_kamih_ | Stripe Developers | Page 1

buoyant needleBOT Sep 12, 2023, 5:18 PM

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gritty cloud Sep 12, 2023, 5:20 PM

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Hello! If you mean via ACH direct debit, no, that should not be possible. If you mean by ACH credit transfer, that's theoretically possible if they send the funds to the ACH account specified after paying it.

short kite Sep 12, 2023, 5:21 PM

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I'm waiting to hear back from a customer, but it looks like this is what happened. Cause they paid an invoice via credit card, and several days later, the source associated with the ACH was charged. I see a source.transaction.created event on that day.

gritty cloud Sep 12, 2023, 5:22 PM

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Can you give me the Event ID? Starts with evt_

short kite Sep 12, 2023, 5:22 PM

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evt_1NYnUwEib9TdzxSqYE9DXqGf

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I received an email from you about this: We noticed that you have received customer payments, but your Stripe integration has not created charges for them so this money has not been allocated to your balance. This can happen when received payments don’t match the amounts that you expect.

gritty cloud Sep 12, 2023, 5:24 PM

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Yep, that's what happened.

short kite Sep 12, 2023, 5:24 PM

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Damn.

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Why is this even possible?

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It's not possible on your end, is it? Would the customer actually have to initiate an ACH transfer on their side, manually?

gritty cloud Sep 12, 2023, 5:26 PM

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It's the nature of how ACH credit transfers work. You give your customers bank details they can send funds to, and they can do that at any time.

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Yeah, the customer decided to send these funds.

short kite Sep 12, 2023, 5:26 PM

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Several of their people had access to their invoice... it's possible that a second person paid again thinking it hadn't been done yet.

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Will know more when they reply.

gritty cloud Sep 12, 2023, 5:27 PM

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Yep, that's very possible.

short kite Sep 12, 2023, 5:27 PM

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So the rest of your email says: These funds will be automatically charged on your behalf on September 15, 2023, though we encourage you to review these transactions in your Dashboard before then so you can charge or refund them yourself.

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I checked in my dashboard and I can't seem to cancel this ACH source.

gritty cloud Sep 12, 2023, 5:28 PM

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You can't cancel it, no, but you should be able to refund.

short kite Sep 12, 2023, 5:28 PM

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How?

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And will I be charged a fee?

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Do I have to wait until this is automatically charged on the 15th?

gritty cloud Sep 12, 2023, 5:29 PM

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There are details here: https://stripe.com/docs/sources/ach-credit-transfer#refunds

short kite Sep 12, 2023, 5:29 PM

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You can only make refunds to US domiciled bank accounts. If your customer’s bank account is outside the US, you must handle the refund outside of Stripe.

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This is a French customer...

gritty cloud Sep 12, 2023, 5:31 PM

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Ah. Sorry. 😅

short kite Sep 12, 2023, 5:31 PM

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Ok I will make sure to always uncheck ACH options in invoices in the future...

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Guess I'm going to have to deal with this with the customer and hope they don't think I tried to defraud them!

gritty cloud Sep 12, 2023, 5:32 PM

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Hopefully if you're proactive about it they'll understand.

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After all, they're the ones who explicitly paid it twice. 😅

short kite Sep 12, 2023, 5:32 PM

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yes...

gritty cloud Sep 12, 2023, 5:32 PM

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The other thing you could do is refund the card payment.

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But you may want to wait and see what they say first.

short kite Sep 12, 2023, 5:33 PM

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Yes, that's an option.

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Ok, well thank you for your help!

#_kamih_