Jkas | Stripe Developers | Page 1

mint phoenixBOT Sep 12, 2022, 6:15 PM

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fierce delta Sep 12, 2022, 6:15 PM

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Hi there

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If ACH_credit_transfer is one of the payment_method_types and the Customer doesn't already have an ACH CT Source, then yes, one will be automatically created.

night tulip Sep 12, 2022, 6:16 PM

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Why is it a source and not a payment method? I thought sources were a thing of the past.

fierce delta Sep 12, 2022, 6:16 PM

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Because our ACH Credit Transfers is still on Sources

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And hasn't been built on PaymentMethods yet

night tulip Sep 12, 2022, 6:17 PM

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I'm seeing some of these ACH sources filled with dummy data and some actually have what looks like real data - customer email and bank names in them. I'm curious how those are getting created and the difference between them?

fierce delta Sep 12, 2022, 6:17 PM

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None of them should have dummy data if you are in live mode.

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Do you have an example that I can look at?

night tulip Sep 12, 2022, 6:19 PM

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How would it not be dummy data if it's automatically getting generated with no data provided from a client?

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It looks like the generation of the Subscription is causing it to be created. Maybe we're passing in payment information through the Sub payload? I'd need to check.

fierce delta Sep 12, 2022, 6:23 PM

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I don't know what you mean by "dummy" data.

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ACH Credit Transfers works via a push from the customer to VBAN (virtual bank account number)

night tulip Sep 12, 2022, 6:24 PM

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It's possible that I saw this data in test mode, I'm not sure.

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The email was something like zero-0@stripe.com

fierce delta Sep 12, 2022, 6:24 PM

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Gotcha. Yes this is likely a testmode thing

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If you provide an example I'd be happy to take a look

night tulip Sep 12, 2022, 6:25 PM

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Ok, that makes sense. I'm just not seeing how we're pushing any ACH data to Stripe, which is why I was imagining that Stripe automatically creates this account for a customer internally.

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Let me see if I can find an example.

fierce delta Sep 12, 2022, 6:26 PM

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Yes you would not send us this data

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This is ACH Credit Transfer, not ACH Debit

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They are vastly different

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With Credit Transfer the customer sends an ACH transfer to an account number that we control. Then we reconcile the funds into your Stripe Account. Recommend reading through https://stripe.com/docs/sources/ach-credit-transfer

night tulip Sep 12, 2022, 6:30 PM

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Ok

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What ID would you need

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I can send you a live example

fierce delta Sep 12, 2022, 6:30 PM

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Customer or Source ID

night tulip Sep 12, 2022, 6:31 PM

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src_1LhGuzEkTO8kaKcKJujVSQZm

fierce delta Sep 12, 2022, 6:33 PM

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Okay can you clarify what you mean by dummy data here or what is unexpected? The owner email on the Source is generated due to the Customer object which the Source is attached to.

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This is necessary for the refund process for ACH CT

night tulip Sep 12, 2022, 6:33 PM

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Ok, but where is this account information coming from? I'm not seeing how we're sending that to Stripe.

fierce delta Sep 12, 2022, 6:33 PM

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The account number/routing are a VBAN that Stripe generates

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It is an account that Stripe controls

night tulip Sep 12, 2022, 6:34 PM

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Every since one of these is a Wells Fargo account - is that expected?

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So the Wells Fargo account is Stripe.

fierce delta Sep 12, 2022, 6:34 PM

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Yes it is our account

night tulip Sep 12, 2022, 6:34 PM

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So this source was automatically generated by Stripe?

fierce delta Sep 12, 2022, 6:34 PM

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Correct

night tulip Sep 12, 2022, 6:34 PM

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When does that happen during the process of Customer/Subscription creation?

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We don't need this account. We are importing them into our local system, however. But we are never using them.

fierce delta Sep 12, 2022, 6:36 PM

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This happens when you create a send_invoice Subscription and have ach_credit_transfer as a payment_method_type that can be used to pay the invoice(s)

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So if you don't want this

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Then you can turn this off in your invoice settings

night tulip Sep 12, 2022, 6:37 PM

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Do these automatically generated accounts need to be created for a customer with a "send_invoice" collection method? Is there another payment_method_type to use for these type of Subscriptions that wouldn't generate a source?

fierce delta Sep 12, 2022, 6:37 PM

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Let me link the page

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Yeah any other payment method type won't generate a Source since this is the only push-based (customer initiated) payment method type (in USD).

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So if you go to your Dashboard here: https://dashboard.stripe.com/settings/billing/invoice

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And turn off ACH Credit Transfer from the Default payment terms section

night tulip Sep 12, 2022, 6:38 PM

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I'm not seeing that we're indicating ach_credit_transfer anywhere in our codebase. Is that the default?

fierce delta Sep 12, 2022, 6:38 PM

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Then you won't see this Source created and your customers won't be able to pay you with ACH CT

night tulip Sep 12, 2022, 6:39 PM

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I'm not seeing And turn off ACH Credit Transfer from the Default payment terms section

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Is that permissions based?

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Oh, I see the icon for it.

fierce delta Sep 12, 2022, 6:43 PM

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Yep the "Manage" button

night tulip Sep 12, 2022, 6:43 PM

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If we turn off ACH Credit Transfer as a payment option, are we still able to create Subscriptions with a "send_invoice" collection method?

fierce delta Sep 12, 2022, 6:43 PM

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Yep

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It is not required by any means

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Just an option that you can offer if you want

night tulip Sep 12, 2022, 6:43 PM

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And the customer will simply not have any payment sources/methods at all in Stripe?

fierce delta Sep 12, 2022, 6:46 PM

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Correct. They would use the Hosted Invoice Page to pay with a Card or one of the other payment method options you have selected on the page above.

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You can test this out by creating a Customer in testmode with the owner email of your Stripe account and then creating a send_invoice Subscription for that Customer

night tulip Sep 12, 2022, 6:47 PM

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Can I safely detach these ACH Credit Transfer accounts from existing customers with "send_invoice" only Subscriptions?

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These are all subscriptions paid outside of stripe. We're just using Stripe in this case for subscription/invoice management.

fierce delta Sep 12, 2022, 6:50 PM

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Yep you can detach them if you want

night tulip Sep 12, 2022, 6:51 PM

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Does detaching them put these customers at risk at all in the future if they create a new Subscription with "send_invoice"? Or will another new ACH Credit Transfer account get generated by Stripe at that point?

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I'm trying to get these customers that switch between collection methods only have a single default payment ID associated with them. Some of these customers have both a default_source as well as a default_payment_method attached to their customer record, which gets confusing and potentially buggy.

fierce delta Sep 12, 2022, 6:53 PM

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If you have ACH CT enabled, and the Customer doesn't have an ACH CT Source attached, then a new one will be created when a Sub is created.

#Jkas