wayo-ach-verification | Stripe Developers | Page 1

pale saddleBOT Jan 10, 2023, 4:49 PM

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stoic sky Jan 10, 2023, 4:52 PM

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Hello 👋
With ACH and instant verification, the customer typically logs into their bank account to provide account information as shown in the payment flow.
https://stripe.com/docs/payments/ach-debit#payment-flow

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I believe a successful sign-in validates the account.

golden drum Jan 10, 2023, 4:59 PM

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https://support.stripe.com/questions/nacha-bank-account-validation-rule

I am trying to be Nacha compliant and it does say bank account validation happens using instant verification is that right?

near wagon Jan 10, 2023, 5:01 PM

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correct, you don't need to do anything else

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wayo-ach-verification

golden drum Jan 10, 2023, 5:02 PM

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If instant verification fails, can micro deposits be successful?

near wagon Jan 10, 2023, 5:04 PM

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yes

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it depends on the bank and what they support

golden drum Jan 10, 2023, 5:07 PM

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Thanks!

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I use subscriptions with a set amount to take payments. I was wondering if there was a way to use subscriptions but have the customer choose the amount they want to pay. Or what options do I have?

near wagon Jan 10, 2023, 5:10 PM

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Yes this is all possible! You would ask them how much to pay and then create a Price for that specific amount/currency and then subscribe them to this Price

golden drum Jan 10, 2023, 5:12 PM

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So I would just need to update the payment intent field amount ? The PI should be tied to subscriptions, I believe.

near wagon Jan 10, 2023, 5:14 PM

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no not at all. You would need to do what I described

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A PaymentIntent has no Price, it's just an amount, and it doesn't do anything recurring.

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What you need to do is control the Price associated with the Subscription when you create it

golden drum Jan 10, 2023, 5:22 PM

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This would work with a different amount each time they pay?

near wagon Jan 10, 2023, 5:23 PM

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I don't know what that means, please try to be descriptive with concrete examples of what they pay when. But it's quite uncommon to have a subscription monthly where you change the amount to pay each month

golden drum Jan 10, 2023, 5:25 PM

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I realized it's uncommon so I was wondering if possible at all. But basically the customer will be able to pay what they want each time they want to make a payment.

near wagon Jan 10, 2023, 5:32 PM

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then yes it's possible if you handle this yourself, either for each payment or changing the Price each month

golden drum Jan 10, 2023, 5:39 PM

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I see price is an object and is part of the subscription object inside items property. So we just update the property unit_amount inside the Subscription object?

near wagon Jan 10, 2023, 5:40 PM

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no that's not at all how Subscriptions work unfortunately

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you don't just change an amount. A Subscription has one or multiple Price(s) objects associated with it, and you need to move the Subscription to a new Price object. So they are on Price price_A for $10/month and if next month they want to donate $27/month then you create Price price_B for $27/month and then you switch it to that Price

golden drum Jan 10, 2023, 5:44 PM

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We would add another Price object by appending it to the data property inside the items property?

How do we "switch it to that Price"?

near wagon Jan 10, 2023, 5:46 PM

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https://stripe.com/docs/billing/subscriptions/upgrade-downgrade please take some time to carefully go through our docs and understand how Subscriptions work

#wayo-ach-verification