deepak_code

[sturdy field]

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[frigid ivy]

Hi, do you implement using Stripe Elements or via a 3rd party plugin? I am not familar with the stripeProcessPayment() method.

[tiny yarrow]

Thanks for your reply.
I used the Composer PHP Library only

• composer require stripe/stripe-php
  & not any third party plugin. This is my method name in controller stripeProcessPayment(). for processing the payment.

[frigid ivy]

Okie, and which Doc are you following?

[tiny yarrow]

Stripe ACH API Documentation - https://docs.stripe.com/payments/ach-debit/accept-a-payment?web-or-mobile=web&payments-ui-type=direct-api
Custom Payment form where I am going to provide Credit Card & ACH (Bank Account) option.
Via Credit Card - I am able to make the payment (PaymentIntent with return Url).
For ACH - I will need the "Instant" verification. Also get the payment

[frigid ivy]

Thanks. The flow does require the micro deposit verification AFAIK

[tiny yarrow]

Okay but using "Instant" verification (for Test account) can we not make the payment successful?
How the ACH actually works or can you let me know the Process flow (consider my implementation - form, controller etc)

[frigid ivy]

I mean if the customer opt out of instant verify, you will still need to eventually implement the microdeposit verification

And you can follow the steps on the Doc for the flow 🙂 We can help if you could clarify which step/code the error come from? And the errored request id req_xxx

[tiny yarrow]

As a Start I wanted to go ahead & make the payment successful with the "Instant" verification. This is current error I am getting

Payment failed: Error processing ACH payment: PaymentMethods of type us_bank_account must be verified before they can be attached to a customer.

[frigid ivy]

Which step is this, and could you find the errored request id on your Dashboard? https://dashboard.stripe.com/test/logs

[tiny yarrow]

Yes this error logged under Logs -
invalid_request_error
PaymentMethods of type us_bank_account must be verified before they can be attached to a customer.

POST /v1/payment_methods/pm_xxxxxxxx/attach
Response body
{
"error": {
"message": "PaymentMethods of type us_bank_account must be verified before they can be attached to a customer.",
"request_log_url": "https://dashboard.stripe.com/test/logs/req_xxxxxxxxx",
"type": "invalid_request_error"
}
}

[charred crescent]

Hi! I'm taking over from my colleague. Please, give me a moment to catch up.

[charred crescent]

Could you please share the Request ID req_xxx? https://support.stripe.com/questions/finding-the-id-for-an-api-request

[tiny yarrow]

req_ZuZGp7g7FxXybo

[charred crescent]

Why are you attaching the PaymentMethod directly? What flow are you trying to achieve?

[tiny yarrow]

Might be I am confused or wrongly implementing the ACH method. Could you please guide me?
Here I want to achieve or my understanding: (please correct me if I am wrong)

1. Payment From - Card or ACH options.
2. Card - credit card details option. (I am able to successfully implemented the payment via card.)
3. ACH - provide Bank account details to enter
4. Verify Bank Account Details -- client side
5. Submit the payment form & redirect to success/result page - with show status message "Verification Required" or "Payment Pending verification."  etc

This is my Initial requirement. For This How I proceed & implement in my Laravel 8+ using Stripe JS V3.
Next Process for - Verify the Micro Deposits by User to Verify Bank Account.

[charred crescent]

You should be able to support this with the Payment Element - one integration for all payment method types. You can then choose in your Stripe Dashboard what payment method types you want to display: https://docs.stripe.com/payments/accept-a-payment?platform=web&ui=elements

In your case that would be card and us_bank_account.

Have you looked into this option, and if yes, why it is not working for you?

[tiny yarrow]

Might be I am trying to make the payment successful using "Instant" verification & may be because of it I am getting confused.

[charred crescent]

Do you have a requirement to perform micro-deposits verification?

[tiny yarrow]

Might be required both Instant or Micro-deposits. Need to implement both

[charred crescent]

Payment Element will automatically fall back to micro-deposits verification if the bank account doesn't support instant. You will just need to perform an extra step to verify the user provided numbers: https://docs.stripe.com/payments/ach-debit/accept-a-payment?web-or-mobile=web&payments-ui-type=direct-api#web-verify-with-microdeposits

[nimble walrus]

👋 taking over for my colleague. Let me know if there's any follow-up Qs I can answer!

[tiny yarrow]

Just wanted to confirm the flow/implementation & correct me if I am wrong:
Step 1: Payment Form with Card & ACH options
Steps 2: If ACH - enter details & Verify it at client Side.
Step 3: On submit redirect or Show/result page with status message "Verification Required" or "Payment Pending Verification."  etc
User Receives Microdeposits -
Step 5: On Same Payment form, Provide way to verify the account (to enter micro deposits)
Step 4: Entered deposits - send to Stripe & confirm. (Stripe verifies the micro deposit amounts against the actual deposits sent to User 1's bank account.)

[nimble walrus]

actually if you use the PaymentElement you don't really need to worry at all about the steps

you can use the test account numbers found here https://docs.stripe.com/payments/ach-debit/accept-a-payment?web-or-mobile=web&payments-ui-type=direct-api#test-integration to trigger both instant and micro-deposit verifications in multiple scenarios

[tiny yarrow]

For this need to use any additional library?

Also what is this mean? - https://docs.stripe.com/payments/accept-a-payment-deferred?type=payment

[nimble walrus]

no

[nimble walrus]

with the deferred flow you can start by collecting the PaymentMethod and then you can create the PaymentIntent and confirm it

[tiny yarrow]

For my case, how I proceed with means which is better way for me to implement?

[rancid rune]

they both work, it depends on your own requirements and use cases.

[tiny yarrow]

My requirement as I mentioned above like
Step 1: Payment Form with Card & ACH options
Steps 2: If ACH - enter details & Verify it at client Side.
Step 3: On submit redirect or Show/result page with status message "Verification Required" or "Payment Pending Verification." etc
User Receives Microdeposits -
Step 5: On Same Payment form, Provide way to verify the account (to enter micro deposits)
Step 4: Entered deposits - send to Stripe & confirm. (Stripe verifies the micro deposit amounts against the actual deposits sent to User 1's bank account.)

[rancid rune]

doesn't make sense because
a) usually microdeposits are not required and the verification is instant and done by the user logging into their bank on the page.
b) microdeposits take a few days to appear in the users' bank account, so it's not the "same payment form".

Either way any of our documented flows all fully support all of this.