#unknownbeef
carmine dirge
Hi there
That's correct. Depending on the test bank account number you use (with bank debits for instance) you will see different amounts of delay before the PaymentIntent moves to succeeded
scenic glen
hmm, how long should the "successful" ach debit delay? is there any way to increase it?
carmine dirge
Ah sorry I don't think we provide a delay for ACH Debit actually: https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=checkout#test-account-numbers
Looks like this is just available for bank debits like SEPA Debit where you can use a certain IBAN with a 3 min delay in test mode: https://stripe.com/docs/payments/sepa-debit/accept-a-payment?platform=web&ui=checkout#test-ibans
scenic glen
i'm confused though, it says
ACH Direct Debit is a delayed notification payment method, which means that funds aren’t immediately available after payment. A payment typically takes 4 business days to arrive in your account.
Correct. This is not how it works in test mode though
scenic glen
shouldn't there be some way to test how my integration behaves for the delay period
carmine dirge
The PaymentIntent in test mode should still move to processing and then move to succeeded. Are you not seeing that?
scenic glen
i am but it happens instantly so i'm not sure what the state of the subscription will be during the 4-5 day window of delay in production
carmine dirge
All of the relevant Events will still fire. The Subscription will move to active during this Processing period (you should see a customer.subscription.updated event fire when the payment takes place for the new Invoice)
scenic glen
ah ok, so subscription.status will be active during processing and then follow retry rules if it fails?
and then follow "if all retries for a payment fail" subscription status setting
carmine dirge
Not necessarily -- we don't retry failed bank debits (see top right of: https://stripe.com/docs/billing/revenue-recovery/smart-retries).
I'd recommend using the different test bank account numbers there to test out the different behaviors
You will still see all of the relevant things happen, even though they will happen immediately whereas it would be more async in production
sterile quiverBOT
scenic glen
hmm, i thought i saw bank debits get retried (for subscriptions)
i'll try again and monitor events to be sure though
i'm also not using smart retry so not sure if that applies to the "custom retry schedule for subscriptions"
wintry hearth
Hey there just stepping in for bismarck -- that would be unexpected unless you specifically triggered the retry payment yourself, but please do test & share examples if you find that
Those bank debit payment methods often incur fees for the customer if the issue is eg insufficient funds and you wouldn't want to make them incur that fee multiple times. For other kinds of failures with ACH (eg, wrong account numbers etc) there are other requirements like proof of account ownership that need to be provided before the account can be debited again.
scenic glen
ah ok, thanks -- i'm trying to get some kind of grace period so that the subscription doesn't cancel without giving the customer a few days to fix their payment method
with credit cards this is easy given the retries -> cancel the sub if retries fail
but i want to accept ach as well, how can i allow both ach debit and credit cards to give the customer time to fix a payment method issue, but still auto-cancel after a week or so if they don't?
just checking if you are still here
wintry hearth
Yep just reviewing and poking. If that's the behaviour you want I think I'd suggest using the setting to make the subscription unpaid after all payments have failed instead, then use webhooks to get notified about those and cancel according to your own logic based on payment method.
scenic glen
ok i figured you were still looking around but wanted to make sure i hadn't lost you 🙂
above makes sense, for context i'm using "pricing table -> checkout" flow -- is it possible to set ach subscriptions to move to unpaid but still auto-cancel credit card subscriptions?
or would i have to set them all to unpaid and then handle that via webhooks
wintry hearth
No not via the settings AFAIK, its for all subscriptions in a single set of settings
scenic glen
ok, i think that answers all my questions -- i really appreciate both of your help!
wintry hearth
NP - good luck with the work 🙂
scenic glen
if you're still here -- is there any way to use webhooks to notify me when the unpaid subs remain unpaid for 7d? or would i need to schedule something on my side to check and cancel in 7d if still unpaid?
wintry hearth
There is not, no