Shahzaib | Stripe Developers | Page 1

broken auroraBOT Jul 25, 2023, 2:03 PM

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strong vortex Jul 25, 2023, 2:04 PM

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Hello 👋
Yes you should be able to use ACH without needing to use Plaid for your integration.

Here's a guide
https://stripe.com/docs/payments/ach-debit

urban vortex Jul 25, 2023, 2:07 PM

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Can you guide me a little more,
I am using react for frontend and nodejs for backend
I have already implement credit card logic and it's working fine.
So, Now can I use bank account number and routing number to create payment method code: const { error, paymentMethod } = await stripe.createPaymentMethod({
type: 'us_bank_account',
billing_details: {
name: 'John Doe', // Replace with the actual name of the customer
},
us_bank_account: {
account_holder_type: 'individual',
account_number: '000123456789',
routing_number: '110000000',
},
}) and then pass paymentMethod.id as card token and process the payment as I am doing in credit card flow?

strong vortex Jul 25, 2023, 2:08 PM

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Is there a guide you're following for this?

urban vortex Jul 25, 2023, 2:09 PM

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No, just trying to use given methods from stripe docs to rework already written code for credit card.
That's why asking you for guidance

strong vortex Jul 25, 2023, 2:13 PM

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Are you trying to save a payment method before charging? OR just straight up charge the payment method?

urban vortex Jul 25, 2023, 2:17 PM

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just straight up charge the payment method

strong vortex Jul 25, 2023, 2:18 PM

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For credit card payments, are you using PaymentElement?

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If you are,
https://stripe.com/docs/payments/accept-a-payment?platform=web&ui=elements

adding ACH debit it pretty straightforward. This doc gives you a step by step guidence
https://stripe.com/docs/payments/accept-a-payment?platform=web&ui=elements#add-more-payment-methods

urban vortex Jul 25, 2023, 2:19 PM

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I was using PaymentElement for credit card // const { error, paymentMethod } = await stripe.createPaymentMethod({
// type: 'card',
// card: elements.getElement(CardElement),
// })
But for now i am using hardcoded account number and routing number for testing stripe.createPaymentMethod({
type: 'us_bank_account',
billing_details: {
name: 'John Doe', // Replace with the actual name of the customer
},
us_bank_account: {
account_holder_type: 'individual',
account_number: '000123456789',
routing_number: '110000000',
},
})

strong vortex Jul 25, 2023, 2:21 PM

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.createPaymentMethod isn't the correct function for this.

Try following the guide here
https://stripe.com/docs/payments/accept-a-payment?platform=web&ui=elements#ach-debit

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also you seem to be using CardElement for the credit card payments (NOT payment element)

CardElement doesn't support ACH direct debit.

#Shahzaib