#connor_api
turbid phoenixBOT
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- connor_amex-decline, 6 days ago, 12 messages
scenic grail
The ability to reverse 'ach' network cash balance transactions is a massive difference in behavior when compared to the guaranteed nature of 'domestic_wire_us' , and it would seem they are deserving of separate configurations. Manual reconciliation across the board seems like the only solution for now, but I would like to exhaust all other avenues before going that route. Disallowing 'ach' network/ACH Credit altogether would be suitable as well
neon moth
hello! I'm guessing the problem here is that you're receiving international wires?
scenic grail
Hey there! Good guess, but not in this specific case. A major value add of our product is that we can guarantee wire transfer transactions for quick payout, all automatically received through Stripe Virtual Bank Accounts, but that guarantee is violated if a customer either intentionally or accidentally sends payment by ACH Credit instead of domestic wire
It's the reversible nature of ACH Credit after 5 days that throws a wrench in things. So if that's an issue with international wires as well, then you are correct and I got ahead of myself
neon moth
gimme a while to try and understand
scenic grail
Sure thing, and happy to reframe or provide additional context!
Essentially:
What we like about the old, by-hand way of receiving wire transfers that we would like to continue with Stripe
Funds are guaranteed as soon as they are received
Funds are available to use as soon as they are received
What we love about Stripe
Lets us programmatically spin up dedicated Virtual Bank Accounts and expose them to customers without manual intervention
We can receive and associate wire transfers without manual intervention
Just about all of this process happens within systems we own, aside from wherever the customer sends funds from
Our issue
By using Stripe Customer Balance PaymentIntents to enable wire transfer, it exposes us to ach transfers that violate what we want to retain from the old, manual way of handling wires
If we can disallow or limit ach somehow and keep everything else, we're golden
neon moth
From what I understand, when you refer to the old, by-hand way of receiving wire transfers, you're referring to the legacy ACH credit transfers that uses Sources?
scenic grail
Oh no, haha, even more old-school. Like collecting completely by hand and out of band of a system.
neon moth
aaaaaah, i see
do you just want to totally disable the "customer_balance" payment method type then?
turbid phoenixBOT
scenic grail
No, that's how we leverage auto reconcilliation, right? Everything is working great as we have it today, we would like to disable ACH credit bank transfers and keep us domestic wire