Arvind hariharan | Stripe Developers | Page 1

quartz parcelBOT May 30, 2023, 6:08 AM

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hollow mist May 30, 2023, 6:08 AM

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Hi there, how can I help?

shadow island May 30, 2023, 6:09 AM

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Hi we are in process of integrating Stripe ACH with our framework. Had a query related to the financial connections. Do we need to explicitly implement the steps mentioned in the financial connections page in the document?

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To check for the Balance by setting it in the paymentMethodOptions before we proceed with transactions

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I am referring to this guide in doc

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https://stripe.com/docs/financial-connections/fundamentals#data-permissions

Financial Connections fundamentals

Learn how Financial Connections works.

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And this para while creating payment intent

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Set the permissions parameter to payment_method. If you signed up for data access with Stripe Financial Connections, specify the additional account data you require. We recommend specifying balances in the permissions parameter to access balance data on an account. Checking an account balance before confirming a payment helps prevent payment failures because of insufficient funds.

hollow mist May 30, 2023, 6:13 AM

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Ok. It depends on what data you wish to access, so that you need to specify the corresponding permissions

shadow island May 30, 2023, 6:13 AM

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So is it mandatory to have this validation done for checking the Balances?

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If so do we need to implement the steps given in financial connections page

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?

hollow mist May 30, 2023, 6:14 AM

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You need balances permission in order to access Balances

shadow island May 30, 2023, 6:15 AM

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we have set the balances permission in the paymentMethodOptions. So how do we validate it. what steps we need to follow?

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Do we need to follow the steps provided these?

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Your Link Accounts button (client-side). Insert a button or link in your website or application, which allows your user to link their external accounts—for example, your button or link could say: Link your bank account.
Financial Connections Session (server-side). Create a Financial Connections Session which launches the authentication flow, the client-side Stripe.js UI that lets your users link their accounts. Use the permissions parameter to specify the data you want to access from the array, specifically [balances, ownership, payment_method, transactions]. After an account is linked, you can access only the data requested.
Authentication flow (client-side). Your user links their accounts to your business through the authentication flow, the client-side Stripe.js UI. Your user can also see the data you’ve requested to access.
Financial Connections Account (server-side). After your user successfully links their accounts, the Financial Connections Session returns with a Financial Connections account.
Retrieve Account Data (server-side). After a Financial Connections account is created, optionally retrieve account data requested by calling the balances, ownership or transactions endpoints of the Financial Connections API.

hollow mist May 30, 2023, 6:17 AM

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You don't need to paste the doc content. It makes harder to find your question.

shadow island May 30, 2023, 6:19 AM

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okay my bad my question was do we need to follow the steps mentioned in the https://stripe.com/docs/financial-connections/fundamentals#data-permissions

Financial Connections fundamentals

Learn how Financial Connections works.

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For validating the Balances of users account based on his/her consent

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and then proceed with confirming the payment

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intent

hollow mist May 30, 2023, 6:21 AM

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Yes, I'd recommend you to request for the balances permissions so that you can check the balances before creating the charge.

shadow island May 30, 2023, 6:23 AM

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So we need to follow the steps mentioned in the above doc and implement it before we confirm the charge.

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And we need to validate the Balance of the account with the cart total right and check whether the account has sufficient balance

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I mean in short we need to implement the financial connection API and access the data of users account and validate

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is my understanding right?

hollow mist May 30, 2023, 6:28 AM

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What does the cart refer to?

shadow island May 30, 2023, 6:30 AM

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I mean order total

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in an ecommerce site

hollow mist May 30, 2023, 6:31 AM

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OK, so you want to check whether your customer has enough balance to cover the cost

shadow island May 30, 2023, 6:32 AM

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yes

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that is what your are recommending right based on the doc?

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In order to avoid insufficent funds failure scenario

hollow mist May 30, 2023, 6:35 AM

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Yes this is exactly what the doc recommends

shadow island May 30, 2023, 6:37 AM

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yeah so to summarize my understanding, once the authentication flow is completed, before confirming the payment intent, we need to integrate the financial connection API and validate the balance data w.r.t Users account with the order total and then proceed.

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If validation fails, then user cannot proceed with confirming the order or the payment intent

hollow mist May 30, 2023, 6:45 AM

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This sounds good to me

shadow island May 30, 2023, 6:48 AM

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Okay and the steps we need to follow is from this page of the doc right?

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https://stripe.com/docs/financial-connections/balances

Access balances for a Financial Connections account

Learn how to access an account's balances with your user's permission.

hollow mist May 30, 2023, 6:48 AM

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I'd suggest you to follow along the doc and come back if you have a specific question

#Arvind hariharan