keith41281 | Stripe Developers | Page 1

main loomBOT Oct 25, 2022, 2:29 AM

#

vagrant arrow Oct 25, 2022, 2:30 AM

#

hello! can you share more details? What do you mean by some users can complete a connection to a bank and some cannot? i.e. Are you encountering any errors? Can you share the steps taken?

bright summit Oct 25, 2022, 2:39 AM

#

step one we are able to login to our chase account. Step 2 it completes the transaction and see a screen that says you have succesfully connected your accounts. Please close this window. There are no close buttons shown. The account does not show in our apps account section.

#

Another test user was able to connect to chase and saw the bank account in our app

vagrant arrow Oct 25, 2022, 2:40 AM

#

do you have the request ids or a corresponding object id for those two sessions e.g. the financial connection session id?

bright summit Oct 25, 2022, 2:40 AM

#

I do not.

#

where would i find that?

vagrant arrow Oct 25, 2022, 2:42 AM

#

https://stripe.com/docs/api/request_ids

bright summit Oct 25, 2022, 2:44 AM

#

i am looking at the logs what do you need me to send

vagrant arrow Oct 25, 2022, 2:45 AM

#

can you share the request id for both of those attempts i.e. where the account does not show in your apps, and the other attempt where the test user was able to connect and see the bank account in your app

bright summit Oct 25, 2022, 2:48 AM

#

not sure if this is the one for adding the bank that failed. Please check as there are multiple request id's
req_UtOsYgSJwzwkow

#

req_bbXQNBYTPmaOix

#

req_H3vOZqPYhKNN9f

#

i think these last two are the ones that failed

vagrant arrow Oct 25, 2022, 2:51 AM

#

hmmm

#

which one is the one that succeeded?

bright summit Oct 25, 2022, 2:52 AM

#

havent found it yet. waiting for my other developer to provide it

#

fca_1LvuA3B0CasBeoGbvwb2isL5

vagrant arrow Oct 25, 2022, 2:54 AM

#

fca_1LvuA3B0CasBeoGbvwb2isL5 - is this the one that succeeded or failed?

bright summit Oct 25, 2022, 2:55 AM

#

succeded

#

did you need the response id or the request id on the two failures

vagrant arrow Oct 25, 2022, 3:01 AM

#

gimme a second, still looking

bright summit Oct 25, 2022, 3:01 AM

#

ok. thanks

vagrant arrow Oct 25, 2022, 3:04 AM

#

for fca_1LvuA3B0CasBeoGbvwb2isL5 -> the corresponding customer is cus_MALR4KEqTxFEg0 and the bank account on it was created way before : https://dashboard.stripe.com/logs/iar_aNNbIR37sejTN3. So i don't think the financial connection added an additional bank account or anything. Your app was likely just displaying the already existing bank account.

#

can you point me to which Stripe guide you're referring to when implementing financial connections?

bright summit Oct 25, 2022, 3:07 AM

#

financial connection API documentation

#

that bank account add was done in august through plaid

#

we are switching to financial connections

vagrant arrow Oct 25, 2022, 3:09 AM

#

to clarify, which guide on the left menu are your developers looking at : https://stripe.com/docs/financial-connections

bright summit Oct 25, 2022, 3:10 AM

#

https://stripe.com/docs/financial-connections

vagrant arrow Oct 25, 2022, 3:10 AM

#

financial connections cover a very wide range of use cases - i'd like to know what are you using it for? are you just using it to be able to retrieve balances....or?

bright summit Oct 25, 2022, 3:12 AM

#

to get the user to add their bank account to our app and check balances

#

we are only able to test chase and bank of america as those are the only two banks we can test in live mode

vagrant arrow Oct 25, 2022, 3:19 AM

#

do you want to be able to debit those bank accounts too?

bright summit Oct 25, 2022, 3:20 AM

#

yes, the customer is making a purchase from their checking account using financial connections ACH

#

the logs are showing as if they are connected but its not completing the append to the customer account

vagrant arrow Oct 25, 2022, 3:26 AM

#

to make payment using their checking account is what we call ACH debit payment. You'd want to collect a bank account first - how are you collecting the bank account? Are you using Stripe Checkout, Payment Element, or a custom payment form i.e. stripe.collectBankAccountForPayment?

bright summit Oct 25, 2022, 3:28 AM

#

we are using financial connections widget. Its the same widget that is referenced in the payment elements system for bank sellection

vagrant arrow Oct 25, 2022, 3:30 AM

#

are you the developer?

