#daniel-nissenbaum_code
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charred cloud
I am finding guidance on eligibility for Payment Methods but am not finding guidance for the Sources API. If you reach out to our support team they should have a better idea of whether this can be enabled for your account https://support.stripe.com/questions/two-day-settlement-for-ach-direct-debit
vast willow
i think we are looking to enable the bank transfer method?
or rather to use it via the api?
like here is an example charge we curretnly do: py_3QKUOlJmq474uon81TFcW73F
charred cloud
This is a bit verbally confusing but you are using the Sources API, and colloquially bank transfer is a payment method, but we also have a newer API called the Payment Methods API which is separate and that is what the only support articles that I can find now speak to unfortunately.
vast willow
does the payments method api support linking a bank account via plaid?
(we unfortunately have to use plaid because another provider we depend on uses it too and its impractical to ask a user to link thier bank twice with two different systems)
charred cloud
There is a newer offering called Stripe that replaces Plaid for our flows that set up a Payment Method directly. The Payment Methods API is backwards compatible, so it may be possible to convert your sources to payment methods. I will look in to that.
charred cloud
Apologies not finding docs on this either and I can't test this on my account because of the upcoming deprecation of the sources API. One thing you can try is to create and confirm a SetupIntent while passing one of your bank account source's as the payment_method parameter when creating the intent. That can create a PaymentMethod version of the bank account for some source types but I forget if it works for ACH
Also as a heads up, the sources API for bank accounts is planned to be deprecated soon, so this won't work for long if it does work now. You can use it in the short term but it would likely be a good idea to talk to your team about what transitioning to PaymentMethods would look like.
charred cloud
I do not know about your specific situation but we have been trying to proactively communicate on this deprecation for a while. If you have another colleague that works on your Stripe integration, they may have been the one primarily talking to Stripe about this so it may be worth checking in with them. We definitely do get that this is a big change.
We have this doc on migrating, let me see what other materials we have.
https://docs.stripe.com/payments/payment-methods/transitioning
vast willow
im basically the only engineer at this point that works on this
what is a "local payment method"
charred cloud
That is our term for payment methods other than cards. So ACH is considered a local payment method
vast willow
so like how could i create a bank account from a plaid token?
const bankAccount = await this.stripe.customers.createSource(stripeCustomer.id, {
source: stripeBankAccountToken.stripe_bank_account_token,
})
charred cloud
Also it looks like there is a tool for automatically migrating sources, though I am not clear on whether it works for ACH sources. It is probably worth at least opening to see if it can help you there
https://support.stripe.com/questions/reusable-object-migration-from-sources-to-payment-intents
vast willow
like how can i replace that line of code
charred cloud
Checking in to that
vast willow
also im struggling to find this migration tool, i dont see it
are you able to tell me if this is on the new payment method: "ba_1QT9F9Jmq474uon8Ui1YBM4Z"
thats just one example of something linked today
charred cloud
I am not seeing a way to create PaymentMethods from Plaid tokens and I you used a create sources endpoint to create that ba_ object. I will discuss this with my colleagues and get back to you with what I can find.
vast willow
surely there has to be a way to support this case? We cant have all our users relink thier bank account -- it would be devestating for us
charred cloud
Alright I got clarification, these ba_ objects and your current flows are not being deprecated. Huge apologies for my confusion there, your flows use the same calls as the sources API that is being deprecated but cards and ACH v1 payments through the flows that you are using are not being deprecated.
vast willow
phewwww, you had me having a heart attack haha
is there a way to confim 100% that we are not using any depracted APIs?
charred cloud
Yep, very sorry. And yes, my colleagues confirmed that you aren't using them. I was definitely mistaken.