve correct.
So basically if I get processing I show the user the thank you page on the site and ask to wait X days
And if I get requires_payment_method then can I safely ask user to retry payment immediately
lean gulch
yes
unreal bridge
And it will never be succeeded immediately ? I think I did get it on sandbox not 100% sure though
Now to point 2, microdeposits
This part is not really clear because the docs for element don't go over it in detail but the separate docs for ach do mention it.
lean gulch
no it doesn't succeed immediately, it's async
(legacy succeeded immediately and that was so confusing)
unreal bridge
Okay and for micro deposits, same questions as earlier
Which statuses can come immediately or will it always be 'requires action' synchronously
unreal bridge
Sorry didn't get it
When will 'requires_action' come and when 'verify_with_micro..'
lean gulch
status: 'requires_action' and the next_action[type] is verify_with_microdeposits
unreal bridge
Okay got it
So requires action is sort of equivalent of processing when compared to instant ?
lean gulch
no
requires action means you, as the integrator/developer need to do something
processing means you need to wait we're doing something (in this case debiting the bank and waiting up to 7 days for a confirmation)
unreal bridge
Yes so that's my question, what's the next steps the developer or user needs to do after 'requires_action'
There's this link but it's for checkout
https://stripe.com/docs/payments/ach-debit/accept-a-payment#web-verify-with-microdeposits
There's no equivalent for elements
lean gulch
unreal bridge
Yes yes that's what I meant this wasn't there directly under elements documentation, so was confused. but seems this is the general flow right
lean gulch
yep!
unreal bridge
Last question for today
What's the exact use of 'hosted_verification_url' which we get immediately after customer entering bank details
It seems it'sa hosted page to verify the deposit code but doesn't that deposit appear after few days in the statement
Is the URL of any use right after form submission