bentley-ach-mandate | Stripe Developers | Page 1

vivid whaleBOT Oct 18, 2022, 5:10 PM

#

hushed arch Oct 18, 2022, 5:10 PM

#

bentley-ach-mandate

queen cradle Oct 18, 2022, 5:10 PM

#

Hello

hushed arch Oct 18, 2022, 5:10 PM

#

Do you have more details like an exact request id req_123?

queen cradle Oct 18, 2022, 5:11 PM

#

We're working on an integration and created the bank pm using the API. I'm seeing that message when I attempt to create the payment via the Stripe dashboard.

#

{ "id": "mandate_1LuJ4lAIEGRSPHp6NfltP1WK", "object": "mandate", "customer_acceptance": { "accepted_at": 1666112135, "online": { "ip_address": "108.213.203.44", "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/106.0.0.0 Safari/537.36" }, "type": "online" }, "livemode": false, "multi_use": {}, "payment_method": "pm_1LuJ4kAIEGRSPHp62eh52L1h", "payment_method_details": { "type": "us_bank_account", "us_bank_account": {} }, "status": "active", "type": "multi_use" }

#

That's the mandate that got created for the bank PM

#

lemme see if I can pull more info from the webhook events

hushed arch Oct 18, 2022, 5:13 PM

#

You have an error, that error should return detailed information including request_log_url

queen cradle Oct 18, 2022, 5:14 PM

#

https://dashboard.stripe.com/test/logs/req_jdsymvCy9zOY9p?t=1666112245

#

Looks like "invalid request", but I didn't build the request.

rough compass Oct 18, 2022, 5:17 PM

#

Hi there 👋 taking over for @hushed arch

Give me a couple minutes to get caught up.

queen cradle Oct 18, 2022, 5:17 PM

#

Sorry, here's the request id. req_jdsymvCy9zOY9p

#

Oh, I should add that if I create the bank account PM through the dashboard it will create the mandate as offline and i'm able to make payments with it.

rough compass Oct 18, 2022, 5:21 PM

#

Have you looked into how to accept the mandate for this customer via the API? The error message seems to indicate that you haven't yet, so I would take a look at these docs first and come back if you have more questions: https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=mobile&ui=react-native#react-native-submit-payment

Accept an ACH Direct Debit payment

Build a custom payment form or use Stripe Checkout to accept payments with ACH Direct Debit.

queen cradle Oct 18, 2022, 5:25 PM

#

We're not processing a payment. We're only confirming a SetupIntent at this point. I then went into the dashboard to make sure that I could use the payment method after I verified it. That's when I get that error.

rough compass Oct 18, 2022, 5:31 PM

#

It's the same issue, just in a different place. You still need to collect the mandate as though you were creating a payment

queen cradle Oct 18, 2022, 5:33 PM

#

How do we go about that when using a SetupIntent? I'm reading this doc and can't quite tell. We're using our own UI to collect bank account info and a modal to display our legal jargon.
https://stripe.com/docs/payments/ach-debit/set-up-payment

Save details for future payments with ACH Direct Debit

Learn how to save payment method details for future ACH Direct Debit payments.

rough compass Oct 18, 2022, 5:36 PM

#

It's covered pretty verbosely in step 5: https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-collect-mandate-and-submit

There's recommended mandate text that you have the user accept here: https://stripe.com/docs/payments/ach-debit#recommended-mandate-text

#

Which part is confusing?

queen cradle Oct 18, 2022, 5:37 PM

#

I guess it's confusing because we're already doing step 5. It created the mandate I posted above.

#

Although, the code looks a bit different. I'm guessing because we're using our own UI to gather the bank account info.

#

.

📎 message.txt

#

That code results in a SetupIntent with a status of requires_action which is the micro-deposit verification. I've done that step as well as if I'm the owner of the bank account using the verification url or dashboard.

rough compass Oct 18, 2022, 5:42 PM

#

I believe you need to pass these fields in to the Setup Intent: https://stripe.com/docs/api/setup_intents/create?event_types-payment_intent.payment_failed#create_setup_intent-mandate_data-customer_acceptance-type

Stripe API reference – Create a SetupIntent – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

#

Or the Payment Intent, depending on which is giving you the error

queen cradle Oct 18, 2022, 5:44 PM

#

The SetupIntent is initially created server-side and the client_secret is sent up to the client-side. Client-side code is what I posted above. I'm not creating the PaymentIntent. I'm using the dashboard to create a payment.

#

#

This is the payment method that gets created. The associated mandate indicates that the customer accepted the mandate.

#

Everything seems fine, so I'm not sure what more we can do. 😩

rough compass Oct 18, 2022, 5:53 PM

#

Ahhh, okay. I don't think that's possible. The Setup Intent's client-secret needs to be passed into the Payment Intent during creation in order to indicate that the Payment Intent has been authenticated already and should be charged off-session. You can only do that via the API.

queen cradle Oct 18, 2022, 5:55 PM

#

So I have to persist the client secret? The docs explicitly say not to do that.

#

I see a mandate field on the PaymentIntent. Do I set that using the id of the mandate associated with my saved bank payment method?

rough compass Oct 18, 2022, 6:06 PM

#

queen cradle So I have to persist the client secret? The docs explicitly say not to do that.

You don't persist the client secret beyond the next step. You pass it to the client and use it with stripe.collectBankAccountForSetup (see step 4 here: https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-collect-details)

queen cradle Oct 18, 2022, 6:07 PM

#

We're using the secret then.

#

const createSetupIntent = async () => { const variables = { communityId: lease.community.id }; const response = await createSetupIntentMutation({ variables }); setClientSecret(response.data.createSetupIntent.setupIntent.clientSecret); };

rough compass Oct 18, 2022, 6:08 PM

#

queen cradle I see a `mandate` field on the `PaymentIntent`. Do I set that using the id of t...

I believe the Payment Intent will inherit the mandate from the Setup Intent, if you set up the payment flow the way the docs describe. So I don't think you have to explicitly set it on the Payment Intent itself

queen cradle Oct 18, 2022, 6:10 PM

#

The problem with that is that we're only saving payment method. The payment intent will happen way later and is not part of this use case.

#

Okay, I got it to work. In PostMan I'm able to call {{baseUrl}}/v1/payment_intents and use the mandate associated with my saved bank account payment method. Just have to set confirm to true.

rough compass Oct 18, 2022, 6:20 PM

#

That makes sense. The error seemed to indicate that would work, so I'm glad that's the case

queen cradle Oct 18, 2022, 6:22 PM

#

Yup, thank you for help and patience! Is there anyone I can contact to let them know how grateful I am?

rough compass Oct 18, 2022, 6:29 PM

#

I appreciate the feedback! I can surface it via this thread, if you like (positive and critical feedback alike)

#bentley-ach-mandate