mac-canada-acss | Stripe Developers | Page 1

elder flameBOT Jun 22, 2023, 3:37 PM

#

urban pewter Jun 22, 2023, 3:45 PM

#

hey there

#

Can you share the erroring request ID?
eg, req_1234 https://stripe.com/docs/api/request_ids / https://support.stripe.com/questions/finding-the-id-for-an-api-request

elder flameBOT Jun 22, 2023, 3:48 PM

#

regal pagoda Jun 22, 2023, 3:55 PM

#

mac-canada-acss

dire kiln Jun 22, 2023, 3:55 PM

#

I just want to know if I am doing this correctly:

I create a Bank Account Token using a Canadian Test Bank Account: https://api.stripe.com/v1/tokens?bank_account[country]=CA&bank_account[currency]=CAD&bank_account[account_holder_name]=JennyRosen&bank_account[account_holder_type]=Individual&bank_account[routing_number]=11000-000&bank_account[account_number]=000123456789
What is the best way to attach this bank account to the customer?

regal pagoda Jun 22, 2023, 3:56 PM

#

Stripe accounts in the US can accept ACH debit which is bank debits for US customers at US banks.
Stripe accounts in Canada can accept ACSS Debit which is bank debit for Canadian customers at Canadian banks

#

which one are you trying to do?

dire kiln Jun 22, 2023, 3:56 PM

#

"Stripe accounts in Canada can accept ACSS Debit which is bank debit for Canadian customers at Canadian banks"

regal pagoda Jun 22, 2023, 3:58 PM

#

Okay so then you are using the wrong API entirely. The Token API will never work for this at all

#

You need to read https://stripe.com/docs/payments/acss-debit

dire kiln Jun 22, 2023, 4:01 PM

#

wait so the Token is not going to work to create a Canadian Bank Account? It workes when I use US Bank Account only?

regal pagoda Jun 22, 2023, 4:03 PM

#

The Tokens API is not for this feature at all. It's for Payouts when you send funds to a business' real bank account outside of Stripe

#

It also works for legacy reason for ACH Debit for payments because that was built back in 2015. But it's been deprecated for a while

#

ACH Debit also is on PaymentIntent/PaymentMethod now, see https://stripe.com/docs/payments/ach-debit so the third-party system/library you're using is a bit outdated I would say

dire kiln Jun 22, 2023, 4:05 PM

#

Well I am using this: https://github.com/killbill/killbill-stripe-plugin

and they say "Starting with 7.3.0, the Setup Intents API is used to validate and store payment instruments, instead of the Payment Intents API."

regal pagoda Jun 22, 2023, 4:05 PM

#

I can't really speak to a third-party tool like that. There are thousands of them so we don't really know them

#

ACH and ACSS both work fine and are available and have been for a long time

#

you should never be creating a Token in the first place

#

They are also incorrect to always use SetupIntents. This API is only if you are not taking a payment upfront, you shouldn't use SetupIntents first and immediately charge that PaymentMethod after the fact so they seem to be confused unfortunately

dire kiln Jun 22, 2023, 4:10 PM

#

Can you please let me know what the best way is to take a payment via ACSS via the API is then? and if you can point me to an example that would be really appreciated

regal pagoda Jun 22, 2023, 4:12 PM

#

Sure, that's exactly what the docs I linked you to walk you through end to end https://stripe.com/docs/payments/acss-debit

dire kiln Jun 22, 2023, 4:13 PM

#

but we do not want to use any frontend integrations

regal pagoda Jun 22, 2023, 4:13 PM

#

You have to

dire kiln Jun 22, 2023, 4:15 PM

#

Is there way we can create our own frontend form and the siply pass the info via the API or ACSS?

regal pagoda Jun 22, 2023, 4:15 PM

#

I'd recommend talking with our support team about your product needs, how your business model is built, where you got the bank account details from, etc. And then they can help you figure out next steps: https://support.stripe.com/contact/
ACSS Debit comes with extremely strict rules around UIs, mandate and terms of services, etc. You can't just pass raw bank account details like this usually so the support team will be better equipped to help you instead

#mac-canada-acss