#taylor-brooks-simple_api
wintry boughBOT
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delicate palm
Yeah generally you should not using Tokens at all, for credit cards or not. They're basically deprecated for most integrations
zealous spruce
Are you saying there is not a way to use tokens for ACH transactions with payment intents?
Also, I don't see anything in Stripe's documentation that indicates tokens as "deprecated".
delicate palm
Those are for payouts, not payments. If you want to accept ACH Debit payments this is the guide to follow for the new APIs: https://docs.stripe.com/payments/ach-direct-debit/accept-a-payment
zealous spruce
Is there a way to use a bank account token with a payment intents api?
The last time I was on discord (https://discord.com/channels/841573134531821608/1306323384489218150)
I learned about passing a token to the Payment Intents API. I don't think that is publicly documented.
We use Stripe V2 and we verify US bank accounts automatically. (We pay for that).
That way we don't have to use financial connections or microdeposits or whatever.
My account setup might be more unique than what you're used to seeing.
delicate palm
Why are you insistent on using Tokens? Do you have existing Tokens that you wish to use with payments? Not sure what 'Stripe V2' is?
In any case, this might be helpful in the scenario where you have existing Bank Account data: https://docs.stripe.com/payments/ach-direct-debit/migrating-from-charges
zealous spruce
I'm insistent on using Tokens because I'm trying to minimize my risk exposure.
So it sounds like I need to create a PaymentMethod first, then pass the "pm_" id to the create the PaymentIntent, is that correct?
delicate palm
I'm insistent on using Tokens because I'm trying to minimize my risk exposure.
Not sure what you mean by 'risk exposure'?
zealous spruce
The way we are currently using Stripe for card and ACH has been that way for over 10 years, there are about 160k transactions per month that go through the current tokens / charges api flow.
In changing that code path, there is a risk of breakage. The less I change, the less I risk. The more I change, the more I risk. Capiche?
delicate palm
Sure, no need to be condescending though 🙂
delicate palm
So it sounds like I need to create a PaymentMethod first, then pass the "pm_" id...
You'd create a Bank Account (ba_xxx) from your btok_xxx that you can pass to the payment_method param when creating your intents: https://docs.stripe.com/api/customer_bank_accounts/create