Hendie - ach | Stripe Developers | Page 1

copper wingBOT Nov 30, 2022, 7:54 PM

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manic turret Nov 30, 2022, 7:54 PM

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hey there @ionic cape can you say a bit more about what you're trying to do, and what isn't doing what you expect?

ionic cape Nov 30, 2022, 7:56 PM

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so we are charging our merchants via ACH, and so I would expect those funds to show under our platform balances under bank_account. Like this charge (https://dashboard.stripe.com/payments/pi_3M7ovJBb9dNaU75s09og6jSD) which cleared today. But our current "bank" balance has been $0 for a couple of weeks now?

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we are using the payment intent api, so I believe we are on the latest api.

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the thing is we need to sometimes pay money (transfer) to other connected accounts from such "bank_account" funds (using that as source_type in transfers), and with $0 balance always it will give us insufficient funds if we now try it?

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here is the latest balances response:

{
  "object": "balance",
  "available": [
    {
      "amount": 2989788,
      "currency": "usd",
      "source_types": {
        "bank_account": 0,
        "card": 2989788
      }
    },
    {
```

ionic cape Nov 30, 2022, 8:21 PM

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hello?

manic turret Nov 30, 2022, 8:21 PM

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still looking into this

ionic cape Nov 30, 2022, 8:21 PM

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👍

manic turret Nov 30, 2022, 8:23 PM

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The balance for that payment isnt set to be available until tomorrow, from what i can see

ionic cape Nov 30, 2022, 8:24 PM

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well, it's one of many, there were others yesterday and the day before, etc

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none of them end up affecting bank_balance

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seems everything gets lumped in with card balance

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so now I need to know whether bank_account balance is to be ignored now, and where is that documented?

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the source-

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the source_type parameter for transfers still list it as an option: https://stripe.com/docs/api/transfers/object#transfer_object-source_type

Stripe API reference – The transfer object – 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.

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we know that "The source balance this transfer came from" is bank_account, has been ever since we implemented our ACH offering more than a year ago.

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so something changed

manic turret Nov 30, 2022, 8:34 PM

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Did you recently switch to using the newer ACH integration?

ionic cape Nov 30, 2022, 8:34 PM

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which is the newer ACH ?

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the link I gave to is how we do ach, via payment intents

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I did not know there was another way

manic turret Nov 30, 2022, 8:42 PM

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There was an older integration using the Charges API directly, but if you weren't using that then not relevant

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Using us_bank_account with payment intents is the "newer" integration 🙂

ionic cape Nov 30, 2022, 8:44 PM

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ok, so what about where the balance goes?

manic turret Nov 30, 2022, 8:46 PM

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It's looking like the combined payments/default balance is expected for this integration, where the older Charges integration ended up in the bank_account balance.

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Are you saying you've been using PIs only, and this changed recently for you?

ionic cape Nov 30, 2022, 8:47 PM

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so what should we be using for source_type and which balance should we check for avaiable funds? and where is this change documented?

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I am saying that , yes

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we noticed that the bank_balance is now always $0

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if source_type bank_account is deprecated, should your documentation not reflect that?

manic turret Nov 30, 2022, 8:50 PM

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What do you see this having changed in your integration?

ionic cape Nov 30, 2022, 8:51 PM

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well, at one point in our logic we check whether we can make a transfer based on the bank_account balance, and that is where we are now stuck - that value never goes above $0 anymore

latent matrix Nov 30, 2022, 8:52 PM

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Hendie - ach

ionic cape Nov 30, 2022, 8:53 PM

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if I need to always just look at the balance.available.amount, and ignore the source_types, then fine, but I need to know that for sure

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thing is when we worked with you guys to build our ACH offering we were told to rely on the bank balance to be safe, if that is not true anymore, I would still really like to see where that's documented - that all funds go in one balance pool now?

latent matrix Nov 30, 2022, 8:56 PM

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Yes, that should be the standard check to see if you can make a transfer.

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I will put in feedback to make sure we flag that in our docs, that is definitely an important distinction to make here.

ionic cape Nov 30, 2022, 8:57 PM

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thank you, so we will now just check balance.available.amount, right ?

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and use source_type card?

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which is kinda confusing, but ok

manic turret Nov 30, 2022, 9:01 PM

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I agree its confusing, it confused me too!

ionic cape Nov 30, 2022, 9:02 PM

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just need confirmation on my last two question please

manic turret Nov 30, 2022, 9:05 PM

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About what to look at?

ionic cape Nov 30, 2022, 9:06 PM

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yes

manic turret Nov 30, 2022, 9:06 PM

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Yes, the card balance is where this is aggregated for ACHv2

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Using the legacy ACH Charges flow would still leave you with a separated bank_account balance

ionic cape Nov 30, 2022, 9:07 PM

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what is legacy ACH ?

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is that just NO PI?

manic turret Nov 30, 2022, 9:07 PM

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(You can ignore this, its the old Charges flow you said yo don't use.)

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Yea, before ACH was supported on Payment Intents with Payment Methods

ionic cape Nov 30, 2022, 9:08 PM

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ok, makes sense

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thanks a lot for your time

manic turret Nov 30, 2022, 9:08 PM

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NP - thanks for your patience

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We're going to work on what we can do to make thise easier to learn about in the docs and API reference

#Hendie - ach