newt-ach-failure | Stripe Developers | Page 1

slow runeBOT Jun 26, 2023, 4:35 PM

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steady shoal Jun 26, 2023, 4:41 PM

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So what kind of account, what kind of charge are we talking about? Direct, Destination, Standard, Express?

fallow lake Jun 26, 2023, 4:43 PM

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Account Type: Custom

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Charge Id: py_3NMCm2IJwkxnVmNV0CBgSJxJ

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Charge Type: Destination since it includes this info when creating the payment intent

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Please double check everything I am saying in case I am making some silly mistakes

steady shoal Jun 26, 2023, 4:46 PM

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Okay so we are talking about this section of the docs here: https://stripe.com/docs/connect/destination-charges#issuing-refunds

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Sort of since it's not a Refund

fallow lake Jun 26, 2023, 4:47 PM

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Mmmmm... are we? I mean, this is just an ACH payment that fails because of insufficient funds

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Yeah

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that's what I thought

steady shoal Jun 26, 2023, 4:49 PM

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So the payment fails for a payment made on the Platform (since it's a Destination charge) and you weren't expecting the transfer to reverse automatically.

fallow lake Jun 26, 2023, 4:50 PM

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Yeah... I was not expecting that to happen because of a conversation we had with Bizmark a couple of weeks ago

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Platform Account charge ID: 
py_3N8S3hDfcmTYbu9Y2l3Ewjim
Connected Account charge ID: py_1N8UFBReuSH4sbg7GWKBeaUV 

bismarck — Today at 11:49 AM
So yeah these are two different things
One is a bank debit payment on your platform.
The other is a payment to the Connected Account that is the result of a transfer.
The transfer comes from the bank debit payment.
Bank debits are async but we transfer the funds immediately.
If the bank debit fails, then you would need to reverse the transfer

NewtReyes — Today at 11:51 AM
If the bank debit fails, then you would need to reverse the transfer
Mmmmm... in this case, is this done automatically or do we have to listen and react to some webhook?

bismarck — Today at 11:53 AM
Nope you would need list for payment_intent.payment_failed
Recommend testing this out in test mode. You can do so using our test account numbers here: https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=checkout#test-account-numbers

NewtReyes — Today at 11:58 AM
Awesome
Dude, thank you so much
I am happy whenever I get you to explain stuff```

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That's the conversation we had

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Maybe I misunderstood something?

steady shoal Jun 26, 2023, 5:04 PM

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I'm double checking with my colleagues. We want to make sure we didn't miss anything either

slow runeBOT Jun 26, 2023, 5:13 PM

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earnest geyser Jun 26, 2023, 5:13 PM

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newt-ach-failure

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@fallow lake It seems the reversal happens automatically. It wasn't always true, and sometimes we've had cases where it didn't work. Overall it looks like it just works for you and you should be all set

fallow lake Jun 26, 2023, 5:25 PM

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@earnest geyser Got you. Good news for us!!!

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Thank you @earnest geyser

#newt-ach-failure