casey_ach-microdeposits

[astral inlet]

👋 Welcome to your new thread!

⏲️ We'll be here soon! Typically we respond in a few minutes, but sometimes we might take a bit longer if the server is busy or if you have a particularly tricky question.

⏱️ We close idle threads, which makes them read-only. Once a thread is closed it won't be reopened, but you can always start a new thread if you have another question.

🔗 This thread will always be available, even after it's closed. You can find it again using Discord's search, or you can save this link: https://discord.com/channels/841573134531821608/1280561294616821800

📝 Have more to share? Add more details, code, screenshots, videos, etc. below.

[vital robin]

We are using the embedded Stripe Payment Element with Financial Connections
The FinancialConnections product is explicitly to support "logging into your bank account" to automatically and instantly verify it.

however we are wanting to only verify bank accounts using microdeposits and not with a username and password.
this means you do not want to use FinancialConnections at all in that case. You instead want the end customer to enter their bank account details by hand and a couple days later verify the bank account ownership by entering the micro-deposits values

Would this result in the Financial Connections embedded window not showing the username and password fields?
FinancialConnections wouldn't appear in that case yes.
Or would we need to use the API to verify bank accounts using the "skip" parameter?
no you don't need that either.
You need to pass https://docs.stripe.com/api/payment_intents/create#create_payment_intent-payment_method_options-us_bank_account-verification_method with the value specifically microdeposits

casey_ach-microdeposits

[plush elk]

So there is no way to modify the Financial Connections embedded experience to not ask for username/password?

[vital robin]

no it wouldn't make any sense to do this. FinancialConnections works by having the owner of the bank account connect to their bank and let Stripe (and your business) connect to verify the bank account, get transaction details, etc.

[plush elk]

We have a bit of a complicated use case, but we cannot have the username and password shown, we are just wanting users to be able to add bank details to make payments (we have no need to verify the bank account ownership). It sounds like we will need to build out our own form fields and pass the info to Stripe via the API, we were just hoping we could leverage the embedded experience to do that work for us

thanks for the help

[vital robin]

you don't need to build your own UI at all. We support this already. Use what I said above and try it in Test mode.

[plush elk]

But we cannot show a username/password field to our users

But I will try using "microdeposits" like you've suggested to see if the embedded experience will suit our needs. It appears "microdeposits" isn't a supported field?

[vital robin]

ah wait I think you're right microdeposits only doesn't work. I forgot about that I'm sorry I thought we fixed it. Ugh

So yeah turns out you'll have to do your own UI 😦

[plush elk]

ok, thanks for taking the time to check for us