TeddyWidom | Stripe Developers | Page 1

hot willowBOT Mar 21, 2023, 1:51 PM

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warm shadow Mar 21, 2023, 1:53 PM

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Hi 👋 could you link me to the documentation that you're following for your integration? Our Sources flows are mostly legacy at this point, and I'm not familiar with a process that would result in either an ACH payment or a wire transfer offhand.

dapper cradle Mar 21, 2023, 1:55 PM

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Yep! Here are the docs I'm following: https://stripe.com/docs/sources/ach-credit-transfer

ACH Credit Transfer payments with Sources

Use Sources to accept ACH payments sent directly from your customers.

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It's mainly written in terms of ACH Credits, but it also applies to Wire Transfers: "or domestic wire transfer"

warm shadow Mar 21, 2023, 2:01 PM

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Ah gotcha, I didn't realize that flow would do ACH or Wire Transfers, and am not sure offhand how to differentiate. My (probably naive) guess is that it has to do with the country of the bank account.

Do you have examples of an occurrence that was treated as ACH versus one that was treated as a Wire Transfer?

dapper cradle Mar 21, 2023, 2:03 PM

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Yes, should I send you just the ID of the relevant webhook events? Or the full payloads?

warm shadow Mar 21, 2023, 2:05 PM

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IDs are fine

dapper cradle Mar 21, 2023, 2:07 PM

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Wire Transfer source.transaction.created webhook event ID: evt_1MnlsND8g0xDoffW2NMEKv1P

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ACH Credit source.transaction.created webhook event ID: evt_1MnyriD8g0xDoffWenM0ddVY

warm shadow Mar 21, 2023, 2:20 PM

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Thank you, pulling those up

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I'm sorry, but those seem to use the same Source which crushes my theory.

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I'm finding some resources that give me the impression that the type of transfer that occurs, is dependent on how the customer triggers the transfer and that it may not be possible to know ahead of time what type of transfer will occur.

dapper cradle Mar 21, 2023, 2:36 PM

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That's right. The customer is the one that ultimately chooses which method (ACH Credit or Wire Transfer). We can't control up front which method they'll use for the transfer.

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What about after the transfer occurs but before I create the Charge? At that point, we should in principle know somehow what method the transfer was.

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Stripe surely knows, because Stripe takes either a $1 fee or a $7 fee when I create the charge... but I'm not sure if Stripe surfaces that info to me prior to me creating the Charge

warm shadow Mar 21, 2023, 2:48 PM

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I'm not readily seeing anything in the API that provides that information, I would suggest reaching out to our Support team with an explanation of your business case, what you'd like to be able to check, and why, to see if they have any options that they can provide:
https://support.stripe.com/?contact=true

Stripe: Help & Support

Find help and support for Stripe. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

dapper cradle Mar 21, 2023, 2:50 PM

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Ok sounds good, thank you for looking into it!

#TeddyWidom