Bilal Ahmed

[zenith heart]

👋 happy to help

these are the Bank Debits PMs supported at Stripe https://stripe.com/docs/payments/bank-debits

[shrewd sigil]

actually i want an API, where we'll send customers account number, routing number, holder name & bank type to add customer's payment method.
whenever customer purcahse something, we'll charge customer from his bank account

[zenith heart]

you can use https://stripe.com/docs/api/customer_bank_accounts

but it's not really the recommended way

[shrewd sigil]

https://stripe.com/docs/api/customer_bank_accounts/create
from where I can get a source token, as I am not using Stripe.js
I want to get the required params from the client on the custom form. can create that source token by my own?

[rough wagon]

Hi! I'm taking over from my colleague. Please, give me a moment to catch up.

[shrewd sigil]

Sure

[rough wagon]

Do you mean you want to provide it yourself? Not collect from the customer?

[shrewd sigil]

I'll collect it from customer.

@rough wagon ^

[rough wagon]

Sorry for delay, it's busy today

Please delete your secret key!

And roll the keys in your Dashboard.

I deleted the message for you.

In what country are you planning to collect bank accounts?

[shrewd sigil]

Thank you, but it was not my keys, I found that code in stripe documentation

[shrewd sigil]

USA

[rough wagon]

The Stripe docs display your own test keys in examples when you are logged in 😉

You can use ACH Direct Debit to accept bank payments in the US. You can read more here: https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API

[shrewd sigil]

Opps sorry

[shrewd sigil]

this link seems like, a checkout method.
In my case. I'll create a payment method for a customer when he/she creates his/her profile. After completing the profile, whenever he/she orders something, we'll directly charge from his/her bank account.

[rough wagon]

What do you mean by "a checkout method"?

[shrewd sigil]

here is brief summary of my application

I am currently working on developing a web application that allows customers to add their preferred payment methods. Within the application, we will charge customers using their added payment methods and send the charged amount to the respective merchants.

Here's a summary of what I already know:

1. I am knowledgeable about how to add card payment methods to the application.
2. I am familiar with payment intents, which enable us to handle payments securely.
3. I understand the concept of transfer groups, which help us manage funds distribution between different parties involved.
4. I know how to integrate Stripe Connect to facilitate payments for merchants.
5. I am capable of creating payouts for merchants based on transactions.

However, the only aspect that I'm currently struggling with is how to implement the addition of customer bank accounts as a payment method. This functionality would allow us to charge customers using their linked bank accounts.

[shrewd sigil]

I mean, customers add some product to their cart, then we show the checkout screen, where customers provide their card number.

[rough wagon]

I understand. It seems like you need SetupIntents. This is a way to add Payment Methods without immediately charging it: https://stripe.com/docs/payments/save-and-reuse?platform=web&ui=elements

Please let me know if this sounds like what you're looking for.

[shrewd sigil]

In the previous version of our app, customers were able to add their payment method by manually entering their card details, including card number, expiry date, and CVV. Once the payment method was added, we would charge the customer from that card whenever they created an order.

In the current version of our application, we have introduced a new feature that allows customers to add their bank account as a payment method. Instead of entering card information, customers can now provide their bank account details using a custom form. The form includes fields for account number, routing number, account type, and account holder's name. By using this information we want to add the customer's Bank type Payment Method

By offering this option, we aim to provide greater flexibility and convenience to our customers by allowing them to choose between using a card or a bank account as their preferred payment method within our app.

Can I achieve this goal by using SetupIntent?

[candid eagle]

what bank account type? ACH for US, SEPA for EU, something else?

[shrewd sigil]

ACH

[candid eagle]

then sure, you can use SetupIntents for all this

https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web is how to save ACH bank details for future use

[shrewd sigil]

can we use SetupIntent while charging customers using PaymentIntent?

[candid eagle]

that's how it works so yes

you use the SetupIntent to save a payment method and then you use a PaymentIntent later to charge it