Arvind hariharan | Stripe Developers | Page 1

strange lagoonBOT May 23, 2023, 9:55 AM

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whole fern May 23, 2023, 9:55 AM

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hi! what's the question exactly?

languid berry May 23, 2023, 9:57 AM

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Hi wanted to know if i can use stripe.collectbankAccountInfo for micro deposit verification process

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If not what is the exact steps that i need to perform to collect the bank deatils. From both client and server ends?

whole fern May 23, 2023, 9:59 AM

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why do you want to use microdeposits? our instant verification is better.

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in any case, all the docs are at https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API#web-verify-with-microdeposits

languid berry May 23, 2023, 10:01 AM

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I mean if some cases instant verification is not available and customer needs to verify using microdeposits. So need to understand the exact steps

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In the above doc, it is not explicitly mentioned that we can use stripe.CollectBankAccountInfo during Micro deposit verification

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So wanted a confirmation on steps to be done

whole fern May 23, 2023, 10:03 AM

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the microdeposit step comes later

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you call collectBankAccountInfo first, then confirmUsBankAccountPayment to attempt the payment, and then if that fails and the next_action is verify_with_microdeposits, you do the microdeposit flow

languid berry May 23, 2023, 10:10 AM

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okay when i am checking on this some blogs it says below

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when implementing microdeposit verification in Stripe, you typically need to collect the customer's bank details using your own form. Stripe does not provide a pre-built form specifically for microdeposit verification.

You can create a form on your website or application where customers can enter their bank account information, such as the account number and routing number. This form should securely collect the necessary details and transmit them to your server for further processing.

Once you have collected the bank account information, you can use the Stripe API to create a bank account as a payment source for the customer. This is typically done by making a server-side API call to Stripe's Bank Account object creation endpoint, providing the collected bank details.

After the bank account is created, you can initiate the microdeposit verification process as mentioned earlier by using the appropriate Stripe API methods. Stripe will send the small deposits to the customer's bank account, and you can follow the steps I mentioned in the previous response to complete the verification process.

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So just getting confused at to what exactly are the steps to be done

whole fern May 23, 2023, 10:11 AM

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that blog is really old then and is talking about an old flow before PaymentIntents existed

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just read our actual docs pages ,not blogs

languid berry May 23, 2023, 10:12 AM

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okay so when can i expect the next action section in the payment intent confirmation response? Only if the instant verification fails?

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or is there any other flow that i can get this next action section?

whole fern May 23, 2023, 10:13 AM

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only if the instant fails yes

languid berry May 23, 2023, 10:14 AM

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So in test mode once integrated the code in our framework, i can only test by clicking on manually verify link right. I mean to test micro deposit verification

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i am refering to this

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whole fern May 23, 2023, 10:15 AM

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yes

languid berry May 23, 2023, 10:17 AM

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Also do we need to have our own form to collect the bank details?

whole fern May 23, 2023, 10:23 AM

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no, because collectBankAccountForPayment handles all the UI for collecting it

strange lagoonBOT May 23, 2023, 10:31 AM

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drowsy narwhal May 23, 2023, 10:32 AM

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Hey, taking over here. Let me know if there's any follow-up Qs I can answer!

languid berry May 23, 2023, 10:33 AM

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Also do we need to have our own form to collect the bank details?

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had asked this query and got a reply that we can use collectbankAccountForPayment only no need to use our custom form

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So thats confirmed right

drowsy narwhal May 23, 2023, 10:36 AM

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yeap!

languid berry May 23, 2023, 10:37 AM

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Ok. And when we create a payment intent and if for some reason we do confirm it then it automatically gets expired right?

drowsy narwhal May 23, 2023, 10:42 AM

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and if for some reason we do confirm it then it automatically gets expired right?
I'm not sure I'm understanding this part, can you share an example please ?

light marten May 23, 2023, 11:45 AM

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Hi! I'm taking over from my colleague. Please, let me know if you have any other questions.

#Arvind hariharan