#daniel_62571
hardy wind
shut stirrup
Good question, can you send me the request ID (req_123) from a time that you saw this error?
https://stripe.com/docs/api/request_ids
https://dashboard.stripe.com/test/logs
lusty vigil
Sure yeah thanks. Its req_kq4HwrscfMK76q
shut stirrup
Also, that is our legacy flow. Are you working with an existing legacy integration? For users that are starting now, we reccommend using our newer integration with PaymentMethods and PaymentIntents
lusty vigil
Yes unfortunately dealing with a legacy setup where migrating to the recommended way would be a huge hurdle
shut stirrup
No worries, just checking because some users do accidentally try to start on legacy flows. Checking in to what happened with this request...
And have you been able to charge other customers with push ACH?
lusty vigil
No have not. I was told at one point in time it worked, but required some webhook in prod from Stripe around the source moving from pending to "active"? state
shut stirrup
I am seeing that that source's status is pending rather than chargeable, so that does make sense. You may just need to wait on the source to become chargeable. Looking for our doc on that
Oh sorry, I misunderstood the flow for a moment. It looks like it is expected for the source to be in a pending state until the Customer has sent funds to the account number on the source. Once Stripe receives funds (which typically takes 1-2 days from sending) the Source's state becomes chargeable
https://stripe.com/docs/sources/ach-credit-transfer#customer-action
lusty vigil
Hmm ok thanks. So my understanding is wrong then. Essentially what I'm trying to do is create a Charge against a customer's bank account when I already have access their account. (i.e. routing number, account number, etc...) Sounds like this is not the correct way for it then if they have to first send funds before doing a charge
I see there is a ach debit option, but Charge API doesnt seem to support it
Would you have any recommendation?
shut stirrup
The Sources API does support ACH debit, so you should be able to use the flow in this doc as far as I am aware https://stripe.com/docs/ach-deprecated
Or did you run in to an issue when trying to implement that?
lusty vigil
Well we use the Plaid way already from the docs you linked, but for this subset of bank accounts, we dont want to, because the bank accounts belong to our platform so it makes no sense to force a link through Plaid. It looks like the manual option is what I need https://stripe.com/docs/ach-deprecated#manually-collecting-and-verifying-bank-accounts but it's expecting to use some Stripe.js token generator from the client. If I dont want to involve the customer at all, can I generate this token myself on the backend since I have all the banking related data?
shut stirrup
API-wise you can but I am honestly not sure if there are regulatory implications similar to doing this with a credit card number
https://stripe.com/docs/api/customer_bank_accounts/create#customer_create_bank_account-source-account_number
So as far as I know, you can do this, but would recommend double checking with our support team if there are any implications like that for this https://support.stripe.com/?contact=true
lusty vigil
ok thanks a lot! i i will look into this and go from there
lusty vigil
Actually @shut stirrup thought of another solution. So we have another set of APIs via our bank that owns these subset of accounts, which we can just use to pull the money from the customer into our own company's connected account. The final step here that Im unsure about is that I'd like to move this fund sitting in the company Stripe connected account, into the customer's connected account balance. Is there a Stripe flow to do this? thanks
shut stirrup
Once the funds are in your platform account's balance, you can create a transfer to send them to the connected account's balance https://stripe.com/docs/api/transfers/create
lusty vigil
Oh its just a single transfer? ok I will try that thanks so much
shut stirrup
Actually apologies, I think I misread your question.
Rereading
So you mention that your company has a connected account and your customer has a connected account. Do you have a platform account that both of those are connected to?
lusty vigil
tldr: funds for X amount are in connected account A. connected account B has -X available balance. would like to move X funds from connected account A to connected account B so that connected account B has 0 balance
Yes I'm 99% sure on platform acct. will confirm on that
shut stirrup
If it is possible to send these funds directly to your platform account instead, I would reccommend doing that. In that case you can just make the transfer with the API that I linked to
Otherwise if you have US based Express or Custom connect accounts and a US platform account, you can do an account debit (though I am not immediately if that would incur a Stripe fee)
https://stripe.com/docs/connect/account-debits
If neither of those are viable I am happy to help look in to other options
lusty vigil
ok thank you! I believe the first case applies to our setup so that should work