#EternalKnight
twilit crater
Hi
Could you share with me your latest follow up question ?
patent pelican
as mentioned in this - #1144181352447610933 message
I wanted to know how the instant verification works. Like does it invoke Stripe UI and then the user would enter their creds?
In the PaymentIntent object, if we pass the routing/account number, would that enable microdeposits automatically or what?
twilit crater
I wanted to know how the instant verification works. Like does it invoke Stripe UI and then the user would enter their creds?
What you want to know exactly ?
patent pelican
If we pass the bank routing/account numbers in PaymentIntent API, how would Stripe verify these?
Instant verification or microdeposits? does Instant verification need Stripe UI to be invoked in our app?
twilit crater
In the PaymentIntent object, if we pass the routing/account number, would that enable microdeposits automatically or what?
No that the microdeposits step only applies if your customer has elected to opt out of the instant verification flow in the previous step:
https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API#web-collect-mandate-and-submit.
that'll depends on the status of the payment_intent in response
I strongly encourage you to implement a complete test integration in order to understand the flow correctly:
https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API
patent pelican
ok let me go through this once
bleak ibexBOT
quick fiber
👋 taking over for my colleague. Let me know if there's any follow-up Qs I can answer!
patent pelican
ok so, from what I understand, instant verification happens in the checkout UI page, when the user enters the bank details, Stripe will automatically verify these and proceed to show the pay button.
But without using checkout, we make a direct API call from our server to payment Intent API, we can pass in the routing/account number as mentioned here - https://stripe.com/docs/api/payment_intents/create#create_payment_intent-payment_method_data
Will instant verification still be used? What if we don't pass the payment_method_options.us_bank_account as it's an optional dict, how will stripe verify the account now?
quick fiber
just give me a second to catch up on the context
quick fiber
oh I'm terribly sorry, I don't know how I missed responding to you
it's explained here https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API#web-create-payment-intent
patent pelican
Also is there no way to use Plaid with payment Intent API for ACH bank debit verification?
quick fiber
if you don't want to use Financial connections you can use https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API#web-verify-with-microdeposits
quick fiber
Also is there no way to use Plaid with payment Intent API for ACH bank debit ver...
we deprecated with in ACHv1
patent pelican
So as of now, Stripe does not partner with any third-party verification service for bank debits?
quick fiber
if you mean whether you can choose which 3rd-party verification service to use then yes you can't really choose
patent pelican
We can only choose between Financial Connections (instant verification) and microDeposists.
Is this correct?