uladzislauchekanau | Stripe Developers | Page 1

bright windBOT Jul 24, 2023, 4:25 PM

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feral root Jul 24, 2023, 4:25 PM

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Hello! Currently I don't believe we have any video tutorials for this - we do have docs though (https://stripe.com/docs/treasury/moving-money/financial-accounts/into/inbound-transfers)

solar portal Jul 24, 2023, 4:26 PM

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Yeah, that's what scares me, cuz I am trying to follow the docs and it's basically not working, and nobody knows how it works and there is no video about it, so I am starting to think that this functionality doesn't work at all

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Okay, nevermind, thank you 🙂

feral root Jul 24, 2023, 4:32 PM

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If you have a specic requests/place you're stuck feel free to ask here and I can try and help

solar portal Jul 24, 2023, 4:34 PM

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How can I create an InboundTransfer with bank account? When I try myself I receive
{
"error": {
"message": "BankAccount ba_1NXR9tGawvWgtRr1xytk7U9n must have an active mandate to be valid. Please associate a mandate with this BankAccount by passing mandate_data to SetupIntents. See https://stripe.com/docs/payments/setup-intents#mandates for more information.",
"request_log_url": "https://dashboard.stripe.com/acct_1NXNyFGawvWgtRr1/test/logs/req_psT5pYC5LYzL5V?t=1690216076",
"type": "invalid_request_error"
}
}
But there is no way to assign mandate to a bank account, BankAccount doesn't even have any field related to Mandate

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https://stripe.com/docs/api/customer_bank_accounts/object

Stripe API reference – The bank account object – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

feral root Jul 24, 2023, 4:39 PM

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Yeah you wouldn't create the Mandate directly - like we say in the error message and in the docs, you'd want to use a SetupIntent to configure the bank account properly first

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This is probably what you want to read: https://stripe.com/docs/payments/ach-debit/set-up-payment

Save details for future payments with ACH Direct Debit

Learn how to save payment method details for future ACH Direct Debit payments.

solar portal Jul 24, 2023, 4:40 PM

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But SetupIntent creates PaymentMethod and not BankAccount

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And mandate is assigned to PaymentMethod and not BankAccount

feral root Jul 24, 2023, 4:43 PM

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You can use the BankAccount (ba_123 ID) you have with a SetupIntent - it'll just configure it to add the mandate and it'll still work with the inbound transfer flow

solar portal Jul 24, 2023, 4:44 PM

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How can I assign BankAccount to SetupIntent?

feral root Jul 24, 2023, 4:47 PM

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You'd set it as payment_method in the SetupIntent

solar portal Jul 24, 2023, 4:47 PM

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But it is payment method and not bank account ;/

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Okay, maybe another way: is it possible somehow to assign payment method to connected account?

feral root Jul 24, 2023, 4:52 PM

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Sorry let me back up

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BankAccounts are an older API that can be used as multiple things - we allow them to be used as PaymentMethods when properly configured

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For your flow, the SetupIntent is mainly to properly configure the BankAccount to have a mandate

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Just because you set it as payment_method doesn't mean that it'll stop working for your inbound transfers

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You can even see in the inbound transfers docs (https://stripe.com/docs/treasury/moving-money/working-with-bankaccount-objects#creating-a-setupintent) - they tell you to set it as payment_method

solar portal Jul 24, 2023, 4:58 PM

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So after I create bank account I have to once again create setup intent with that bank account in order for it to have mandate?

feral root Jul 24, 2023, 5:03 PM

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Yes - or you'd use the SetupIntent directly to create the BankAccount (it'll create it for you, instead of you having to create it separately)

solar portal Jul 24, 2023, 5:05 PM

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How can I do this?

feral root Jul 24, 2023, 5:08 PM

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It's all covered in the docs I sent over to you earlier (https://stripe.com/docs/payments/ach-debit/set-up-payment) - definitely read through the whole thing since we explain how to do it

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Also just want to reiterate - BankAccounts and PaymentMethods that you create for bank accounts can be used interchangeably (we mention this in our docs https://stripe.com/docs/treasury/moving-money/working-with-bankaccount-objects)

bright windBOT Jul 24, 2023, 5:09 PM

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solar portal Jul 24, 2023, 5:09 PM

