#newtreyes_api

1 messages · Page 1 of 1 (latest)

keen falconBOT
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gaunt willow
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Hello! Can you provide more details? What do you mean by "accept the mandate" exactly?

wet meadow
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Hi Rubeus

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So, here's the issue: I am trying to use a payment method (ACH) that was created using the Payment Element. When trying to process the first payment with it, I am getting the following error:

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Payment Processing error: This PaymentIntent requires a mandate, but no existing mandate was found. Collect mandate acceptance from the customer and try again, providing acceptance data in the mandate_data parameter.```
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Previously, we were using a SetupIntent and we were able to call Stripe JS confirmUsBankAccountSetup method once the user had accepted the mandate on screen

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Is there something like that when the payment method is created using the Payment Element?

gaunt willow
wet meadow
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Here: req_cGKn5wsdmxEDRz

gaunt willow
wet meadow
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But we are using neither a payment intent nor a setup intent

gaunt willow
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The request you just gave me is the creation request for a Payment Intent.

wet meadow
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Oh, yes

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you are right

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I meant, when we created the payment method

gaunt willow
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You need to use a Setup Intent or a Payment Intent when you collect the payment details. Are you taking a payment immediately, which the Customer is present, or are you only collecting their payment information for later use?

wet meadow
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We are collecting the payment method information for later use

gaunt willow
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Then you need to use a Setup Intent when you collect the payment details. The Setup Intent will create the mandate.

wet meadow
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Or else, we need to provide the mandate information when processing the first payment using that payment method, correct?

gaunt willow
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I don't know what you mean, can you explain in more detail how you would provide the mandate information?

wet meadow
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Does that make sense?

gaunt willow
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I don't believe that's going to work for ACH payments. That not how it works. ACH bank accounts need to be verified, either instantly through Financial Connections or manually via microdeposits.

wet meadow
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Mmmmm... let me test that

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give me a min

gaunt willow
keen falconBOT
wet meadow
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@foggy kite Hey

foggy kite
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Hello

wet meadow
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@gaunt willow thought that wouldn't be possible

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but it seems like it worked

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does that make sense?

foggy kite
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Can you share the example?

wet meadow
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req_JNNEby84t21ZYG

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Also req_nF13fz8Ig8ZCpG

foggy kite
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The payment method was created using financial connections, so it did get verified no?

wet meadow
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Initially I was getting this error: req_cGKn5wsdmxEDRz

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It was created using the Payment Element

foggy kite
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I'm not sure I fully understand what you're asking about. Let me lay out my understanding:

So you were asking if you can accept mandate when creating a PaymentMethod (without using an Intent)
#1245078501405757471 message

Rubeus suggested you either need to use SetupIntent or PaymentIntent
#1245078501405757471 message

Then you shared the mandate_data parameter here
#1245078501405757471 message

and Rubeus said, you need to verify the payment method before you can charge it
#1245078501405757471 message

The thing with mandate is that it needs to be accepted by the customer.

When you said, you're trying to use the payment method for future usage, I think we (Rubeus and I both) assumed you were talking about off-session charges (when the customer isn't around).

wet meadow
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Ok

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I think we are almost in the same page but there are some misunderstandings

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So you were asking if you can accept mandate when creating a PaymentMethod (without using an Intent)
Correct

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Then you shared the mandate_data parameter here
I did that just to make sure it was possible to accept the mandate using either a setup intent or a payment intent.

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From what I can see, it is possible.

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you need to verify the payment method before you can charge it
Yes. I can see that too

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The thing with mandate is that it needs to be accepted by the customer.
Yes. My intention is to allow the user to accept the mandate when entering the Bank Info.

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But since I am not using an intent with the Payment element, I was wondering if that was possible.

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I guess that is not possible. I will need to use a setup intent for that.

foggy kite
wet meadow
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Awesome

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I am sorry for any confussions

foggy kite
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but also, I think mandate would be generated automatically when you use a SetupIntent and confirm the SetupIntent

wet meadow
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It's late here and I am a bit tired

foggy kite
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all good, I'd recommend giving it another reading with fresh eyes 😄

wet meadow
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I think that is a wise advise

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QQ: If verified using micro deposits, is mandate still required?

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I mean, when creating the payment method without a setup intent

foggy kite
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Edit: rephrasing for clarity

Mandate is the authorization that's required for Stripe to be able to pull money from the account. Verification is only a step in obtaining the authorization from the customer.