#beadle_code
crisp stratusBOT
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strange bane
Hi there,
when you talk about async, can you clarify what exactly you mean?
fallen drift
Sure. We send customers to a checkout session to buy products. Sometimes the payment is not completed immediately. We get a checkout.session.completed webhook but the payment_status = "unpaid". Then some days later we get a checkout.session.async_payment_method_succeeded webhook with payment_status = "paid"
I thought by passing in verification_method: instance to the checkout session that we were not allowing async bank accounts to be used
verification_method: instant*
crisp stratusBOT
eternal geyser
Hello
Instant verification does not imply faster settlement with ACH Debit.
fallen drift
I didn't think that it did.
eternal geyser
It could take upto 4 days regardless
fallen drift
What does instance_verification do?
eternal geyser
Instant Bank Payments with Link offer faster settlement - https://docs.stripe.com/payments/link/instant-bank-payments
fallen drift
instant*
eternal geyser
What does instance_verification do?
Verifies that the account is valid and belongs to the customer using Financial Connections flow
fallen drift
As opposed to micro depoits?
eternal geyser
Microdeposit flow credits a few cents to customer's bank account.
The customer would then need to provide the amount to Stripe as a mode of verification
However, that credit could take upto a few days
Before Stripe can submit a request to debit a bank account, it needs to be verified and validated. That's where verification_method becomes relevant
fallen drift
Ok, a few questions to clarify:
- You said ACH Debit earlier. Is that the same payment method as us_bank_account?
- If a customer has already has a verified us_bank_account payment_method associated with their Stripe account, does it still take multiple days to process? Aka, are all us_bank_account payments asynchronous?
eternal geyser
- Yes
- Yes
fallen drift
If a customer already has*
Got it.
Last question. Is there any way to simulate the delay from checkout session complete and the async payment method finalizing?
In a test environment that is
Maybe use the test bank account that stays in processing indefinitely?
000000000009 pm_usBankAccount_processing?
eternal geyser
Hmm I don't think we have a test payment method that completes successful payment after a delay - https://docs.stripe.com/payments/ach-direct-debit#test-account-numbers
That one will stay in processing forever. The payment won't complete
Is there anything specific you're trying to test?
Maybe you could use Stripe CLI to trigger checkout.session.async_payment_* events
fallen drift
Cool. I will give that a try.
I think I have a good path forward now. Thank you for your help!
eternal geyser
NP! 🙂 Happy to help