#max-addington_docs
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- max-addington_docs, 14 hours ago, 12 messages
worthy cliff
Their docs aren't necessarily wrong as it is technically still possible to use the flow.. However, we've introduced newer/better integration for ACH Debits as my colleague mentioned yesterday..
For example, newer flow can use financial connections with which you can verify and attach bank accounts instantly. See: https://docs.stripe.com/financial-connections
austere topaz
I see, and I'm familiar with financial connections from my research. It seems like a great product, I just need to make the case to leadership, since we have historically used Plaid for auth.
Follow-up question, in the Plaid/Stripe integration for accounts that require micro deposits, who deposits into the bank accounts, plaid or stripe?
And is it possible to fetch a bank_account_token before the account is verified?
worthy cliff
The flow was built and deprecated before my time at Stripe but it shouldn't matter who deposits into the bank, right? But afaik, Stripe sends these small deposits: https://docs.stripe.com/ach-deprecated#using-plaid:~:text=Stripe automatically sends two small deposits for this purpose
And is it possible to fetch a bank_account_token before the account is verified?
You meanba_xxxxobject?
austere topaz
it shouldn't matter who deposits into the bank, right?
The reason I ask is because the answer will determine whether we listen to Stripe or Plaid webhooks for verification
You mean ba_xxxx object?
No, I'm referring to thebtok_xxxxthat Plaid returns from the Stripe integration. https://docs.stripe.com/api/tokens/create_bank_account
It's returned from this Plaid endpoint: https://plaid.com/docs/api/processors/#processorstripebank_account_tokencreate
For the record, I'm definitely going to try to persuade leadership to go with the Financial Connections approach. I just need to be able to show them that I've done my research 🙂
worthy cliff
As per the docs I shared above, Stripe deposits the small amounts.
As far as I know btok_xxx is returned for instant verification flow as well as microdeposit verification. So you should receive the token regardless of verification status..
The quickest way to know would be to run a quick test and see what's expected..
austere topaz
The doc you shared above "ACH Direct Debit with Charges" isn't part of the Payment Intents API though, right? I'm trying to figure out if / how Plaid works with the Payment Intents API, like they claim to be able to do
worthy cliff
Correct. I doubt there's a complete guide on this flow with PaymentIntents API.
austere topaz
Got it, that's helpful to know. Thank you!