#wayo

1 messages · Page 1 of 1 (latest)

timid ironBOT
pearl ice
#

Unfortunately I'm not that familiar with Plaid's offerings here. Can you tell me a bit more about what instant auth and instant match are here?

marsh mirage
#

They are both very similar. Basically the user enters their login information on the Plaid pop up , choose an account like savings, checkings, etc, and if information entered matches, they instantly get a success message that their bank account has been linked and is ready to use.

pearl ice
#

Gotcha, so yes that would be our ACH accept a payment doc

#

Our ACH flow allows customers to pay with their US bank accounts or save their details to pay later

marsh mirage
pearl ice
#

Exactly!

marsh mirage
#

So what exactly are the users going to input in order to link their bank account? On step 4 of the guide, it says it opens up a dialog, but I don't see the UI anywhere.

pearl ice
#

Have you made that collectBankAccountForPayment call? I believe it should display a modal on the page where the data can be added

marsh mirage
#

I tried but I keep getting an error when the function is called. It was last week but I believe the error was something similar to the function didn't exists. Maybe this is on my end, but what would be the inputs that should come up?

pearl ice
#

If you run the code again and send us the exact error you are getting we can look in to it here

marsh mirage
#

I see. Do you have a UI where the user enters their account number and routing number only and they skip verification? I was thinking it was instant verification, but based on the docs, it says users enter their login info.

Does Stripe have this UI, can skip verification and still be NACHA compliant ?

pearl ice
#

I don't think we allow skipping verification, we require either instant or microdeposit verification

marsh mirage
#

I thought when creating a payment intent you give it this data and verification would be skipped? We were approved to skip verification.

stripe.paymentIntents.create({
payment_method_options: {
 us_bank_account: { 
    verification_method: 'instant'
}
}
})
pearl ice
#

I may have misunderstood your question then. Yes, that would be the way to force instant verification only for an account

marsh mirage
pearl ice
#

As far as I know we only have the UI for instant or microdeposit verification.

#

Can you tell me more about "We were approved to skip verification."? I may not be understanding what you are going for here

marsh mirage
#

Stripe needs to approve its users to skip verification since it is risky using this method since we are trusting the customer to enter their bank info correctly and trust the bank exists based on the info entered.

marsh mirage
marsh cairn
#

👋 stepping in

#

Yes we do support skip verification

#

It would be stripe.paymentIntents.create({ payment_method_options: { us_bank_account: { verification_method: 'skip' } } }) if you are already approved

#

Have you tried that?

marsh mirage
#

At the moment, I am doing research and getting a plan together for implementation later.

marsh cairn
#

Ah okay

#

So yes, if you do have approval for skip verification then you can skip using the manner above

#

Let me know if I can answer any further questions

marsh mirage
marsh cairn
#

Ah sorry

#

Missed that question

#

Yes that is correct

#

We open up an iframe with a modal that has a login for the customer with their bank to authenticate with their bank

marsh mirage
#

And is this the case for every bank that Stripe supports?

marsh cairn
#

Yes if you use stripe.js

#

You can collect the bank details yourself if you want and use microdeposits or skip verification without using the stripe.js modal for bank authentication

marsh mirage
#

I think those are all my questions for now. Thanks for the help.