ayeshaikh_7 | Stripe Developers | Page 1

tiny vineBOT Jan 8, 2024, 3:55 AM

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jade stone Jan 8, 2024, 3:55 AM

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Is it only for when payment intent api is used?

burnt fulcrum Jan 8, 2024, 3:56 AM

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Descriptor code was introduced when micro-deposit on ACH was supported

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Descriptor code will be used if the verification is done via microdeposits

jade stone Jan 8, 2024, 3:56 AM

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Or it's the same for sources api as well?

burnt fulcrum Jan 8, 2024, 3:59 AM

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Sources API doesn't require descriptor code. However, Sources API is legacy and no longer recommended.

ACH direct debit on Payment Intent is the recommended integration: https://stripe.com/docs/payments/ach-debit/accept-a-payment?platform=web&ui=API

Accept an ACH Direct Debit payment

Build a custom payment form or use Stripe Checkout to accept payments with ACH Direct Debit.

jade stone Jan 8, 2024, 3:59 AM

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yeah, I have legacy implementation.

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Just to confirm again,
When using Sources API for creating bank account, only way to verify bank account is micro deposit amounts

And for when using payment intent API for creating bank account, for ACH verification descriptor code is needed.. if not that then it falls back to micro deposit

burnt fulcrum Jan 8, 2024, 4:17 AM

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When using Sources API for creating bank account, only way to verify bank account is micro deposit amounts
Yes. Please note that ACH on Sources API is eprecated: https://stripe.com/docs/ach-deprecated

And for when using payment intent API for creating bank account, for ACH verification descriptor code is needed.. if not that then it falls back to micro deposit
If instant verification for ACH direct debit is on Payment Intent, descriptor code is not needed. Descriptor code is only required if the verification is performed through microdeposits

ACH with Charges and Sources

This is a US-only, legacy guide for accepting ACH payments with our older Charges and Sources API integration.

jade stone Jan 8, 2024, 4:37 AM

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Thanks

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A few questions,
I collect payment methods for future payments.
When doing so, can every US bank account be instantly verified? Or is it on the customer to either opt in on instant verification?

burnt fulcrum Jan 8, 2024, 4:43 AM

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By default, instant verification will be performed on Payment Intent integration with a fallback option of manual account number entry and microdeposit verification.

jade stone Jan 8, 2024, 4:45 AM

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Got it, thanks!

burnt fulcrum Jan 8, 2024, 4:48 AM

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No problem! Happy to help 😄

#ayeshaikh_7