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But here it only mentions UsBankAccount which not equals to BankAccount object

feral root Jul 24, 2023, 5:11 PM

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Did you read what I linked you to in https://stripe.com/docs/treasury/moving-money/working-with-bankaccount-objects ? We mention you can use PaymentMethods created for bank accounts with Inbound Transfers

solar portal Jul 24, 2023, 5:13 PM

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But payment method is attached to customer and not connected account and when I try to create InboundTransfer with pm_** it says it can’t find this PaymentMethod because it is not attached to the connected account

solar portal Jul 24, 2023, 5:14 PM

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feral root Did you read what I linked you to in https://stripe.com/docs/treasury/moving-mon...

I’ve read all these pages multiple times today already

feral root Jul 24, 2023, 5:16 PM

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We say it right here:
Attach the PaymentMethod to a connected account or platform account if you intend to use the payment method for an inbound transfer or outbound transfer between an external account that belongs to the same business as the Stripe account.

solar portal Jul 24, 2023, 5:19 PM

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I saw it 🙂 I have tried passing attach_to_self and on_behalf_of but then I receive the following error on the client side
{
"error": {
"message": "Cannot create a testmode session using a livemode API key, or vice versa.",
"request_log_url": "https://dashboard.stripe.com/test/logs/req_tTdxSA5RvZ9djB?t=1690209729",
"type": "invalid_request_error"

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And it’s actually so broken cuz it says I am using live key but I don’t even have it anywhere

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And if you ll try follow the link it will not lead to anywhere

feral root Jul 24, 2023, 5:24 PM

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Do you have the connected account ID that you tried linking it to?

solar portal Jul 24, 2023, 5:24 PM

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Give me a moment please

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Is it okay if this thread will hang for 10 mins, I am away from my computer rn

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?

feral root Jul 24, 2023, 5:25 PM

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yup go ahead

solar portal Jul 24, 2023, 5:25 PM

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Thanks

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acct_1NXNyFGawvWgtRr1

heavy hawk Jul 24, 2023, 5:34 PM

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Hello! I'm taking over and catching up...

solar portal Jul 24, 2023, 5:34 PM

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Sure

heavy hawk Jul 24, 2023, 5:40 PM

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Okay, so that connected account is connected to your platform in test mode only. For that request to succeed you need to make it using your test API key, not your live API key.

solar portal Jul 24, 2023, 5:40 PM

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As I have mentioned, I was not using live key, because I don't even have it 🙂

heavy hawk Jul 24, 2023, 5:41 PM

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So you used your platform's test key?

solar portal Jul 24, 2023, 5:41 PM

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Yep

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Request payload: client_secret=seti_1NXPxHKBaG8UnmrcaiT6UFHb_secret_OK45dsJuR3s0n1H99JgravMsZpGQBDN&attach_required=false&payment_method_data[type]=us_bank_account&manual_entry_only=true&key=pk_test_51***
{ message: "Cannot create a testmode session using a livemode API key, or vice versa.", request_log_url: "https://dashboard.stripe.com/test/logs/req_tTdxSA5RvZ9djB?t=1690209729", type: "invalid_request_error" }

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In the end of payload you can see it's a test key

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This problem is occurring only when I use attach_to_self: true when creating SetupIntent

heavy hawk Jul 24, 2023, 5:44 PM

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What's your ultimate goal? What are you trying to build?

solar portal Jul 24, 2023, 5:45 PM

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I want my customers to be able to move money in and out of financial account

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to/from bank account

heavy hawk Jul 24, 2023, 5:45 PM

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Using ACH?

solar portal Jul 24, 2023, 5:46 PM

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As far as I know it uses ACH by default for inbound transfers

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and for Outbound I am providing an ability to choose between ACH and Wire

heavy hawk Jul 24, 2023, 5:48 PM

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Why are you setting on_behalf_of to that connected account?

solar portal Jul 24, 2023, 5:49 PM

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I thought that's how I attach SetupIntent to the connected account

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isn't it?

heavy hawk Jul 24, 2023, 5:50 PM

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Yeah, it would be, but I don't understand why you're trying to connect this account to a Custom connect account?

