#deckberg_best-practices
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pale shell
Hello
Yes Bank Transfers do not have a dispute process
Bank-based redirects would be the other non-dispute payment method type
But those are mostly EUR-based
feral roost
ok, yes we are in the US
I'm guessing there is nothing we can do about this ACH transaction?
I thought that once the transaction clears the network then the funds would stay, but apparently not.
pale shell
Correct: https://docs.stripe.com/payments/ach-debit#disputed-payments -- you can't appeal an ACH dispute
And yeah a dispute can occur up to 60 days after the charge as the docs explain
feral roost
so when looking at the funding instructions api https://docs.stripe.com/payments/customer-balance/funding-instructions
it lists bank transfer hash, ABA hash, and SWIFT hash. which one should I use?
pale shell
That depends on your customers and what information you are looking for
Generally you would provide the ABA information to domestic customers so they can send a bank transfer
The SWIFT information is generally for international customers
feral roost
ok, but the ABA will still be a bank wire that cannot be reversed?
pale shell
Yes both are bank transfers. I'm not an expert in disputes -- we just focus on the API here. I'd double check with our Support team that a Bank Transfer can't be reversed if you want the 100% answer. Afaik that is the case but that isn't my area of expertise
You can contact our support team via https://support.stripe.com/contact/login
feral roost
that just seems crazy, that a payment method that was verified with micro deposits and then the bank just honors a dispute request without allowing anything from the merchant. thank you for the bank transfer help. I think we will implement that as a payment option. at least we can have it ready if we aren't sure about a customer.