k3davis

[late current]

Hello, I am less familiar with that flow but can look in to it. Can you tell me more about your question here? Where are you passing in the account type that you might be getting it wrong? Is there a doc you are following here?

[keen crane]

we are passing ACH data into a setupintent as described here: https://stripe.com/docs/api/setup_intents/create#create_setup_intent-payment_method_data-us_bank_account

note for our implementation we can't use elements, so we are collecting this data manually.

we may not have accurate information about whether it's an individual or company account, for example, because we've never asked.

so i'm wondering if selecting the wrong types affects behavior, may result in additional declines, or something else. it seems unusual for a payment flow to ask these questions.

eg. what would happen if we just assumed everything was individual/checking 😉

[late current]

Gotcha, thank you for the detail. Looking in to this

So it looks like this is relevant if your account is enabled to skup bank account verification. When enabled for that, the account holder type determines what validation method we used. For company it is possible to skip verification altogether, if it is not set or is set to individual , we try to validate the account and if it fails that the setup fails

[keen crane]

OK, we are using skip verification on one of our accounts, but these fields appear to be present on all of them. They don't seem to have any operational value if we're not using skip verification?

[late current]

As far as I can tell, no. Though I am less familiar with features like this that aren't turned on for accounts by default. If you reach out to our support team they may be more familiar here https://support.stripe.com/?contact=true

[keen crane]

I can ask support, though I tried to verify that these fields are present even on accounts that don't have any special features available. (I get mixed up on that all the time)

thanks for the lead at least, I appreciate it