#lozz_docs
slim roseBOT
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minor geyser
Hi, let me help you with this.
abstract mesa
I wasn't able to complete the flow in the message due to character limitations. Could I complete the flow here?
minor geyser
What flow do you mean?
minor geyser
Yes, you should be able to do it without involving frontend, but we recommend using Financial Connections instead of microdeposits, and that is only available with Stripe.js.
Any particular reason you don't want to involve Stripe.js?
abstract mesa
Typically speaking we use our own capture page/iframe. I am not sure of the exact reasoning. I will find out and update you on this.
But we usually just integrate directly against the API.
minor geyser
Using Stripe Web Elements is also more secure since bank details never touch your server. Unless you have any strong reason not to, I would recommend you to include Stripe.js into your integration.
It makes it easier to also integrate any other payment method types in the future.
abstract mesa
I believe this is for MOTO transactions, and using JS could interfere on how we capture card data.
Well we ourselves are a PCI Compliant company and we sell PCI solutions to customers.
That is one of the main reason why we don't tend to use plugins
minor geyser
Alright. I guess the best way forward is to try integrating this. Let me know if you run into any issues.
abstract mesa
Could you confirm the call flow
I will listen out what I am sending
1st call
Endpoint: https://api.stripe.com/v1/payment_intents
Request:
amount:1254
currency:usd
payment_method_types[]:us_bank_account
payment_method_data[us_bank_account][account_number]:000123456789
payment_method_data[us_bank_account][routing_number]:110000000
payment_method_data[type]:us_bank_account
payment_method_data[billing_details][name]:Bob
payment_method_data[us_bank_account][account_holder_type]:individual
confirm:true
mandate_data[customer_acceptance][type]:offline
mandate_data[customer_acceptance][online]:
payment_method_data[billing_details][email]:louryan.christian@sycurio.com
customer:cus_Q1hYBrLhIQ61cj
2nd call
endpoint: /v1/payment_intents/pi_3PbJKJBCctj4OkSz0rHQUz1M/verify_microdeposits
Request:
descriptor_code:SM11AA
Since ACH could take between 2-4 days. The final call can vary to check whether the payment has been confirmed.
- You can either call a RetrievePaymentIntent
- Check the backend portal
- Customer email
Is this correct?
minor geyser
Yes. When the microdeposit amounts are sent to the customer, they provide it to you, and you attempt to make the second call.
abstract mesa
If we just wanted to capture the account number and routing number only... would the customer be able to confirm the payment through their backend?
minor geyser
You mean to make the 2nd call themselves?
abstract mesa
Correct as and when they need to?
Because the 2nd call is only viable if Confirm is set to true
Else the status would be 'requres_confirmation'
minor geyser
No, since it needs to use your Stripe secret key, and you must not share it with anyone.
abstract mesa
We have a platform account where customers onboard onto our platform account
They should be able to use their own credentials
minor geyser
You mean you create Connected accounts for them?
So, is the 1st call made on the Connected account?
minor geyser
Please, let's refer to them as Connected accounts, since "Customer" is the end-buyer, to avoid confusion.
abstract mesa
Sure
minor geyser
All calls will be made under the customers credentials
Ok, if you make a call with Stripe-Account header on the Connected account, they will be able to send a request to verify it themselves.
Just one note, is this about adding an external bank account for payouts?
abstract mesa
Well I am not sure what the requirements are since I was given limited information.
So I am just trying to cover all possibilities.
If the connected accounts would like us to complete the full flow then we can do that. We'd just need to think about how we'd let their customers know once their transactions are successful as it could take between 2-4 days.
But if the connect accounts just want the account number and routing number captured then I'd need to be sure that they can continue after without the need for us.
minor geyser
Well I am not sure what the requirements are since I was given limited informati...
It's important, I would suggest finding out why do you need to collect this bank account exactly. If it's for payouts, the Connected account can add it during the onboarding.
abstract mesa
Sure
Is the process the same for BACS? I tried to test BACS, but my account is not configured to send mandate_data for BACS.
I've emailed the support team to configure this.
Or is the payment usually taken straight away with BACS?
minor geyser
It doesn't seem like BACS have the same verification mechanism: https://docs.stripe.com/payments/bacs-debit/accept-a-payment?payment-ui=elements
So it's probably instantly verified.
minor geyser
Happy to help.
abstract mesa
That's all for now
slim roseBOT