Anuroop | Stripe Developers | Page 1

vivid siloBOT Dec 23, 2022, 6:43 PM

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quartz river Dec 23, 2022, 6:43 PM

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Thanks for testing. Can you provide the PaymentMethod ID so I can take a look?

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My understanding was that we carry all relevant data down when the clone occurs

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But maybe this isn't the case with skipping verification unless your Connected Account is also approved for that feature? Let me check.

delicate harness Dec 23, 2022, 6:44 PM

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Getting the ID now

quartz river Dec 23, 2022, 6:45 PM

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Or potentially you do have to also use a SetupIntent to indicate you are skipping verification on the Connected Account. I haven't actually tested cloning + skipping verification before. My understanding is that it "just works", but maybe that was incorrect.

delicate harness Dec 23, 2022, 6:47 PM

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Sorry it's taking a bit to find the payment id, it may not have attached correctly.

quartz river Dec 23, 2022, 6:47 PM

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No worries.

delicate harness Dec 23, 2022, 6:48 PM

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pm_1MIFzC2XRZBXnduIk4gxzKkt

quartz river Dec 23, 2022, 6:48 PM

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Thanks, let me take a look

delicate harness Dec 23, 2022, 6:48 PM

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Here it is

quartz river Dec 23, 2022, 6:49 PM

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Hmmm odd that bank account does show verified due to the skip

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Ahhh

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You are using a legacy object

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Not a PaymentMethod

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You are using bank account objects

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One sec

delicate harness Dec 23, 2022, 6:51 PM

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Sure

quartz river Dec 23, 2022, 6:52 PM

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Is there a reason you are creating bank account objects on your platform as opposed to us_bank_account PaymentMethods?

delicate harness Dec 23, 2022, 6:53 PM

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Hmm I'm actually not sure, it's an existing helper method that I chose to use.

quartz river Dec 23, 2022, 6:53 PM

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You are currently mixing the legacy ACH flow (which uses the bank account object ba_xxx) with the new ACH flow (which uses us_bank_account PaymentMethod objects pm_xxxx)

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So yeah that is why you are encountering the mandate issue

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Because the new flow requires a mandate to be set up

delicate harness Dec 23, 2022, 6:54 PM

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Okay instead if I use the payment method objects to create a US bank account directly I should not see this

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?

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@safe thorn

quartz river Dec 23, 2022, 6:55 PM

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You need to use a SetupIntent and pass mandate_data: https://stripe.com/docs/api/setup_intents/create#create_setup_intent-mandate_data

delicate harness Dec 23, 2022, 6:55 PM

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Tagging my colleague for visibility

quartz river Dec 23, 2022, 6:55 PM

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You can technically do this with the legacy object too

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We actually document this here: https://stripe.com/docs/payments/ach-debit/migrations

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But overall I would recommend just using the newer PaymentMethod object

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Let's walk through the flow

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Are you going to be creating these objects server-side?

delicate harness Dec 23, 2022, 6:56 PM

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Yes

quartz river Dec 23, 2022, 6:56 PM

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As-in you already have the bank account details from your customers

delicate harness Dec 23, 2022, 6:56 PM

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Yep, we collect the details and create these payment methods on Stripe

quartz river Dec 23, 2022, 6:57 PM

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Gotcha

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Okay let me type out the flow

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The simplest way to do this, and what I would recommend, is to just create a SetupIntent on your platform (https://stripe.com/docs/api/setup_intents/create) and pass the following parameters:

customer
confirm
payment_method_data.us_bank_account (here you pass the account_number and routing(
payment_method_options.us_bank_account.verification_method: skip

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Oops

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I forgot mandate_data

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So and mandate_data (https://stripe.com/docs/api/setup_intents/create#create_setup_intent-mandate_data)

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If you pass all of those parameters you will create a us_bank_account PaymentMethod on your platform that is verified and has a mandate.

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And it will be attached to the Customer that you passed to the SetupIntent as well

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Then you clone the PaymentMethod like we show here: https://stripe.com/docs/payments/payment-methods/connect#cloning-payment-methods

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Then attach it to a Customer on your Connected Account using https://stripe.com/docs/api/payment_methods/attach. Then you create the Sub and use that PaymentMethod

delicate harness Dec 23, 2022, 7:02 PM

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Okay makes sense.

quartz river Dec 23, 2022, 7:03 PM

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One more thing is that after you attach the PaymentMethod to the Customer on the Connected Account you will want to update the Customer to set the PaymentMethod as the invoice_settings.default_payment_method (https://stripe.com/docs/api/customers/update#update_customer-invoice_settings-default_payment_method)

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Then you don't have to pass the PaymentMethod when you create the Subscription, it will automatically be used for any Subs for that Customer

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(Unless you do want to use separate PaymentMethods for separate Subs on the same Customer that is)

delicate harness Dec 23, 2022, 7:04 PM

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Perfect. Thanks for the write up, will try this out thanks!

safe thorn Dec 23, 2022, 7:05 PM

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Thank you!

#Anuroop