bachir_error

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[signal storm]

Req: https://dashboard.stripe.com/logs/req_bBftdMPup0L7yt

[runic sky]

Do you have the ID of a time that this succeeded? As far as I know, you should need to verify the accounts each time

[signal storm]

I can't find the attach query that succeeded in the logs, but you can see here that this ACH payment succeeded https://dashboard.stripe.com/payments/pi_3P3q4WH5tvrIOuhg1FbnmHo0

[runic sky]

For that payment, it looks like the subscription was created with an already attached payment method https://dashboard.stripe.com/logs/req_YCaxI3MUlu2cqo

It does look like that PM was created and attached similarly to the request that you sent before, looking in to what the difference is

Can you send me your code for setting up the payment element and creating the payment method?

[signal storm]

sure

I truncated what I could - code is way more complex so I hope this is helpful:

client:

  import { PaymentElement as StripePaymentElement } from "@stripe/react-stripe-js";
  const stripePaymentMethodTypes = listPaymentMethods(...)
  const options: StripeElementsOptions = {
    mode: stripeRecurrenceInterval ? ("subscription" as const) : ("payment" as const),
    amount: displayedFormAmountWithTip || 100,
    currency,
    appearance: {},
    paymentMethodTypes: stripePaymentMethodTypes,
    // setupFutureUsage: "off_session" as const,
    paymentMethodOptions: {
      us_bank_account: {
        financial_connections: { permissions: ["payment_method" as const] },
      },
    },
    paymentMethodCreation: "manual" as const,
    setupFutureUsage: isPadOrAch ? ("off_session" as const) : undefined,
  };
return(
    <Elements key={locale} stripe={stripeInstance} options={options}>
    <StripePaymentElement
      id="payment-element"
      // When have a handler on our custom accordion, so this one becomes redundant
      onChange={showCustomAccordion ? undefined : handleStripePaymentMethodChange}
      options={paymentMethodOptions}
      onLoaderStart={onLoaderStart}
      onReady={onReady}
    />
</Elements>)

server:

    this.getStripeProvider(organizationCountry).paymentMethods.attach(stripePaymentMethodId, {
      customer: stripeCustomerId,
    });

    return this.getStripeProvider(country).subscriptions.create(params);

wait, I didn't send the create payment method part on the frontend

client (code is triggered on form submit):

    const elements = useElements();

    const res = await elements?.submit();
    if (res.error) {
      return;
    }

    const billing_details = getBillingDetails(submitCommandInput.paymentInput, organization);

    let paymentMethod: StripePaymentMethod | null = null;
      // Create the PaymentMethod using the details collected by the Payment Element
      const { error, paymentMethod: paymentMethod } = await stripe.createPaymentMethod({
        elements,
        params: {
          billing_details,
        },
       })

      if (error) {
        return;
      }
    
     // This calls the server and attaches the PM + creates the subscription when recurrent payment
    const submitResponse = await handleSubmitCommand({
      ...submitCommandInput,
      stripePaymentMethodId: paymentMethod.id,
    });

[quick beacon]

Hello! I'm taking over and catching up...

I think this is because sometimes people choose to perform manual verification of bank accounts instead of instant verification. Manual verification takes several business days because it uses microdeposits: https://docs.stripe.com/payments/ach-debit/accept-a-payment?web-or-mobile=web&payments-ui-type=direct-api#web-verify-with-microdeposits

[signal storm]

Hi!

How can we enforce instant verification ?

if possible

[quick beacon]

You can specify instant when creating the Payment Intent: https://docs.stripe.com/api/payment_intents/create#create_payment_intent-payment_method_options-us_bank_account-verification_method

That's not really recommended; it's going to prevent some people from paying (the ones who can't instantly verify their account).

[signal storm]

They already can't pay because of the error I sent 😅 Or do you recommend another way for these users ?

[quick beacon]

Your integration should account for manual verification that takes several days to happen.