#L0rdandBooz
hardy lake
If you wish to verify the ownership of the external account, financial connections should be used. You may refer to the guide here: https://stripe.com/docs/connect/payouts-bank-accounts
Financial connections is only available in US. If your platform and connected accounts are not in US, then bank account ownership can't be verified
viral bolt
is it necessary to? I was already using that financial connections tool through the API in order to create a payment method token but for some reason it doesn't satisfy that external account requirement
hardy lake
for some reason it doesn't satisfy that external account requirement
What do you mean? The financial connections here refers to payout bank account, not the payment method collection for charges
blissful etherBOT
viral bolt
I'd use stripe financial connections in order to create a bank account PM token then inbound / outbound transfer from a financial account using it. To me that feels like an external account but it doesn't satisfy that external account requirement.
As of 3/4 days ago I'm no longer able to get treasury enabled on my custom connect accounts without that external_account so I'm trying to figure out the best way to go about it.
wicked gazelle
if your question is whether you need to verify the bank account - no, it's not a requirement to do so
viral bolt
Ok but would I still be able to inbound outbound transfer with it? My concern isn't necessarily about getting rid of this requirement it's about getting rid of it and allowing my customers to inbound outbound transfer from it.
I don't want them to need to link the same bank account twice.
And will this transfer it to their financial account so they can spend from it with their issuing cards?
Here's an example of one of my inbound transfer api calls
inboundTransfer = await stripe.treasury.inboundTransfers.create(
{
origin_payment_method: req.body.paymentMethod,
financial_account: req.body.financialAccountID,
amount: req.body.transferAmount,
currency: 'usd',
description: req.body.description,
// statement_descriptor: req.body.memo,
},
{stripeAccount: req.body.connectAccountID}
);
Let's step back a bit. External account is meant for payout purpose. From your code, this is about treasury which has nothing to do about external account for payout
Can you share what your use case is? Are you referring to payout account or treasury transfer?
viral bolt
Ah I see. I need a treasury transfer to my financial account. The issue is my treasury isn't enabled until I satisfy this external account requirement
requirements: {
alternatives: [],
current_deadline: null,
currently_due: [ 'external_account' ],
disabled_reason: 'requirements.past_due',
errors: [],
eventually_due: [ 'external_account' ],
past_due: [ 'external_account' ],
pending_verification: []
},
hardy lake
Can you share which integration doc are you following?
viral bolt
It only started being required for our new customers a few days ago so I'm not really using an integration doc but here's probably the most relevant one for my current implementation:
https://stripe.com/docs/treasury/examples/financial-accounts
It feels like that guide was updated or I grabbed you the wrong one. Let me try and find a different one.
hardy lake
Are you referring to this? https://stripe.com/docs/treasury/examples/moving-money
viral bolt
Yes that's the one!
hardy lake
Which step are you stuck specifically? Have you added the external account for inbound and outbound, and perform verification? https://stripe.com/docs/treasury/examples/moving-money#adding-an-external-bank-account
viral bolt
There is nothing within that doc that I am stuck at. I had it all working perfectly as far as creating a payment method for a stripe inbound transfer. For whatever reason, newly onboarded customers are no longer able to do an ACH transfer without fulfilling that external account criteria. If I am creating an external account then I don't want my customers to need to create the PM token as well. How do I combine these two for simplicity sake of my user? Ultimately the funds need to end up in the treasury financial account. How do I get to that point in the least amount of steps for my customers and I? Hopefully that all makes sense thank you for your help so far
hardy lake
For whatever reason, newly onboarded customers are no longer able to do an ACH transfer without fulfilling that external account criteria.
Can you share the request ID (req_xxx) of the error that newly onboarded customers are no longer able to do ACH transfer without fulfilling external account criteria?
viral bolt
req_dFun9sjK9UgRil
req_EKbTfQjgcaH4om
Two different attempts from same person
It seems like the external account can be created with bank account details and you don't necessarily need to use a btok for it: https://stripe.com/docs/api/external_account_bank_accounts/create .
I am able to use a verified bank account on an external account on a connect account or a payment method token according to this guide: https://stripe.com/docs/treasury/moving-money/financial-accounts/into/inbound-transfers#:~:text=Inbound transfers move money from,the Same Day ACH capability.
How do I set up that verified external account?
Does all of that seem like reasonable takeaways from those guides or am I wrong?
It looks like this may be a way but when I enable it I don't see it in my connect onboarding:
hardy lake
Thanks for sharing the request ID. Can I suggest you writing into Stripe Support https://support.stripe.com/contact and share the request ID that requires with fulfilling the external criteria (newly onboarded connected account) and the one doesn't (old connected account)? I'm not too familiar with treasury and the minimal steps to collect the bank account information for both payout external account and treasury external account. Support team will be able to help you better than I can
viral bolt
Sounds good thanks so much for your time!