razor | Stripe Developers | Page 1

orchid condorBOT Jul 7, 2023, 5:16 AM

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noble bronze Jul 7, 2023, 5:16 AM

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Can you share the request ID (req_xxx) which you recieved the error? Here’s how you can find it: https://support.stripe.com/questions/finding-the-id-for-an-api-request

Finding the ID for an API Request : Stripe: Help & Support

Find help and support for Stripe. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

azure monolith Jul 7, 2023, 5:17 AM

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seti_1NR6z9A7gLGHnq7KTwuqWCuX

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req_ZgGExlpk6SYPNa

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here's my code for using the client_secret. pretty much exactly as https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-collect-mandate-and-submit

📎 message.txt

noble bronze Jul 7, 2023, 5:27 AM

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I'm still looking into how to test microdeposit flow with setup intent in test mode

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I don't see the error in your request history. Where did you face the error from?

azure monolith Jul 7, 2023, 5:37 AM

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      const stripeSetup = await stripe.collectBankAccountForSetup({
        clientSecret: cs,
        params: {
          payment_method_type: 'us_bank_account',
          payment_method_data: {
            billing_details: {
              name: ident.fullName || `${ident.firstName} ${ident.lastName}`,
              email: ident.email,
            },
          },
        },
        expand: ['payment_method'],
      });

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I created the setupIntent (from above), then used the clientSecret to collectBankAccountForSetup. it then failed with that message

noble bronze Jul 7, 2023, 5:38 AM

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With the use of microdeposit, your client should also submit bank_account in stripe.confirmUsBankAccountPayment as mentioned here: https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#microdeposit-only-verification

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You should use confirmUsBankAccountPayment instead of collectBankAccountForSetup

azure monolith Jul 7, 2023, 5:43 AM

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ok, lets back up a bit. the only reason for making the change from automatic to microdeposits is because @torn scaffold claimed that I could not test microdeposits in test mode and it was only testable in production. which baffels me because I need to know my app works with the "microdeposit" fallback. so to mimic microdeposits, I changed my setupintent code to force microdeposits. but now you're telling me I need to change all my clientside code too?

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#1126697428477812766 message

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i DONT want to do "microdeposit only verification". but if @torn scaffold is correct, and I indeed cannot test microdeposits in test mode, then how else can I test them? it seems like stripes test_mode is broken

noble bronze Jul 7, 2023, 5:47 AM

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Thanks for sharing! Let's step back a bit to your originial automatic verification. When you click "Enter account details manually", what does it happen?

azure monolith Jul 7, 2023, 5:51 AM

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one sec, let me grab a screenshot

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i have to revert some code

noble bronze Jul 7, 2023, 5:53 AM

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"Enter account details manually" should be able to test microdeposit flow

azure monolith Jul 7, 2023, 5:53 AM

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noble bronze Jul 7, 2023, 5:53 AM

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Yup, this looks correct

azure monolith Jul 7, 2023, 5:54 AM

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right, however, the response of stripe.confirmUsBankAccountSetup(cs); is setupIntent.status === "succeeded"

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according to the docs, it's supposed to be stripeConfirm.setupIntent.next_action?.type === "verify_with_microdeposits"

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but next_action is null

noble bronze Jul 7, 2023, 5:56 AM

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Can you share the Setup Intent ID (seti_xxx) that you used for with manually entering card details?

azure monolith Jul 7, 2023, 5:57 AM

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seti_1NR7eJA7gLGHnq7KoVzMN4An

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this is what i'm trying to test: https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-verify-with-microdeposits

noble bronze Jul 7, 2023, 6:19 AM

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I'm able to get microdeposit integration with entering bank account manually on my end. Checking the differences between my request and yours now

azure monolith Jul 7, 2023, 6:21 AM

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just to confirm, you're in test mode?

noble bronze Jul 7, 2023, 6:21 AM

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yup, i'm in test mode

azure monolith Jul 7, 2023, 6:27 AM

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ok, that's reassuring then. thanks for verifying that. when jack said "I don't see a way to simulate it in test mode" I was confused because I had thought this was integral to making sure payment flow is working for all states.

here's how I setupIntent on the server:

return await client.setupIntents.create({
    customer: customerId,
    flow_directions: ['outbound'],
    payment_method_types: ['us_bank_account'],
    payment_method_options: {
      us_bank_account: {
        financial_connections: {
          permissions: ['payment_method'],
        },
        verification_method: 'automatic',
      },
    },
    metadata: {
      userId: user.uuid,
    },
  })

