#iconate_best-practices
frank pastureBOT
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cyan tulip
Good question, looking in to this and will get back to you
wheat crow
thanks!
cyan tulip
Unfortunately from this doc it looks like setting up external accounts via financial connections is still only supported for US accounts, though I think that doc shows what that flow will look like well. You can basically confirm a SetupIntent like normal, create a Token from the PaymentMethod that that creates, and then use that Token to create an external account on your connected account.
https://docs.stripe.com/connect/payouts-bank-accounts?bank-account-collection-method=financial-connections&bank-account-collection-integration=direct-api&platform=web#managing-multiple-bank-and-debit-accounts
For now for CA accounts, I think you will want to collect the account and routing numbers directly and then pass them to our API for creating an external account https://docs.stripe.com/connect/payouts-bank-accounts?bank-account-collection-method=manual-entry&bank-account-collection-integration=direct-api&platform=web#managing-multiple-bank-and-debit-accounts
wheat crow
Yeah Im working with a US client for this. They want to be hydrating the balance of the FA from the Connect Account Balance specifically, using the method I linked. I have a feeling the sensitive info may only be available in the create FA request response, as id imagine stripe wouldnt provide that sensitive info in all other GET requests
cyan tulip
Gotcha, in that case the SetupIntent -> PM -> Token -> External Account method should be able to work for you.
We are typically pretty consistent with the data that we show. I would actually think that we would show that info in subsequent GET requests as well if that info is rendered in earlier requests. I'd recommend testing this in test mode to double check if you want to try using that method instead of the tokenized one
wheat crow
Ok, I setup all the capabilities and features on the connect account now, but the account_number is never returned, just the last 4, despite what those docs say
Help me better understand this setup intent flow, because what im getting lost on is
- The FA is a Stripe Hosted financial account, so the user has never input any sort of routing/account number, just directly created under the CA
- How is the user supposed to go through Financial Connections when this is not an external account
cyan tulip
- Correct, financial connections works via bank login. So they never directly input those numbers
- Can you expand on this question? I am not quite sure I understand
frank pastureBOT
wheat crow
So the above is the Create Financial Account response. This was done directly via the api, heres an example of that payload
const financialAccount = await stripe.treasury.financialAccounts.create({
supported_currencies: ['usd'],
expand:['financial_addresses.aba.account_number'],
features: {
financial_addresses: {
aba: {
requested: true
}
},
inbound_transfers:{
ach:{
requested: true,
same_day: {
requested: true,
}
}
},
intra_stripe_flows: {
requested: true,
},
outbound_payments: {
ach:{
requested: true,
same_day: {
requested: true,
}
},
us_domestic_wire: {
requested: true
}
},
}
I need to now take this FA and attach it to the CA External Accounts, in order to payout to
So any concept of using Financial Conennections here doesnt make sense to me, because
- This account was programmatically created, no account numbers have ever been input
- There is no "Bank" for this account to login to because its hosted by Stripe
cyan tulip
After financial connections finishes, you will have a PaymentMethod, you can make the create Token call on your connected account to create a Token that represents that bank account
and then you can use that Token to add to that CA's list of external accounts
wheat crow
Ok- but the Financial Account above is not an external account. There is no external account involved here yet
collectBankAccountForSetup is called, but there is no bank account / external account / brick and mortor bank because the Financial Account created above is hosted by stripe
So even at this step, it doenst make sense, because the FA created programmatically doesnt have a banking instituion
cyan tulip
We are talking past each other somewhere but I am having trouble figuring out where
wheat crow
Might be terminology
Financial Connections == wrapping an external account (ie Chase Bank) to be allowed to be interfaced with, through other Financial Accounts
Financial Accounts == programmactically created and hosted in Stripe for the PURPOSE of interfacing with other Financial Accounts OR Financial Connections
is my understanding
cyan tulip
Right, and are you saying that taking that account and creating an external account with it is not your goal? My understanding is that you are trying to use Financial Connections to create that external account, so you need to go through the process of converting the result of that collectBankAccountForSetup call in to an external account
wheat crow
Just to ensure im aligning on terms- no i am not trying to use a Financial Connection to create an external account. I am trying to use a Financial Account to create an external account(https://docs.stripe.com/api/treasury/financial_accounts/create)
As these are different entities
This is exactly what I am trying to achieve
https://docs.stripe.com/treasury/moving-money/payouts#financial-accounts-as-external-accounts
The problem right now is getting the account number because its never returned in the Financial Account Create API
cyan tulip
Ah okay I am sorry, I see my mixup. Thank you for your patience in clarifying
I think this doc section is saying that you can retrieve the full account number via expansion. Can you try this and see if it works for you? https://docs.stripe.com/treasury/account-management/financial-accounts#retrieve-a-financialaccount-and-account-number
Still looking in to if there is a better way, I am less familiar with Treasury and will consult my colleagues if I don't find a solid answer
wheat crow
Perfect I think that did it
It didnt appear to come back in the create API with the same expand so in the retrieve/list it works nonetheless
And thanks for your patience as well, I reallize Treasury is new and complex
cyan tulip
Glad that worked! It does look like directly providing the account number is the best way to create an external account here, so I do think this retrieve/list method is the best way forward at the moment. I am honestly not sure if this behaving differently on create is intended behavior, it may make sense to write in about that to our support team especially if it would be be more convenient for your integration to have that number at creation time.