#Hendie-ach-connect
elfin sorrel
and if I set it for the platform account (FOR our connected accounts), am I correct that connected accounts immediately all inherit it ?
main urchin
What specifically are you looking at - is it a dashboard setting? Something in the API?
elfin sorrel
Dashboard. Connect -> Settings -> Payment Methods
we switched to using PaymentIntents for ACH and in test I figured our we needed to specify us_bank_account for ACH payments, but then got this error in production: This payment method (us_bank_account) is not activated for the account specified in on_behalf_of. You can only create testmode us_bank_account PaymentIntents. You can learn more about this here https://support.stripe.com/questions/i-am-having-trouble-activating-a-payment-method
this was the request body:
{
"amount": "11190",
"currency": "usd",
"capture_method": "automatic",
"customer": "cus_LITp9OQJmTmkAC",
"payment_method": "ba_1Kbss7Bb9dNaU75sY8LC5PEP",
"payment_method_types": {
"0": "us_bank_account"
},
"metadata": {
"uuid": "x0o31z0c"
},
"confirm": "true",
"on_behalf_of": "acct_1KbsryPhpjxeZ1ZX",
"transfer_data": {
"destination": "acct_1KbsryPhpjxeZ1ZX"
},
"error_on_requires_action": "true",
"mandate_data": {
"customer_acceptance": {
"type": "offline",
"accepted_at": "1647285746"
}
},
"expand": {
"0": "payment_method"
}
}
so I need to know whether my first question here is valid does us_bank_account payment method require Bank Debits -> ACH Direct Debit for US banking
main urchin
Yeah since you're using on_behalf_of, the platform needs to request the necessary Payment Method type capabilities to enable it on the connect account. See https://stripe.com/docs/connect/account-capabilities#payment-methods. In your specific case, you'd need to request the us_bank_account_ach_payments capability for acct_1KbsryPhpjxeZ1ZX
elfin sorrel
when I tried it in test without anything your API told me to use us_bank_account?
what is the difference between us_bank_account and us_bank_account_ach_payments
main urchin
us_bank_account is what the Payment Method type is called when you use it with Intetns. us_bank_account_ach_payments is just the capability name - you shouldn't need it anymore after the capability is requested and set up
elfin sorrel
So I set it up as default for connect accounts on our platform settings, when I go into a connected account payment methods settings, I now see this. Does it mean it IS activated by default for all existing connected accounts?
and if it's default on from the platform settings, do I even need to specify us_bank_account_ach_payments capability for new connected accounts?
main urchin
No, that dashboard setting is just controlling the automatic payment method settings, which decide whether to accept a Payment Method type IF the account is able to accept it (as in the capability is enabled). Capabilities need to be requested separately from this dashboard settings page. I'd highly recommend reading through https://stripe.com/docs/connect/automatic-payment-methods?connect-payment-integration-type=checkout&connect-charge-type=destination&connect-account-type=express&on-behalf-of=true#enable-custom since it goes into how all of this works
elfin sorrel
Can I request that from the dashboard for existing connected accounts?
main urchin
I don't believe so - for existing accounts you'd need to do this through the API
elfin sorrel
damn!
I get the following:
stripe capabilities update acct_1KbsryPhpjxeZ1ZX us_bank_account_ach_payments --requested=true
{
"error": {
"message": "Cannot create a test mode account capability for a live mode merchant, or vice versa.",
"type": "invalid_request_error"
}
}
merry aurora
HI 👋 I'm stepping in for @main urchin .
elfin sorrel
please advise, how do I change it to a live mode capability
merry aurora
So you are trying to request new capabilities in Test mode for an Account that is in Live mode?
elfin sorrel
no, live for live
merry aurora
Can you share the request ID for the request that generated this error?
Here's how you can find a request ID: https://support.stripe.com/questions/finding-the-id-for-an-api-request
elfin sorrel
sorry, my bad, I forgot to add our live api key to the stripe cli call
merry aurora
That's what I thought might be the case. Looking at the request usually helps figure out what is going on
elfin sorrel
😵💫
I also see it activated immediately
which is good
so ...
when I was testing this in test mode, the API lead me to believe the payment method type needs to be us_bank_account. The capability is us_bank_account_ach_payments. Do I still specify payment_method_types = [us_bank_account]?
your colleague said "us_bank_account is what the Payment Method type is called when you use it with Intetns. us_bank_account_ach_payments is just the capability name"
merry aurora
Correct. The naming of the capabilities to the payment methods is not 1:1. You can see the list of possible payment methods here:
https://stripe.com/docs/api/payment_intents/create#create_payment_intent-payment_method_types
and the one you want is us_bank_account