omkar_api | Stripe Developers | Page 1

bitter mangoBOT Mar 12, 2025, 8:22 PM

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solid aspen Mar 12, 2025, 8:23 PM

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Hi @polar spear how are you doing today?

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We have an urgent dev question since our fund flows are live

polar spear Mar 12, 2025, 8:28 PM

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Hello there

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ACH doesn't involve instant settlement... there is always a delay. We explain this in our docs here: https://docs.stripe.com/payments/ach-direct-debit

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Looks like you are using our legacy flow here as well, so really these are the relevant docs: https://docs.stripe.com/ach-deprecated

solid aspen Mar 12, 2025, 8:32 PM

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Are you referring to the charges API when you say deprecated ?

polar spear Mar 12, 2025, 8:33 PM

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Yes

solid aspen Mar 12, 2025, 8:33 PM

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Gotcha

polar spear Mar 12, 2025, 8:33 PM

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Charges + Bank Accounts is the legacy flow

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PaymentIntents + PaymentMethods (the initial docs I provided) are the current and recommended flow here.

solid aspen Mar 12, 2025, 8:33 PM

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I have a question today ACH direct debit fails due to NSF or other reasons

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Are we charged ?

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Stripe support agent said no on a call but online it said it’s $4 for failed payments

polar spear Mar 12, 2025, 8:34 PM

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I believe it depends on the failure type, but really I'm not 100% sure on that as we don't know much about fees/pricing as we just focus on the API.

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You would have to double check with our Support team on that.

solid aspen Mar 12, 2025, 8:36 PM

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I see, we are thinking of moving away from ACH direct debits

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And to move to Apple Pay and Google pay

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That confirmation of funds should be instant right?

polar spear Mar 12, 2025, 8:37 PM

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Yes those are Card payments so it is synchronous.

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Funds still have a delay until they are available

solid aspen Mar 12, 2025, 8:38 PM

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How long is the delay usually?

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And do we have to subscribe to webhooks to confirm funds availability for a payment ?

polar spear Mar 12, 2025, 8:40 PM

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https://docs.stripe.com/payouts#payout-speed talks about fund availability

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It is recommended to use Webhooks, yes, as your customer could drop off of the client after initiating the confirmation.

#omkar_api