pulse-chris -ach_debit - us_bank_account | Stripe Developers | Page 1

dense driftBOT Oct 3, 2022, 3:54 PM

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kindred shadow Oct 3, 2022, 3:54 PM

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Manifest or mandate?

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And can you share the ID (ba_XXX)

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?

dense laurel Oct 3, 2022, 3:56 PM

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sorry, mandate

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yes, one second

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what's weird is the API recently told us that we needed to ad us_bank_account as a type

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which we've never needed

kindred shadow Oct 3, 2022, 3:58 PM

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Okay that link isn't something I can use (Dashboard links are specific to your login session).

dense laurel Oct 3, 2022, 3:58 PM

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I added it

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ah, ok

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one sec

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ba_1IvZlQKaApx60PlPEkQBYPpI

kindred shadow Oct 3, 2022, 3:59 PM

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Perfect, thanks! Also here's a bit of what we have about Mandates and US bank accounts
https://stripe.com/docs/payments/ach-debit#mandates

dense laurel Oct 3, 2022, 3:59 PM

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but we aren't using us_bank_accounts

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we used plaid to get this ba_

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so how would we have a mandate?

kindred shadow Oct 3, 2022, 4:02 PM

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Okay it doesn't matter that you are using Plaid. Plaid creates a us_bank_account payment method in Stripe.

dense laurel Oct 3, 2022, 4:06 PM

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in the past, the type has always been ach_debit

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and where do we get a mandate from?

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and how do we get mandates for the hundreds of Plaid provided bank accounts that we already have in our system?

kindred shadow Oct 3, 2022, 4:08 PM

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We show how you can do it when processing a payment here:
https://stripe.com/docs/payments/ach-debit/migrations#mandate-acknowledgement

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But essentially you can send an automated email with the recommended mandate text we specify here:
https://stripe.com/docs/payments/ach-debit#recommended-mandate-text

dense laurel Oct 3, 2022, 4:09 PM

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I don't understand.

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ok

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in the past, we have always used type=ach_debit, then last week, the API told us we needed to use us_bank_account

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so we added that, now we are told we need mandates

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what type=ach_debit removed an no notification sent to us from stripe that a functionality was being removed?

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we have.......hundreds of Plaid provided bank accounts

kindred shadow Oct 3, 2022, 4:10 PM

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banks are changing their requirements

dense laurel Oct 3, 2022, 4:10 PM

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how is Stripe communicating that with impacted users (me)

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this is crazy

kindred shadow Oct 3, 2022, 4:11 PM

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That can leave more to be desired. AFAIK ach_debit is not deprecated per se but we just encourage the use of us_bank_account and Plaid is updating how their integration behaves.

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pulse-chris -ach_debit - us_bank_account

dense laurel Oct 3, 2022, 4:14 PM

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I'd consider it less than "leave more to be desired"

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this is not a small thing for us

kindred shadow Oct 3, 2022, 4:15 PM

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And are your current ach_debit payment methods resulting in failed payments?

dense laurel Oct 3, 2022, 4:15 PM

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yes, I'm trying to find it

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The PaymentMethod provided (us_bank_account) is not allowed for this PaymentIntent. Please attach a PaymentMethod of one of the following types: ach_debit. Alternatively, update the allowed payment_method_types for this PaymentIntent to include "us_bank_account".

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The issue started about Sept. 20th

kindred shadow Oct 3, 2022, 4:28 PM

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But for the payment methods that are ach_debit. Are those getting declined? And do you have the request ID for the request that created this payment method?

dense laurel Oct 3, 2022, 4:30 PM

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yes, 100% of all our payment methods that are ba_ we have always used ach_debit, and some started declining on the 20th

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looking for a req_

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so.....this is super odd

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we record all the requests and errors and what not from the API

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And every single one that had this issue is gone in stripe

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this one, we always process on the 24th, and our db/logs show it talking with stripe on the 24th, then again on the 26th, and again on the 28th

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but Stripe only shows the one on the 28th

kindred shadow Oct 3, 2022, 4:35 PM

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Hmmm that is odd.

dense laurel Oct 3, 2022, 4:36 PM

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very

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I have logs of us trying it on the 24th and 26th and Stripe API telling us to use us_bank_account, but those are gone

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unfortunately, I don't log the req_ but obviously will start doing that

kindred shadow Oct 3, 2022, 4:42 PM

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You should be able to see the failed requests in your API logs in the Stripe dashboard. You might have to clear out the default filters though.

dense laurel Oct 3, 2022, 4:45 PM

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req_r0I8Doywhyrs0o

kindred shadow Oct 3, 2022, 4:46 PM

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Great, thanks

dense laurel Oct 3, 2022, 4:47 PM

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so that's on a customer that has used that ba_ for months

kindred shadow Oct 3, 2022, 4:49 PM

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Okay, and then you deleted the payment method?

dense laurel Oct 3, 2022, 4:50 PM

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ya, it does look like that, a lot of our tenants/clients went and "fixed" this by asking their customers for new payment methods

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req_EVsBtn4NFOJMoE

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this one our tenant/client has not deleted the ba_ on

kindred shadow Oct 3, 2022, 4:58 PM

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Yes that is showing type of bank_account

dense laurel Oct 3, 2022, 4:59 PM

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but we've always used type ach_debit

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and then were told by the api, randomly, to use us_bank_account

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which is why I'm here now

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why the sudden change in requirements from the API?

kindred shadow Oct 3, 2022, 5:01 PM

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Honestly this seems like it needs more focused attention than I can give here. Can you write in to Support and mention my screen name?
https://support.stripe.com/contact/email

Then I can grab the message and spend more time investigating this.

dense laurel Oct 3, 2022, 5:01 PM

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ya, one sec

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email sent

kindred shadow Oct 3, 2022, 5:04 PM

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Okay great.

dense laurel Oct 3, 2022, 5:04 PM

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coolio

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thanks for hanging in there with me on this

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this dev chat is seriously the best

kindred shadow Oct 3, 2022, 5:05 PM

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Got it. I'll. be investigating this one more deeply and will get back to you via email

dense laurel Oct 3, 2022, 5:05 PM

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I owe you all drinks one day

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cool, peace

kindred shadow Oct 3, 2022, 5:05 PM

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We're happy to do it 🙂

dense laurel Oct 3, 2022, 5:05 PM

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well, i don't owe you drinks, my boss does

kindred shadow Oct 3, 2022, 5:05 PM

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😁

cyan trench Oct 3, 2022, 5:08 PM

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hello! I'm looking into this

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@dense laurel are you still around?

#pulse-chris -ach_debit - us_bank_account