Cerio | Stripe Developers | Page 1

heady cometBOT Mar 10, 2023, 3:05 PM

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limber geode Mar 10, 2023, 3:05 PM

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Hello, how can I help you?

rugged hinge Mar 10, 2023, 3:11 PM

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So this is the thread? I can just post freely here and it will be seen? (Sorry I don't normally use Discord outside of random stuff.)

heady cometBOT Mar 10, 2023, 3:17 PM

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limber geode Mar 10, 2023, 3:17 PM

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Yes this is the thread, apologies for missing that message initially

haughty elm Mar 10, 2023, 3:19 PM

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Hi there. Are you referring to this library? https://github.com/stripe/stripe-dotnet The one I linked is Stripe's official library.

rugged hinge Mar 10, 2023, 3:23 PM

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Awesome! Thank you

haughty elm Mar 10, 2023, 3:24 PM

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No problem. Recommend you use that one since it's officially supported by us and should contain the functionality you need

rugged hinge Mar 10, 2023, 3:24 PM

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Let me just double check

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Yes I believe that's the same API we're using sorry I was looking at the fuget page.

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So this innately supports ACH payments? (I'm just double checking I see some of the classes that look like they'd be involved and it looks correct.)

haughty elm Mar 10, 2023, 3:26 PM

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https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API

Accept an ACH Direct Debit payment

Build a custom payment form or use Stripe Checkout to accept payments with ACH Direct Debit.

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Yep

rugged hinge Mar 10, 2023, 3:27 PM

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Oh awesome, thank you again. Sorry I'm a little scatter brained atm.
Do our clients need to do anything special to get this support? or is it all provided under the same shared secret key?

haughty elm Mar 10, 2023, 3:29 PM

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Not sure I understand. Who are the clients in this scenario?

rugged hinge Mar 10, 2023, 3:35 PM

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I'll provide much more detail in a few sorry I'm dealing with two issues atm.

haughty elm Mar 10, 2023, 3:35 PM

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Ok

rugged hinge Mar 10, 2023, 3:50 PM

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Our operation exists in the vacation rental industry and our solution has a payment gateway project which handles multiple different payment processors (each are offered as options to or clients). Our clients are real estate brokers (their inventory being vacation real estate stays). ATM they're normally using Stripe to process incoming Tenant CC payments for those stays.

The CC payment/Stripe system is working great and we're interested in expanding the Stripe functionality to accept ACH.

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Currently we're loading up a CustomerCreateOptions object with customer data,
creating this customer with the CustomerService.Create call,
creating a paymentMethod with the PaymentMethodService.Create call,
attaching the two,
and creating a paymentIntent with the PaymentIntentService.Create call.
This is working fine.

Am I correct in saying I can repeat this process with ACH?
If I'm understanding this correctly we'd just need
1: to load up a different paymentMethod into the PaymentMethodService and
2: to define the paymentIntent with a PaymentMethodType of ACH?

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Sorry for the spam I wanted to aggregate all of the code flow into one post so it didn't get lost.

haughty elm Mar 10, 2023, 3:53 PM

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Yes but are you using the payment element?

rugged hinge Mar 10, 2023, 3:53 PM

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Is the 'payment element' the JS portion of this integration?

haughty elm Mar 10, 2023, 3:54 PM

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Yeah

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What does your integration currently use is what I'm asking?

rugged hinge Mar 10, 2023, 3:57 PM

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Oh sorry, our integration only uses the Stripe.Net project.

So we do not use any aspects of the JS form.

Our payment gateway is deeply embedded in C# and the flow is one way (from the users input to our server, our server processes it and we interpret the result). We're fully PCI compliant, I know that's why most people use the payment element.

haughty elm Mar 10, 2023, 4:00 PM

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Ah ok then yes the flow you outlined is what you'll need

rugged hinge Mar 10, 2023, 4:01 PM

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Ok I just wanted to make sure this flow supports ACH in the same way it supports credit cards.

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Sounds like it does which is awesome.

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One more question.

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Our other payment gateway integrations allow our clients (the real estate brokers normally receiving the payments) to also pay out ACH. Do you know if this is the Stripe API will also support?

I ask because we had one payment processor say they handled ACH but they only handled one way (being 'in' where they accepted the ACH payment, but did not handle 'out' allowing the client to pay others VIA ACH.

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Let me know if I can provide some more clarification on this.

haughty elm Mar 10, 2023, 4:08 PM

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So to receive money via stripe you must have a stripe account

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Unless the real estate brokers have a stripe account connected to yours, this isn't possible

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Also accepting ach might be tricky with your flow. Mandate acceptance is mandatory for this payment method

rugged hinge Mar 10, 2023, 4:09 PM

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Ok I'll look more into mandate acceptance, do you have a link directly to some documentation around that by chance?

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We don't have a stripe account, our brokers have individual accounts and we store their keys and they process via our software using their own account keys.

haughty elm Mar 10, 2023, 4:10 PM

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This guide: https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API

Accept an ACH Direct Debit payment

Build a custom payment form or use Stripe Checkout to accept payments with ACH Direct Debit.

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All steps needed are covered

rugged hinge Mar 10, 2023, 4:10 PM

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Gotcha thank you again vm for your patience

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I'm going to try and clarify the example above one more time to see if I understand this completely.

We have three people:

the broker (who is selling a stay at a property)(who has a Stripe account)
the tenant (who is purchasing the stay from the broker)
the owner of the property (who actually owns the property where the stay is occurring)

With how Stripe works:
The broker can accept payments(CC/ACH/ect) from the tenant (because the broker has a Stripe account).

However, the broker cannot then pay the owner via Stripe, because the broker has the Stripe account but the owner may not.

Correct?

haughty elm Mar 10, 2023, 4:15 PM

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Yeah

rugged hinge Mar 10, 2023, 4:15 PM

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Awesome, thank you.

haughty elm Mar 10, 2023, 4:15 PM

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The owner would need to create a stripe account and connect to the broker

rugged hinge Mar 10, 2023, 4:19 PM

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I'm following you there. Our other payment processors work directly with Visa / MC / and separate banks so I think their flow is innately different.

This is still a good addition.

Per the mandates:
These are only handled in the JS 'payment element'? I don't see anything for them in the Stripe.Net code, I could be missing something though.

haughty elm Mar 10, 2023, 4:20 PM

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Yeah let me check with a colleague to see if this is doable

rugged hinge Mar 10, 2023, 4:20 PM

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Thank you VERY much

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I know this is a probably a pain. I hate to spam people with questions but atm we're tight on people. And, potentially rushing through an ACH integration to find a road block is a head ache I'm desperately trying to avoid 🙂 🙂

haughty elm Mar 10, 2023, 4:22 PM

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No worries. Will let you know when I hear back

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Ok so this is all doable via the .NET library. When creating a payment intent, you can create the payment method inline with: https://stripe.com/docs/api/payment_intents/create#create_payment_intent-payment_method_data-us_bank_account. You'll also need to provide mandate_data here: https://stripe.com/docs/api/payment_intents/create#create_payment_intent-mandate_data

Stripe API reference – Create a PaymentIntent – 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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And then microdeposit verification is triggered automatically when you confirm the paymentintent

rugged hinge Mar 10, 2023, 4:27 PM

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Incredible

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Thank you again

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I'll get this together and attempt to run a test case after the weekend, thank you!

#Cerio