bright summit Oct 25, 2022, 3:30 AM

#

no. im on the phone with the developer

#

im the project manager

#

he is providing the answers

vagrant arrow Oct 25, 2022, 3:31 AM

#

this would probably be a lot easier if your developer can join this discussion on discord

bright summit Oct 25, 2022, 3:31 AM

#

how do i add him

vagrant arrow Oct 25, 2022, 3:31 AM

#

you can ask him to join https://stripe.com/go/developer-chat and then join this thread

bright summit Oct 25, 2022, 3:32 AM

#

where do i find the thread number

vagrant arrow Oct 25, 2022, 3:32 AM

#

maybe try https://discord.com/channels/841573134531821608/1034292396499935333

bright summit Oct 25, 2022, 3:33 AM

#

he is coming

livid glen Oct 25, 2022, 3:33 AM

#

Hello

bright summit Oct 25, 2022, 3:34 AM

#

hey

vagrant arrow Oct 25, 2022, 3:34 AM

#

@livid glen are you using the Payment Element to collect the bank account details?

livid glen Oct 25, 2022, 3:35 AM

#

No, we're using the JS widget for Bank Selection (similiar to how P. Element utilizes the Bank Selection)

vagrant arrow Oct 25, 2022, 3:35 AM

#

do you mean you're using stripe.collectBankAccountForPayment?

livid glen Oct 25, 2022, 3:36 AM

#

var stripe = Stripe(result.stripe_api_key);
stripe.collectFinancialConnectionsAccounts({
clientSecret: result.financial_connection_response.client_secret
})

#

Using V3 JS

#

Here is a sample snippet

function financialConnection(result) {
console.log('stripe initialization');
var stripe = Stripe(result.stripe_api_key);
stripe.collectFinancialConnectionsAccounts({
clientSecret: result.financial_connection_response.client_secret
})
.then(function(result) {
console.log('result',result);
if (result.error) {
// Inform the customer that there was an error.
console.log('error_message 571',result.error.message);

  // Handle next step based on length of accounts array
} else if (result.financialConnectionsSession.accounts.length === 0) {
  console.log('No accounts were linked');
} else {
  console.log('success 577',result.financialConnectionsSession.accounts);
  var stripe_financial_store = "{{url('stripe_financial_connection')}}";
  $.ajax({
    url: stripe_financial_store,
    method: "POST",
    data: {
      "financial_id": result.financialConnectionsSession.accounts[0].id,
      "last_four_digits": result.financialConnectionsSession.accounts[0].last4,
      "bank_name": result.financialConnectionsSession.accounts[0].institution_name
    },
    success: function(result) {
      console.log(result);
      if(result.message == 'stripe_financial_connection') {
        $('#popup-financial-success').modal('show');
      } 
    
    },
  });
}

}).catch((error) => console.log('catch error', error));
console.log('stripe last');
}

vagrant arrow Oct 25, 2022, 3:39 AM

#

gimme a while to 👀

#

is there a reason why you're using stripe.collectFinancialConnectionsAccounts instead of following either of these guides?
https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API
https://stripe.com/docs/payments/ach-debit/set-up-payment

livid glen Oct 25, 2022, 3:43 AM

#

Firstly - The reference is actually not about making a PAYMENT (paymentIntent) but about capturing and storing the customers Bank Account details

#

Let me review your second link right now

#

Could you let me know why we'd use the : stripe.collectBankAccountForPayment instead of the stripe.collectFinancialConnectionsAccounts

vagrant arrow Oct 25, 2022, 3:46 AM

#

for context, from what i understand from stripe.collectFinancialConnectionsAccounts - it doesn't create / attach a bank account i.e. (ba_ object) to the customer automatically. This is why you aren't seeing any bank account created on the customer.

