Daniel-paymentmethods

[lime quarry]

I can try, what's the exact issue?

[thorn mortar]

Hey, thank you. Gaby Newman redirected me here.

[lime quarry]

I don't know who that is I'm afraid.

so what's the question?

[thorn mortar]

We have a payment method enabled for billing in settings

But when I create billing session url and navigate in there

I cannot update credit card

I even tried to create settings object, and use that for the billing session with payment method enabled

But no luck

Still cannot see the update payment method in the billing

[lime quarry]

what's the ID cus_xxx of the customer you're testing with?

[thorn mortar]

cus_MGFHpIM95HBI9l

[lime quarry]

ok thanks, will investigate a bit

[thorn mortar]

Cheers

[lime quarry]

it's because of https://stripe.com/docs/billing/subscriptions/integrating-customer-portal?platform=API#limitations

The portal doesn’t display the payment method section if the portal doesn’t support the customer’s default payment method.

That customer's default payment method is a legacy ACH bank account object ba_xxx, which the portal doesn't support.

[thorn mortar]

Hmm thats bit odd

We use ACH in another parts of the product.

But for subscriptons we have just cards enabled.

I set the card the be default payment method

[cerulean finch]

this PM was created 2 weeks ago

[thorn mortar]

And I can see now that I can edit payment method

But I also see ACH in there

In billing settings I have however only cards enabled to be able to edit

Is it possible to remove ach from billing portal?

(We use Plaid for bank accounts, so I cannot let users edit their ACH from billing portal, however I would still like for them to be able to edit the cards)

[lime quarry]

well our overall suggestion would be to move from using Plaid to using our ACH solution

but if you want the portal to be able to support just the cards then it can only work if the default_source of the Customer is not set to a legacy ACH bank account. So that is something you can change!

[thorn mortar]

I set card to default

[lime quarry]

yeah that's a different default

in the API that sets the invoice_settings[default_payment_method]

separately the customer has a default_source which is the ACH bank account.
I know it's kind of confusing but the best solution is to move away from using any of these legacy aspects(ba_xxx bank accounts and default_source) and only use PaymentMethods and our ACH solution.

there's not a way to unset the default_source, and you can't set it to a PaymentMethod pm_xxx Card. So I don't think there's really anything you can do except consolidate on using our recommended current integrations if you want compatibility with our hosted surfaces like the BillingPortal.

hope that helps @thorn mortar . Anything else?

[thorn mortar]

It just tried this:

stripe.Customer.modify("cus_MGFHpIM95HBI9l", invoice_settings={"default_payment_method": "pm_1LXlirI8LUhKii5JrkDSsPoe"})

But I can still see ACH in billing portal too

[lime quarry]

screenshot?

[lime quarry]

ok. So what's wrong with that overall, what do you want it to show instead?

[thorn mortar]

I want it to show just cards

Hide ACH from the UI

(so users cannot delete it)

[lime quarry]

that's not a feature of the portal, it doesn't let you configure settings like that on a payment method basis. It's just on or off. (https://stripe.com/docs/api/customer_portal/configurations/create#create_portal_configuration-features-payment_method_update)

[thorn mortar]

Oh, ok thats good to know.
So if I want users to be able to replace cards for their subscriptions, what would you recommend?

[lime quarry]

I'd recommend the customer portal.
If you have a hard requirement that you don't want them to edit ACH then you'd need to invest in building your own dashboard for updating payment methods. You also have a sales contact to raise product feedback at Stripe to.

[thorn mortar]

Yeah its a hard requirement for people to not delete the ACH.