#david2_docs

1 messages ¡ Page 1 of 1 (latest)

tame havenBOT
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deep silo
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Hello, I am not seeing the phrase "immediate verification charge" in the docs that you linked to. Can you tell me more about what exactly you are trying to see via the API and what you are trying to do overall?

flat mountain
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sorry, the exact phrasing appears to be "Instant bank account verifications"

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I am trying to understand where I can observe being charged $1.50 per "instant bank account verification"

deep silo
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Ah gotcha, I am not immediately sure if it is possible to see the fee that Stripe charges you there in the API. Looking in to it and will get back to you

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If you have any test payments that you have done in test mode can you check their balance transactions to see if the $1.50 is included there?

flat mountain
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pi_3QKmaNAQbHn4ElzT1MrDLWe4 has the .8% ACH fee. I don't see an associated "instant bank account verification charge" there though

deep silo
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Ah so when I list my balance transactions in general I see a fee named "Automatic Bank Account Validation (2024-10-01 - 2024-10-31)" for -150

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But it isn't attached to a specific charge or payment intent the way a Stripe fee is as far as I can tell.

flat mountain
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ah, what is the type of that txn?

deep silo
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stripe_fee

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I see another for -450 for this month. It looks like we may bucket these at least somewhat, so I will keep looking but it doesn't seem like there will be a way to link these to specific transactions

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Is that what you are trying to do here? Or is just seeing the overall fee enough?

flat mountain
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Cool, I see some on my end with a description of Connections Verification. Looks promising. I am trying to develop an understanding of "what is where, when did it get there, and why" when doing ACH stuff.

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I also have a related question, but can open another thread if necessary:
Is there a mechanism to prevent the following 2 "instant bank account verification" scenarios:
1)

  • user at checkout, adds bank account using instant verification (incurring a $1.50 verification fee), producing a payment_method
  • detach payment method
  • re-add bank account using instant verification (incurring another $1.50 verification fee)
    • (does this reuse the "existing" financial connection account, because it is the same (bank, stripe_customer)?)
  • ...repeat until verification fees are gigantic...
  • user adds a huge number of distinct bank accounts that they don't end up using to pay, each incurring a $1.50 verification fee
deep silo
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Unfortunately I don't know the answer to #1, we mostly know about the API on this server. For fee questions you can talk to our support team, they likely won't know this immediately but should be able to get you an answer.
For #2, we limit customers to having 400 payment methods, but don't enforce a limit other than that as far as I am aware. If you are implementing the page for setting these up, you would need to enforce your own rules here by checking how many ACH PMs the user has and maybe pausing their ability to add them if they add to many ACH PMs without actually paying you. I get that that isn't the ideal answer, but that is where our current capabilities are around this as far as I am aware.