frallain_api

[pure wing]

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[calm thistle]

hi! in general it would work if you build the test mode integration and enter the bank details that way in your browser (https://docs.stripe.com/payments/ach-direct-debit/accept-a-payment?web-or-mobile=web&payments-ui-type=direct-api), since that's how it would work in livemode. Not sure if there's an easier way for backend-only tests, let me think about it..

[ebon bobcat]

Hi there 👋 I'm jumping in as my teammate needs to step away soon. Is the flow you're showing in your initial message (creating a Payment Method object directly and then attaching it to a Customer) how you plan to have your live flow work as well? Or is that just being done for testing purposes?

If the former, I'd be hesitant to recommend that approach and would typically suggest using a Setup Intent flow instead:
https://docs.stripe.com/payments/save-and-reuse

If it's just for testing, then you likely just need to add a microdeposit verification request in between those two requests. I'm having a bit of trouble finding that quickly and need to dig for that a bit more.

[clever ingot]

OK, with

        setup_intent = stripe.SetupIntent.create(
            payment_method_types=["us_bank_account"],
            customer=stripe_customer["id"],
            payment_method=pm["id"]
        )
        stripe.SetupIntent.confirm(
          setup_intent["id"],
          payment_method=pm["id"],
          mandate_data={"customer_acceptance": {"type": "offline"}},
        )

I can see the ACH directy debit pm at https://dashboard.stripe.com/test/customers/cus_RFkspQFlw7NorT but it is pending -> is there a way to have directly as active?

[ebon bobcat]

Perfect, then you can use this endpoint to handle the microdeposit verification:
https://docs.stripe.com/api/setup_intents/verify_microdeposits

[clever ingot]

It works! Nice !! the whole flow :

        stripe_customer = stripe.Customer.create(
            email="[e-mail]", coupon=customer_coupon_id, metadata=metadata, **additional_kwargs
        )
        pm = stripe.PaymentMethod.create(
            type=StripePaymentMethodType.ACH_DIRECT_DEBIT,
            billing_details={"name": "John Doe"},
            us_bank_account={
                "account_holder_type": "individual",
                "account_number": "000123456789",  # successful payments
                "routing_number": "110000000",
              },
        )
        setup_intent = stripe.SetupIntent.create(
            payment_method_types=["us_bank_account"],
            customer=stripe_customer["id"],
            payment_method=pm["id"]
        )
        stripe.SetupIntent.confirm(
          setup_intent["id"],
          payment_method=pm["id"],
          mandate_data={"customer_acceptance": {"type": "offline"}},
        )
        stripe.SetupIntent.verify_microdeposits(
          setup_intent["id"],
          amounts=[32, 45],
        )

thank you very much!