pilu-connect-ach | Stripe Developers | Page 1

terse pollen Aug 30, 2022, 3:53 PM

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Hey @reef burrow a lot of this depends how you've built your integration. Like what products do you use? Checkout, PaymentElement? Mobile SDKs? Something else?

reef burrow Aug 30, 2022, 3:55 PM

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We're using Stripe for two situations:
1- Subscription payments from users
2- Users can connect their accounts into our app and receive money from invoices

My question is related to the second integration

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We are using paymentLinks to generate the payment, and a checkout from where our users' clients can pay them

terse pollen Aug 30, 2022, 3:57 PM

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Okay so with PaymentLinks you can control the payment method types you want https://stripe.com/docs/api/payment_links/payment_links/create#create_payment_link-payment_method_types

But we recommend letting us do this based on their global account settings mostly

reef burrow Aug 30, 2022, 4:21 PM

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But is it possible for them to hide the credit card option at the checkout if they only want to receive ACH payments?

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The idea is to offer a new setting at our app, and from our BE send that information to the webhook
Our main concern is what happens if a user disable ACH and that was the only defined option

terse pollen Aug 30, 2022, 4:27 PM

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I don't get what you are asking I'm sorry

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You, as a platform, can choose every payment method to offer. So you can pass payment_method_types: ['us_bank_account'] if you want and it will only accept this yes

reef burrow Aug 30, 2022, 4:29 PM

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Ok, got it

Now my question is what happens if the user have connected their account into our app, had setted only ACH, and then disable that option too, leaving the app with no active option (no credit card, no ACH)

Will the webhook notice us about that? Or how can we handle it?

terse pollen Aug 30, 2022, 4:30 PM

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I don't understand what that means I'm sorry

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Who is the user? What would they "set only"? You can't disable card payments at all in Stripe, it's always enabled

reef burrow Aug 30, 2022, 4:31 PM

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That was my first question, if it's possible to disable the card payment option and only send the ACH method as valid when we create the paymentLink

terse pollen Aug 30, 2022, 4:31 PM

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yeah sorry, we're not understanding each other

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Let's take a step back: who creates the PaymentLink? You as the platform with your own code, or the connected account's owner straight in their own Dashboard?

reef burrow Aug 30, 2022, 4:34 PM

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Our users connect their Stripe accounts into our App
Our users can create Invoices inside our App and send them to their clients
Our App creates the paymentLink in order to receive that money and send it to their connected accounts

The users only need to connect their accounts, but we need to offer them a way to select ACH and/or credit card options

terse pollen Aug 30, 2022, 4:36 PM

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Okay, so as the platform you control which payment methods to use on a PaymentLink. You can pass the parameter I shared above and set whatever you want

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So what's the issue you have with this?

reef burrow Aug 30, 2022, 4:42 PM

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Ok, from there:

The idea is to add a UI component from where the users can define if they want to enable ACH and/or credit card payments

If they've selected just the ACH option, how can we get notice if they disable it after? Is there any event from the webhook that we can start listening? Because we need to handle it and hide the stripe payment button from where the checkout opens

terse pollen Aug 30, 2022, 4:45 PM

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The idea is to add a UI component from where the users can define if they want to enable ACH and/or credit card payments
What is the logic with doing this? Like why offer this versus just choosing nothing and letting their global account settings apply and enable all supported payment methods?

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Like what we recommend all platforms do is just never pass payment_method_types which automatically enables all payment methods enabled on their Stripe account

reef burrow Aug 30, 2022, 4:53 PM

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Because from the Stripe Dashboard they cannot hide the credit card option and display only the ACH one at the checkout

terse pollen Aug 30, 2022, 4:59 PM

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Gotcha, so in that case you can force payment_method_types: ['us_bank_account']. Sorry we keep coming back to the exact same thing again so I still don't get what your question is

reef burrow Aug 30, 2022, 5:57 PM

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Last question:
Is it possible to list the paymentMethods that a connected account has? With an externalId like acct_xxxxxxx
We think it might be possible, but using a customer ID

fierce fern Aug 30, 2022, 5:59 PM

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Hi 👋 I'm stepping in

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A Connect Account does not have Payment Methods per se. Those are attached to a Customer. A Connect Account can have an External Account. What is it you are trying to find? What is the overall goal?

reef burrow Aug 30, 2022, 6:01 PM

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As I commented before,
Our app's suers can connect their accounts into our app and receive money from invoices that their clients pay through Stripe

We need to give them an option to enable or disable the payment methods, so they can select ACH and/or credit card

#pilu-connect-ach