#sunnylbk_api

1 messages · Page 1 of 1 (latest)

dreamy oreBOT
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midnight tulip
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hello! i'm working on another thread at the moment but i'll get back to you asap

terse wharf
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Thank you

midnight tulip
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for the request ID you provided, is that the first or the second time this customer is checking out with that bank account?

terse wharf
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Second time

midnight tulip
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can you share the first request too?

dreamy oreBOT
terse wharf
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req_8eUJ0WcKllGcXf

solemn jungle
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hi! I'm taking over this thread.

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do you expect the Payment Element to re-display the previously saved bank details to the user?

terse wharf
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Yes

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It's showing for card, not for bank account

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Screenshots attached above

solemn jungle
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looking into this

solemn jungle
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will try to reproduce this on my end.

terse wharf
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Do we have to pass any params for us_bank_account when creating a payment intent?

solemn jungle
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I don't think so no. can you share a PaymentIntent ID (pi_xxx) that you created and has this issue?

terse wharf
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I am not seeing a payment intent, I see a checkout session log

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This is the request I tried again with the same bank account, req_L64C6xdSSAXd9q

solemn jungle
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wait I'm confused. are you using Payment Element or Checkout Session?

terse wharf
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I see. Is there any other way to display bank accounts without payment element?

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Specifically from the server side

dreamy oreBOT
gleaming cargo
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👋 taking over for my colleague. Let me catch up.

terse wharf
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It's not a direct debit. We are looking to provide option to pay one time via bank transfer, one time without using it direct debit

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Currently, every time they try to pay, they are having to enter the bank details and go through micro deposit verification

gleaming cargo
gleaming cargo
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this is not a bank transfer

terse wharf
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This is the request id for the checkout session, req_aa673Zj51fl9lB
We are not specifying it as DD

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Is the value for this us_bank_account?

gleaming cargo
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us_bank_account is ACH Direct Debit

terse wharf
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I see, can you please point to what should we pass for bank transfer?

gleaming cargo
terse wharf
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Thank you!

terse wharf
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We specified us_bank_transfer as option, now we are getting this error

left salmon
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Hi 👋 that's because it isn't a support payment method type, nor what the guide my teammate provided instructs you to use.

terse wharf
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Can we update the labels in above, like using ACH Direct Debit instead of US bank account?

Screenshot_2025-06-18_at_18.49.03.png
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And does Stripe automatically mark invoice as paid once payment is done via bank transfer?

Screenshot_2025-06-18_at_18.55.17.png
left salmon
left salmon
# terse wharf And does Stripe automatically mark invoice as paid once payment is done via bank...

Depends on the reconciliation mode that you have selected. We talk in more detail about how automatic reconciliation works, including how it determines what Invoices/Payment Intents to apply funds to, as well as how to use manual reconciliation if that is a better fit for your flow, in our reconciliation guide here:
https://docs.stripe.com/payments/customer-balance/reconciliation

Let me know if that doesn't give you the insight you're looking for though.

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I'm also very nervous that there may be misalignemnt between what you're trying to do and what my teammates think you're trying to do.

Do you want to step back to make sure we're aligned on what you're really trying to accomplish first?

Like with Bank Transfer payments, your customers will need to trigger a wire/transfer from their bank to the bank account information we provided for each payment (they need to push funds to you). However, from your initial message, I was getting the impression that you want to accept ACH Direct Debits (where you pull funds from your customer's bank accounts) for multiple payments without your customer needing to provide their bank information each time.

If your goal is the second thing I described, then Bank Transfers won't help you resolve that.

terse wharf
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We are looking for a way where our clients can pay a one off invoice without going through direct debit workflow. Will such a thing always be a push?

left salmon
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Can you elaborate on that? Like your customers have to provide payment method details at least once.

terse wharf
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For example, with direct debit, micro depoit workflow can take 1-2 days. In the meanwhile, if they have to make a payemtn urgently, how can they do it?

left salmon
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They user another type of payment method that doesn't take that long to set up, or they use instant verification to set up their bank account with us quicker, or you don't press them to make another payment until the first one completes and you have a payment method that you can reuse (assuming you're setting those up for reuse)

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What do you want your cusotmer experience to be in this situation?

terse wharf
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Instant verification isn't available with all the banks, right?

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In such cases, we want our customer to enter their account/routing number and Stripe can pull funds one time from that account

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Like it would do with card payments

left salmon
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I'm a little confused then, isn't that the flow you had? Where your customers are being asked to provide their bank details again, so funds can be pulled from the account one time.

left salmon
terse wharf
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Sorry, adding more details. It was pulling funds, but client is having to go through micro deposit verification every time they wanted to pay

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Even for the bank account which they added earlier

left salmon
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Because you're asking them for new bank details each time, right?

terse wharf
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It wasn't doing same thing for cards

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With card, once a payment was added, it was showing up. Your collague pointed out that bank accounts can't be shown like that

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With checkout sessions

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Streamlining our use case further: Our client is entering bank details and going through micro deposit verification. One that method is verified, if they want to make payment again later with same payment method, ideally, we don't want them to enter the details again. We want them to use already added bank account to make the payment

left salmon
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They don't have to, you could just process a payment for them using the saved Payment Method.

It sounds like you're using the flow we show in this guide:
https://docs.stripe.com/payments/save-during-payment?client=js

So, when you want to charge your customer later using the Payment Method they set up when going through a Checkout Session previously, you'd create the related payment objects and use their saved payment method to process the payment.

That is what is shown in Step 7 of that guide, but exactly how you do that may change depending on whether you want to use a Payment Intent to process that subsequent payment or a higher order object like an Invoice.

terse wharf
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Our client could have added card and bank details earlier. So, we want to give them option to choose from already added payment methods when they make payment. Can we do if they have earlier added a card and bank details?

left salmon
terse wharf
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Yes, it sounds like this is what we have to do: either have our own UI or use embedded element. Tried to see if there's a way to achieive similar with serve-side