solar portal Jul 24, 2023, 5:51 PM

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I want to have mandate on the bank account in order to create Inbound Transfer

heavy hawk Jul 24, 2023, 5:51 PM

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Oh, so this is the account representing a customer's bank account?

solar portal Jul 24, 2023, 5:52 PM

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yes

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For my customers I have Customer account and connected account with financial account

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For now, I create SetupIntent to have PaymentMethod attached to the Customer

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On setup_intent.succeeded I attach externalBankAccount to the connected account of a customer

heavy hawk Jul 24, 2023, 5:53 PM

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Instead of using on_behalf_of have you tried making the request/Setup Intent on the connected account instead?

solar portal Jul 24, 2023, 5:53 PM

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If you mean via Stripe-Account header - yes

heavy hawk Jul 24, 2023, 5:56 PM

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Same error or different with that approach?

solar portal Jul 24, 2023, 5:56 PM

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I don't remember actually, lemme do this again

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Different
{
"message": "The client_secret provided does not match any associated SetupIntent on this account.",
"param": "client_secret",
"request_log_url": "https://dashboard.stripe.com/test/logs/req_1HZv8rmGRXyml7?t=1690221548",
"type": "invalid_request_error"
}

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What's the purpose of on_behalf_of then?

heavy hawk Jul 24, 2023, 6:00 PM

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You have to create the Setup Intent on the connected account.

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on_behalf_of is when you have the Setup Intent on your platform but you want a connected account to be the merchant of record.

solar portal Jul 24, 2023, 6:00 PM

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I see, thanks

heavy hawk Jul 24, 2023, 6:01 PM

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If the Setup Intent is on the connected account then it's the merchant of record without you having to do anything extra.

solar portal Jul 24, 2023, 6:01 PM

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heavy hawk You have to create the Setup Intent on the connected account.

but I am passing Stripe-Account

heavy hawk Jul 24, 2023, 6:02 PM

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Right, but you need to create the Setup Intent on the connected account.

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Right now you're using a client secret that belongs to a Setup Intent that exists on your platform account.

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When you try to use that Setup Intent's client secret on a connected account you get the error above because the Setup Intent doesn't exist on that connected account.

solar portal Jul 24, 2023, 6:03 PM

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How do I create it on the connected account then?

heavy hawk Jul 24, 2023, 6:04 PM

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You use the Stripe-Account header when creating the Setup Intent.

solar portal Jul 24, 2023, 6:04 PM

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But that's what I am doing rn

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{
"message": "The client_secret provided does not match any associated SetupIntent on this account.",
"param": "client_secret",
"request_log_url": "https://dashboard.stripe.com/test/logs/req_1HZv8rmGRXyml7?t=1690221548",
"type": "invalid_request_error"
}

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this is the error I get

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on the FE

heavy hawk Jul 24, 2023, 6:04 PM

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Yeah, so you have a client secret, where did that come from?

solar portal Jul 24, 2023, 6:04 PM

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From my rest api

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I generate it on the BE and then I pass it to the FE

heavy hawk Jul 24, 2023, 6:05 PM

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Right. So did you modify your backend code to create the Setup Intent on the connected account?

solar portal Jul 24, 2023, 6:05 PM

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yes

heavy hawk Jul 24, 2023, 6:05 PM

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Or is it still creating the Setup Intent on your platform account?

solar portal Jul 24, 2023, 6:05 PM

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I am passing Stripe-Account now

heavy hawk Jul 24, 2023, 6:06 PM

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So it looks like this second request to get an elements session is taking place on your platform account, not the connected account.

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You need to add the Stripe-Account header there as well, since this needs to happen on the connected account where the Setup Intent is.

solar portal Jul 24, 2023, 6:06 PM

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I have to pass the connected account id on the FE also somehow?

heavy hawk Jul 24, 2023, 6:06 PM

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Yes.

solar portal Jul 24, 2023, 6:06 PM

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I see

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Lemme try it

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At least the form didn't fail now, but still I have one error but it's not related to current issue ig, I'll ask our FE engineer to help me proceed

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Thank you a lot!

#uladzislauchekanau