csiplstripe_webhooks

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[peak sand]

👋 happy to help

[uneven wigeon]

How can we know or get data from webhook or API call that bank account used in ACH transfer is a Business Account or Personal Account. I do get account type and account holder type but it does not help me.

[peak sand]

are you using Financial Connection Accounts?

[uneven wigeon]

i am using stripe API to get payment from my client via ach transfer

[peak sand]

https://docs.stripe.com/financial-connections/ach-direct-debit-payments#access

oh so it's not ACH direct debit

[uneven wigeon]

is there a way to get that kind of data

[peak sand]

would you mind sharing a request where you collect a payment or setup one

[uneven wigeon]

this is some part of code

$stripe->checkout->sessions->create([
'mode' => 'payment',
'customer' => $customer->id,
'payment_method_types' => ['us_bank_account'],
'payment_method_options' => [
'us_bank_account' => [
'verification_method' => 'instant',
'financial_connections' => ['permissions' => ['payment_method']],
],
],
'line_items' => [[
'price_data' => [
'currency' => 'usd',
'product_data' => [
'name' => $OrderDescription,
],
'unit_amount' => $amount
],
'quantity' => 1,
]],

[peak sand]

ok perfect

so you're using finanical conenctions

refer to the doc I sent earlier

and I think the permission you're looking for is ownership

[uneven wigeon]

yes the stripe doc the show this json data

{
"id": "fca_zbyrdjTrwcYZJZc6WBs6GPid",
"object": "financial_connections.account",
"ownership": {
"id": "fcaowns_1MzTG4IG1CZuezXppfPbUpXb",
"object": "financial_connections.account_ownership",
"created": 1651784999,
"owners": {
"object": "list",
"data": [
{
"name": "Jenny Rosen",
"email": "[e-mail]",
"phone": "[phone]",
"ownership": "fcaowns_1MzTG4IG1CZuezXppfPbUpXb",
"raw_address": "510 Townsend San Francisco, CA 94103",
"refreshed_at": 1651784999
}
],
"has_more": false,
"url": "/v1/financial_connections/accounts/fca_zbyrdjTrwcYZJZc6WBs6GPid/owners?ownership=fcaowns_1MzTG4IG1CZuezXppfPbUpXb"
}
},
"ownership_refresh": {
"status": "succeeded",
"last_attempted_at": 1651784999,
"next_refresh_available_at": 1651785000
},
// ...
}

but this might not tell me if account is a business account

[peak sand]

actually you have it here https://docs.stripe.com/api/payment_methods/object#payment_method_object-us_bank_account-account_holder_type

[uneven wigeon]

let me check

that account holder type and account type information is already being captured

i thought there might be some other method to know if bank account is owned by a company

[peak sand]

no I don't think so