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and the client:

      const stripeSetup = await stripe.collectBankAccountForSetup({
        clientSecret: cs,
        params: {
          payment_method_type: 'us_bank_account',
          payment_method_data: {
            billing_details: {
              name: ident.fullName || `${ident.firstName} ${ident.lastName}`,
              email: ident.email,
            },
          },
        },
        expand: ['payment_method'],
      });

      if (stripeSetup.error) {
        DEBUG && console.error('Failed to open stripe bank flow', stripeSetup.error);
        return;
      }

      if (stripeSetup.setupIntent.status === 'requires_confirmation') {
        const stripeConfirm = await stripe.confirmUsBankAccountSetup(cs);
        if (stripeConfirm.error) {
          DEBUG && console.error('Failed to confirm stripe bank account', stripeConfirm.error);
          return;
        } else if (stripeConfirm.setupIntent.status === "requires_payment_method") {
          DEBUG && console.error('Stripe payout FAILED.  try again with a different payment method');
        } else if (stripeConfirm.setupIntent.status === "succeeded") {
          DEBUG && console.log('Stripe payout confirmed, Payment Method attached to the Customer');
        } else if (stripeConfirm.setupIntent.next_action?.type === "verify_with_microdeposits") {
          DEBUG && console.log('Microdeposits!!!');
        } else {
          DEBUG && console.error('Unable to confirm the SetupIntent, re-fetch the SetupIntent for details');
        }
      } else {
        return null;
      }

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it's basically the same as the docs, so I dont see what i'm doing different from you

noble bronze Jul 7, 2023, 6:38 AM

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Do you see this page in your integration?

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I copied your code into mine and I'm able to get microdeposit

azure monolith Jul 7, 2023, 6:42 AM

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no, I dont

noble bronze Jul 7, 2023, 6:44 AM

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can you remove flow_directions in your setup intent creation?

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my only differences with yours is not having flow_directions in setup intent creation request

azure monolith Jul 7, 2023, 6:46 AM

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noble bronze Jul 7, 2023, 6:47 AM

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What happened after you enter the bank information manually?

azure monolith Jul 7, 2023, 6:47 AM

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noble bronze Jul 7, 2023, 6:48 AM

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The only difference is after entering bank information manually, not at this page

azure monolith Jul 7, 2023, 6:48 AM

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it works now

noble bronze Jul 7, 2023, 6:49 AM

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So without flow_directions, you're able to get microdeposits?

azure monolith Jul 7, 2023, 6:49 AM

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but you can see the text is different in that modal

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one says "manually verify instead" and the other says "enter account details manually instead"

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subtle difference

azure monolith Jul 7, 2023, 6:49 AM

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noble bronze So without `flow_directions`, you're able to get microdeposits?

correct

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what is flow_directions anyways?

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ok, so we might need flow_directions set to outbound because we want to restrict pulling money out of connected accounts. for our purposes, we only want to pay our users via ACH, not debit from them. Perhaps there is a bug with stripe that's causing microdeposits to fail for this scenario?

noble bronze Jul 7, 2023, 6:57 AM

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outbound if you intend to use the payment method as the destination to send funds to, so verification is not required

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only when you're planning to debit with inbound, then verification is required

azure monolith Jul 7, 2023, 6:58 AM

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so for our purposes, we will never have microdeposits?

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what if a user enters their bank account details wrong?

noble bronze Jul 7, 2023, 7:00 AM

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if you want to perform verification, then i'd recommend not setting flow_directions

azure monolith Jul 7, 2023, 7:01 AM

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but we also, as a security, want to prevent our keys from being able to pull funds from our user accounts

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so I think we will want to keep flow_directions to outbound. but I need to make sure that stripe does some other sort of verification to ensure a user can't enter an account incorrectly. and if not, then what happens if funds are sent to the wrong account?

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iow: is there a refund mechanism?

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(I can't imagine there being one though)

noble bronze Jul 7, 2023, 7:06 AM

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Stripe performs format validation to ensure the input bank account is in correct format

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Verification is only required when pulling the funds from the bank account, but not paying out

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There is no revert mechanism after the fund is paid out

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If the payout is failed due to incorrect bank account entered, payout.failed event will be sent

azure monolith Jul 7, 2023, 7:10 AM

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this all makes so much more sense now. thanks River! glad you stuck with me through this long debugging. I would like to note that the documentation doesn't mention flow_directions much at all, and it could help tremendously if the content that we discussed was added as an aside to the docs here https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#test-integration

noble bronze Jul 7, 2023, 7:11 AM

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For https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#test-integration, this is used to save the payment method for payment purpose instead of payout

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That is likely the reason why flow_directions isn't included since this doc isn't meant for connect use case

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Thanks for your feedback and I'll forward to the team to add flow_directions in relevant doc page

azure monolith Jul 7, 2023, 7:13 AM

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are there other docs for how to setup for payout purposes?

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I had assumed that the docs were covering ACH debit, but it could be applied to payout as well

orchid condorBOT Jul 7, 2023, 7:18 AM

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oblique merlin Jul 7, 2023, 7:21 AM

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Hi there, Payout is an entire different process and you just setup the bank account one time, we verify it, then done for your account

azure monolith Jul 7, 2023, 7:35 AM

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but you still need to do the setupIntent and confirmUsBankAccountSetup , right?

oblique merlin Jul 7, 2023, 7:39 AM

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Yep, in this guide indeed https://stripe.com/docs/connect/payouts-bank-accounts?bank-account-collection-method=financial-connections&bank-account-collection-integration=direct-api

Managing bank accounts and debit cards

Learn how to manage bank accounts and debit cards on your Custom connected accounts.

#razor