yaroslav_25808 | Stripe Developers | Page 1

serene lanternBOT Sep 5, 2023, 7:32 PM

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austere furnace Sep 5, 2023, 7:32 PM

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Hello

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No there is no balance check before submitting a charge.

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You could do this from your end with our newer ACH flow where you would check the balance of the Financial Account: https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API#access-data-on-a-financial-connections-bank-account

sterile maple Sep 5, 2023, 7:42 PM

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but this new ACH flow does not have integration with Plaid, right? or can I call new API by keeping existing integration Plaid -> Stripe?

austere furnace Sep 5, 2023, 7:42 PM

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Correct it does not use Plaid. It has its own Instant Verification built in so you would not use Plaid in this case.

serene lanternBOT Sep 5, 2023, 7:44 PM

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sterile maple Sep 5, 2023, 7:48 PM

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so if we keep existing integration with Plaid and call Plaid balance check API in Subscription webhook (invoice.created) and toggle auto_advance: false https://stripe.com/docs/invoicing/integration/automatic-advancement-collection#update-auto
would it prevent making charge?

hot kraken Sep 5, 2023, 7:51 PM

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👋 Not aware of the Plaid Balance check API myself, so not sure if the token you generated would work with that by default.

But yes, if you could get the balance from the account then you can set auto advance to false when the invoice is in draft
This wouldn't work for initial subscription invoice though, would work for subsequent renewal invoices.

sterile maple Sep 5, 2023, 7:55 PM

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ok, one more question we use Plaid access_token to create bank processor token and pass it to stripe. Plaid access_token has a tendency to expire and once it happens we can not call Plaid API until user renews connection. How does it impact on Stripe Subscription side?

#yaroslav_25808