anamxr_best-practices | Stripe Developers | Page 1

vocal heraldBOT Jun 12, 2024, 2:39 PM

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narrow birch Jun 12, 2024, 2:40 PM

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to help clarify ***ACH payments in USD

jaunty frost Jun 12, 2024, 2:49 PM

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Hello 👋 apologies for the delay. It looks like the requirements for ACH are that the Stripe account has to be from the US or UK and that the payment has to be in USD https://docs.stripe.com/payments/ach-debit

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So I don't think that user would be able to take ACH payments directly on their account unfortunately.

narrow birch Jun 12, 2024, 2:51 PM

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Thanks @jaunty frost I was reading the same article.. So when it says: Stripe accounts in the following countries can accept debit payments with local currency settlement.

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Is that refering to where the bank account is located or the Stripe account?

jaunty frost Jun 12, 2024, 2:52 PM

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The Stripe account

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If your platform account is US or UK, you can create payments on your account and transfer funds to them, though that can make things like dealing with refunds difficult for them because you would have to initiate them.

narrow birch Jun 12, 2024, 2:55 PM

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Hmmm thanks for clarify, so our main platform is in the US, but our customer / user connect account is in Canada does this change anything?

jaunty frost Jun 12, 2024, 2:57 PM

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The thing that matters is the country of the Stripe account that the PaymentIntent that you are creating lives on. So unfortunately payments created on that account will not be able to accept ACH as a payment method.

narrow birch Jun 12, 2024, 2:58 PM

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Gotcha, that clarifies it. Thanks again.

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I have 1 last question in a similar vein, would a Canadian users be able to send a pre-authorized debit PADS / ACSS to a US user and collect in USD?

jaunty frost Jun 12, 2024, 3:09 PM

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Yes, we support PADS on USD accounts and for USD payments. https://docs.stripe.com/payments/acss-debit

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Not quite sure why we are currently able to support that one way but not the other, but that does look like that is the current state of our offerings for PADS and ACH.

narrow birch Jun 12, 2024, 3:10 PM

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Interesting thanks for sharing! Would this work in a cross-border setting?

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CAD Connect User collects a USD payment from a US based client?

jaunty frost Jun 12, 2024, 3:15 PM

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Yep, we support pads for both countries, so you could create the payment on either account and it would work.

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Basically if you are a platform with connected account acct_1234 you can use any PaymentMethods supported for your country if you either

Create a payment intent on acct_1234
Specify on_behalf_of: acct_1234 (though flows with this typically work better for Express or Custom connect)
And you can use any payment methods that we support for your platform's country if youc reate the intent on your platform account and do not specify on_behalf_of.

narrow birch Jun 12, 2024, 3:19 PM

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Gotcha, Very helpful!.

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Last just to clarify that Im readying and communicating this correctly from the documention:

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Stripe users in Canada and the United States can accept pre-authorized debit payments (PADs) from customers with a Canadian bank account using the Automated Clearing Settlement System (ACSS) provided by Payments Canada.

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(Just before we have our devs build in PADS) Our use case would be collecting a payment from a customer with a US bank account

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is that still cross compatible?

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https://docs.stripe.com/payments/acss-debit#presentment-currency:~:text=Stripe users in Canada and the United States can accept pre-authorized debit payments (PADs) from customers with a Canadian bank account using the Automated Clearing Settlement System (ACSS) provided by Payments Canada.

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Sorry if this is confusing or Im not communicating my point correctly

jaunty frost Jun 12, 2024, 3:25 PM

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Yes, in our docs when we say "Stripe user" or "Stripe account" we are talking about one of the acct_ accounts that is either your platform or your connected account. When we say "customer" we mean the person who is putting in their payment method info to make a payment. So in those we are saying US or CA Stripe accounts can take payments from people via a Canadian bank account through PADs.

narrow birch Jun 12, 2024, 3:30 PM

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Thank you for clarifying on the difference of accounts. My last question, given that statement, if the "customer" is in the US with a US bank account, then PADS would not work, since PADS payments needs to be taken from a Canadian customer?

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Does that make sense?

jaunty frost Jun 12, 2024, 3:31 PM

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Correct

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And yes I think I'm clear on the question now

narrow birch Jun 12, 2024, 3:33 PM

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Ok, so if I understand correctly the only crossboarder solution inside of Stripe for CAD to USD is Credit Card

jaunty frost Jun 12, 2024, 3:38 PM

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Oh sorry I mixed that up. For pads the customer location does not matter at all. All that matters is that the person paying has a CAD bank account and that the Stripe account that they are paying to is either US or CA.

narrow birch Jun 12, 2024, 3:44 PM

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ahhh ok thank you for clarifying, our issue is that the customers only hvae a USD bank account

jaunty frost Jun 12, 2024, 3:45 PM

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Gotcha, so you are correct that we do not have a way to charge that bank account via PADs. You would need to use a card

#anamxr_best-practices