durrell-custom-bankaccount | Stripe Developers | Page 1

lunar templeBOT Apr 11, 2023, 3:48 PM

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twin helm Apr 11, 2023, 3:49 PM

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durrell-custom-bankaccount

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@quick yarrow Before that option, you had to collect bank account details yourself. After that option shipped you can now let us do it. We have no plans to do micro-deposits here, we've never done this even for other flows like Standard or Express

quick yarrow Apr 11, 2023, 4:05 PM

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Ok. There are two screenshots in the link I shared above. We are not seeing the option to select the bank or search for the bank as pictured in the first screenshot. We are just seeing the option to enter the routing and account numbers as pictured in the second screenshot. Do you know why it is automatically falling back to manual entry? The manual entry flow pictured in the second screenshot will not eventually require micro deposits? I assumed it would require micro deposits because it looks so much like the UI shown in the link below:
https://stripe.com/docs/financial-connections/use-cases

twin helm Apr 11, 2023, 4:06 PM

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Do you have access to Financial Connections? If not that'd be the first step. But even with that we will not do a fallback to micro-deposits

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Basically the flow you are describing is in private beta and you need to request access first

quick yarrow Apr 11, 2023, 4:17 PM

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Ok. Thank you for the clarification. I see the form to request access to Financial Connections within the Connect Onboarding form. Is there a way to tell via the Stripe dashboard if we already have access?

twin helm Apr 11, 2023, 4:18 PM

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Not that I know of. I'd recommend submitting the form but I don't think we're adding anyone just yet so for now you just can't use that flow

quick yarrow Apr 11, 2023, 4:19 PM

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ahh ok.

twin helm Apr 11, 2023, 4:22 PM

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Our docs are super confusing sadly they changed recently and everyone misunderstands the state. It really should talk about the default (what you see) and then have a callout for that beta

quick yarrow Apr 11, 2023, 4:23 PM

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Is the default flow which is what I'm seeing working now?

twin helm Apr 11, 2023, 4:25 PM

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yep

quick yarrow Apr 11, 2023, 4:25 PM

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and that flow doesn't require micro deposits right?

twin helm Apr 11, 2023, 4:27 PM

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correct

quick yarrow Apr 11, 2023, 4:27 PM

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that's nice

twin helm Apr 11, 2023, 4:27 PM

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But again, even with the new flow, the one in beta, we will not do micro deposits

quick yarrow Apr 11, 2023, 4:35 PM

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ok so the current flow I'm seeing and the one in beta will not require micro depots.

Is Stripe able to validate or verify the bank with just the routing number and account number? I'm looking at the different external bank account statuses here https://stripe.com/docs/api/external_account_bank_accounts/object#account_bank_account_object-status

The bank status of the bank I'm testing with is "new" and Topups and Payouts work with just a "new" status.

twin helm Apr 11, 2023, 4:41 PM

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no validation

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Sorry we validate the routing number, but there's no way for us to validate the account number. Only way is to send money and see if it succeeds really

quick yarrow Apr 11, 2023, 4:43 PM

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I'm guessing that's fine since the flow doesn't have micro deposits.

twin helm Apr 11, 2023, 4:45 PM

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correct

quick yarrow Apr 11, 2023, 4:48 PM

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ok. Well I think refactoring to not use micro deposits will put us in a better position for the future Oath flow. With that Oath flow will the bank account connect to the Stripe::Account like it does with the current flow or will we get a Stripe::FinancialConnections::Account ?

twin helm Apr 11, 2023, 4:50 PM

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I don't fully grasp the wording of your question. But yes you get a normal BankAccount object at the end

quick yarrow Apr 11, 2023, 4:51 PM

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ok. and that bank account object will attach to the Stripe::Account like it currently does?

twin helm Apr 11, 2023, 4:52 PM

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yes

quick yarrow Apr 11, 2023, 4:52 PM

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Ok. Thank you for all your help and patience. I really appreciate it!

#durrell-custom-bankaccount