Ksamuel - ACH attach error | Stripe Developers | Page 1

faint wolfBOT Feb 16, 2023, 6:11 PM

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quartz siren Feb 16, 2023, 6:11 PM

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Hello

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Can you provide an example PaymentIntent where you saw this error?

carmine glen Feb 16, 2023, 6:13 PM

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sure thing

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{
"error": {
"message": "PaymentMethods of type us_bank_account must be verified before they can be attached to a customer.",
"payment_intent": {
"id": "pi_3McBqiBAuPO34Ji61bq2TLtA",
"object": "payment_intent",
"amount": 100,
"amount_details": {
"tip": {
}
},
"automatic_payment_methods": {
"enabled": true
},
"canceled_at": null,
"cancellation_reason": null,
"capture_method": "automatic",
"client_secret": "pi_3McBqiBAuPO34Ji61bq2TLtA_secret_EnZAxAWWFICdslyiVRMzwma8p",
"confirmation_method": "automatic",
"created": 1676570788,
"currency": "usd",
"description": null,
"last_payment_error": null,
"livemode": false,
"next_action": null,
"payment_method": null,
"payment_method_options": {
"us_bank_account": {
"verification_method": "instant"
}
},
"payment_method_types": [
"card",
"us_bank_account"
],
"processing": null,
"receipt_email": null,
"setup_future_usage": "on_session",
"shipping": null,
"source": null,
"status": "requires_payment_method"
},
"request_log_url": "https://dashboard.stripe.com/test/logs/req_v8zjpjUpQE4OZ0?t=1676571123",
"type": "invalid_request_error"
}
}

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quartz siren Feb 16, 2023, 6:16 PM

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Thanks taking a look

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Hm that's strange

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What did you click exactly in the flow?

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Did you click "test institution" when Payment Element shows up?

carmine glen Feb 16, 2023, 6:23 PM

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Test institution yes

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I go through that to the Success bank account

quartz siren Feb 16, 2023, 6:24 PM

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Ah I see you are updating the PI to attach a Customer to it

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Can you run a quick test for me and pass that Customer ID when you create the PaymentIntent?

carmine glen Feb 16, 2023, 6:26 PM

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sure

carmine glen Feb 16, 2023, 6:49 PM

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Hi! Sorry that took a second. I hard coded a customer id into our createPaymentIntent and our check for an existing customer Id. It still didn't work unfortunately, same error message. I am noticing that the Payment Intent payload above doesn't have the customer id attached to it (nor does the new one). Is that an issue or by design?

quartz siren Feb 16, 2023, 6:51 PM

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Huh this is strange

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Can you share that PaymentIntent that you just tested with?

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I just ran through the flow myself and didn't run into that error

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Not quite sure what you are doing differently but I'm looking

carmine glen Feb 16, 2023, 6:58 PM

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Sure thing. Getting on a plane so it will be a moment

quartz siren Feb 16, 2023, 7:20 PM

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Definitely something weird here. Still looking

carmine glen Feb 16, 2023, 8:11 PM

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I was able to go to the dashboard and retrieve the Payment Intent that had the hardcoded customer. Here was the paymentIntent as it was when it got the us_bank_account error

{
"id": "pi_3McCUaBAuPO34Ji61wMpvpK6",
"object": "payment_intent",
"customer": "cus_NMDHD8OsbsACze",
"last_payment_error": null,
"livemode": false,
"next_action": null,
"status": "requires_payment_method",
"amount": 100,
"amount_capturable": 0,
"amount_details": {
"tip": {
}
},
"amount_received": 0,
"application": null,
"application_fee_amount": null,
"automatic_payment_methods": {
"enabled": true
},
"canceled_at": null,
"cancellation_reason": null,
"capture_method": "automatic",
"charges": {
"object": "list",
"data": [
],
"has_more": false,
"total_count": 0,
"url": "/v1/charges?payment_intent=pi_3McCUaBAuPO34Ji61wMpvpK6"
},
"client_secret": "pi_3McCUaBAuPO34Ji61wMpvpK6_secret_2nbpa8jEVaNFQGr5niyWS5NIv",
"confirmation_method": "automatic",
"created": 1676573260,
"currency": "usd",
"description": null,
"invoice": null,
"latest_charge": null,
"metadata": {
},
"on_behalf_of": null,
"payment_method": null,
"payment_method_options": {
"card": {
"installments": null,
"mandate_options": null,
"network": null,
"request_three_d_secure": "automatic"
},
"us_bank_account": {
"financial_connections": {
"permissions": [
"payment_method"
]
},
"verification_method": "instant"
}
},
"payment_method_types": [
"card",
"us_bank_account"
],
"processing": null,
"receipt_email": null,
"review": null,
"setup_future_usage": "on_session",
"shipping": null,
"source": null,
"statement_descriptor": null,
"statement_descriptor_suffix": null,
"transfer_data": null,
"transfer_group": null
}