If you review this page : https://stripe.com/docs/financial-connections/other-data-powered-products?platform=web#accept-ach-direct-debit - you'll see that you'll subsequently need to create a PaymentIntent or SetupIntent to attach the bank account to the customer or make payment if you use stripe.collectFinancialConnectionsAccounts

#

for your use case, you should follow https://stripe.com/docs/payments/ach-debit/set-up-payment

livid glen Oct 25, 2022, 3:48 AM

#

Yes ... but you need to first generate a connection with FC (generating a FC customer account), so that you can then connect and store that account. You'll notice in the link you provided (set-up-payment) the "payment_method_data" references an "FCA_" account

// Set your secret key. Remember to switch to your live secret key in production.
// See your keys here: https://dashboard.stripe.com/apikeys
$stripe = new \Stripe\StripeClient('OOGA_BOOGA');

$stripe->paymentIntents->create(
[
'payment_method_types' => ['us_bank_account'],
'payment_method_data' => [
** 'us_bank_account' => ['financial_connections_account' => 'fca_...'],**
'type' => 'us_bank_account',
'billing_details' => ['name' => 'J. Customer'],
],
'amount' => 100,
'currency' => 'usd',
]
);

Stripe Login | Sign in to the Stripe Dashboard

Sign in to the Stripe Dashboard to manage business payments and operations in your account. Manage payments and refunds, respond to disputes and more.

vagrant arrow Oct 25, 2022, 3:49 AM

#

umm, please don't share your test secret key

#

this is a public channel and you should consider it as compromised and roll it

livid glen Oct 25, 2022, 3:50 AM

#

That was from your documentation

vagrant arrow Oct 25, 2022, 3:50 AM

#

ah alright, but if you're logged in to your Stripe account, it may display your secret key

#

i don't think we're referring to the same page? If i refer to https://stripe.com/docs/payments/ach-debit/set-up-payment - it doesn't include an fca session at all in the API calls

livid glen Oct 25, 2022, 3:56 AM

#

Yes thats correct, and we're attempting to utilize Financial Connections to get the customers bank details.

So are you saying that in order to use FInancial Connections to do this (with the popup UI) we have to use this flow: https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API

vagrant arrow Oct 25, 2022, 3:57 AM

#

if you want to collect the bank account details upfront (and not collect payment immediately), you should follow this guide : https://stripe.com/docs/payments/ach-debit/set-up-payment
If you want to collect the bank account details to make payment immediately, you should follow this guide : https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API

livid glen Oct 25, 2022, 4:02 AM

#

Ok to be clear, we're trying to get the customers bank account (via the POPUP UI), but the above /set-up-payment link you provided is for normal setup.

In order to even utilize a FC account within this flow, you need to have first created this connection with the customer.

https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#access-data-on-a-financial-connections-bank-account
*This step only applies if you opted to request permission to additional account data when creating your SetupIntent.

After your customer successfully completes the Stripe Financial Connections authentication flow, the us_bank_account PaymentMethod returned includes a Financial Connections account ID. Use this ID to access account data.

To determine the Financial Connections account ID, retrieve the payment intent and expand the payment_method attribute:*

#

Or are you saying that if we follow this path (https://stripe.com/docs/payments/ach-debit/set-up-payment) we can utlize FC still ? and if so, is this documented somewhere (possibly with an example)

And later on when we place an ORDER (payment intent) can we still utilize FC for these accounts for Balance checks

vagrant arrow Oct 25, 2022, 4:06 AM

#

if you follow that guide, it's using FC behind the scenes. If you want to utilize FC for those accounts for balance checks, then you would include that permission when creating the SetupIntent i.e. "payment_method_options[us_bank_account][financial_connections][permissions][]"=balances

#

yes, you can still utilize FC for balance checks

#

you'd probably want to ensure that you only support instant verification though : https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#instant-only-verification

#

iirc, microdeposits doesn't use FC behind the scenes

livid glen Oct 25, 2022, 4:13 AM

#

Please confirm that using the above flow, will still utilize the FC Popup UI (the modal that allows you to pick your bank ... and verify your account..etc).

See below image

bright summit Oct 25, 2022, 4:13 AM

#

vagrant arrow Oct 25, 2022, 4:16 AM

#

yes it will allow you to pick your bank and verify your account etc

livid glen Oct 25, 2022, 4:19 AM

#

@vagrant arrow Ok thank you. We plan to refactor our flow accordingly and will continue to test.

Are you available same time tomorrow ? and/or whats your availability

vagrant arrow Oct 25, 2022, 4:20 AM

#

you can reach out anytime on discord. I may not be around but my colleagues will be (except on the weekends)

livid glen Oct 25, 2022, 4:20 AM

#

Can they access this sub-channel ?

vagrant arrow Oct 25, 2022, 4:21 AM

#

this thread will automatically be closed after some time. I'd suggest posting your question again on the main channel i.e. #dev-help

#

if necessary, you can point them to this thread again with this link : https://discord.com/channels/841573134531821608/1034292396499935333

#

yes, they can read through what we discussed in this thread too

#keith41281