#calebmmmm
cinder hound
Hi 👋
We do have ACH Direct Debit and you can specify that you only want to use instant verification
halcyon heron
instant verification will require the user to enter their banking login... correct? I am wondering if there is a payment method that only requests routing number and account number.
I understand the two methods: instant account verification and micro-deposits
I am asking if there is a 3rd method that is more simple
cinder hound
We do allow you to create a Payment Method using the account details: https://stripe.com/docs/api/customer_bank_accounts/create but I think it would still require verification after it is created.
halcyon heron
Is there a payment method that would allow the customer to only enter their account # and routing # and that is it?
no microdeposits to verify and no future email to verify
cinder hound
That is what I just shared
But no, we don't have anything pre-built with Stripe.js that does that
halcyon heron
I don't believe its possible to even build something with your apis
do you think it's possible?
cinder hound
I just shared the API that will allow you to create a Payment Method with the checking account information. But I warned you it would likely still require verification.
halcyon heron
the link you shared is not helpful and does not even address creating payment methods
and your answer is a non answer
you should have just said: probably not, but I don't know... It is not helpful to me.
Maybe you could do more digging to check?
or ask somebody else?
cinder hound
Okay, that approach is not recommended and as such we do not have documentation about it. We recommend the financial connection approach documented here: https://stripe.com/docs/payments/ach-debit.
That being said, some integrations still collect bank account information themselves and use it to create Tokens via this API: https://site-admin.stripe.com/docs/api/tokens/create_bank_account
THis exposes you to a very high PCI compliance burden as it does not use any of Stripe.js features to reduce PCI issues
halcyon heron
I understand that it is not recommended and certainly not ideal. This would only be used by backend admin staff. My client is asking if it is possible so I am trying to figure that out. For example: client has a stack of payment checks and wants to process those payments by entering in the check's info rather than depositing the checks directly into their account. This would allow the checks to be processed thru custom applicaiton we build and would allow for the stripe API's to be used for payment processing and payment routing thru to my client.
I am reading the documentation link you sent and I still do not believe it is possible. "A customer's bank account must first be verified before it can be charged. Stripe uses Plaid or micro deposits for account verification
unless you know of something else that might work?
I do not believe it is possible to use only account info to do a charge.
cinder hound
I think that is correct. A verification process of some sort must occur for the bank identified by the account information to permit the movement of funds out of it.
inland ruinBOT
halcyon heron
I wonder what service all the venders are using that accept E-checks over the phone?
cinder hound
That is another service that Stripe offers but requires writing in to Support: https://support.stripe.com/?contact=true
Mail Order/Telephone Order
halcyon heron
They only ask for Account #, Routing #, Check #, and the authorized payment amount.
cinder hound
You would need to write in to Support to see if that is a feature we could offer.