shut siren Feb 16, 2023, 8:14 PM

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Thank you for the info! Will pass that along. Still looking in to the cause on our side

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Ksamuel - ACH attach error

quartz siren Feb 16, 2023, 8:41 PM

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@carmine glen you still here?

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It looks like in that most recent test you still updated the PI to set a Customer and that request is taking place during the Connections Session request just before confirmation. Can you remove that Customer update request entirely and run one more test?

carmine glen Feb 16, 2023, 8:47 PM

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Sure thing

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{
"id": "pi_3McEONBAuPO34Ji61kuLvEqt",
"object": "payment_intent",
"last_payment_error": null,
"livemode": false,
"next_action": null,
"status": "requires_payment_method",
"amount": 100,
"amount_capturable": 0,
"amount_details": {
"tip": {
}
},
"amount_received": 0,
"application": null,
"application_fee_amount": null,
"automatic_payment_methods": {
"enabled": true
},
"canceled_at": null,
"cancellation_reason": null,
"capture_method": "automatic",
"charges": {
"object": "list",
"data": [
],
"has_more": false,
"total_count": 0,
"url": "/v1/charges?payment_intent=pi_3McEONBAuPO34Ji61kuLvEqt"
},
"client_secret": "pi_3McEONBAuPO34Ji61kuLvEqt_secret_vw5hOWgtnJ24vIMSmEOJN43y6",
"confirmation_method": "automatic",
"created": 1676580563,
"currency": "usd",
"customer": "cus_NKiV0WaUBR477X",
"description": null,
"invoice": null,
"latest_charge": null,
"metadata": {
},
"on_behalf_of": null,
"payment_method": null,
"payment_method_options": {
"card": {
"installments": null,
"mandate_options": null,
"network": null,
"request_three_d_secure": "automatic"
},
"us_bank_account": {
"financial_connections": {
"permissions": [
"payment_method"
]
},
"verification_method": "instant"
}
},
"payment_method_types": [
"card",
"us_bank_account"
],
"processing": null,
"receipt_email": null,
"review": null,
"setup_future_usage": "on_session",
"shipping": null,
"source": null,
"statement_descriptor": null,
"statement_descriptor_suffix": null,
"transfer_data": null,
"transfer_group": null
}

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No call to update the paymentIntent and it still returned the same error. Here's the payment intent as it stands.

I caught this in the console too, do you think this may have something to do with it? "The Financial Connections authentication flow requires "minimum-scale=1" to be set in your page's viewport meta tag."

quartz siren Feb 16, 2023, 8:58 PM

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Hmm not sure but would be surprised if that is the issue.

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Conferring with our Financial Connections team, give me a few more mins

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So yeah the viewport meta log is just a warning but you should do that so that the modal styling works in various edge cases like when zoomed

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Not going to be root cause here

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We are looking into the error further

quartz siren Feb 16, 2023, 9:24 PM

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Okay @carmine glen figured it out. Looks like you are passing save_payment_method: true client-side to confirmPayment. This isn't a supported parameter in our SDK and it seems to be causing an issue here.

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I was able to reproduce once adding that

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If you remove that then it should work

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Ooc where did you see that parameter or why did you add it?

carmine glen Feb 16, 2023, 9:25 PM

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Oh great!

quartz siren Feb 16, 2023, 9:25 PM

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Ooh right

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This is a legacy path parameter

carmine glen Feb 16, 2023, 9:25 PM

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Then it was probably that. My coworker added it

quartz siren Feb 16, 2023, 9:25 PM

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So yeah that won't work with this flow

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Let me know if you still run into any issues once you remove that

carmine glen Feb 16, 2023, 9:30 PM

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Will do. Flights landing so my laptop isn’t available but I’ll try it out as soon as I can

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Thanks for the help!

#Ksamuel - ACH attach error