#hans_unexpected
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fathom herald
Hello, bank transfers aren't supported in setup mode unfortunately. A bank transfer consists of Stripe displaying account details for your customer to transfer money to, so there is no required information to be collected from their side before initiating the actual payment.
https://docs.stripe.com/payments/bank-transfers
Can you tell me more about what you are trying to do here?
cerulean tree
We'd like to set up a way for customers to pay us; we have a customer record for them which is created with billing information from this setup intent.
For certain trusted customers, we want to allow them to schedule when they want to pay us with this customer_balance method
Is there a way to attach a customer_balance payment to an existing customer?
fathom herald
What Stripe surface are you using to take payments? (Elements, Checkout, Invoices, Subscriptions)
You should be able to just create a think that tries to actually take the payment and include the customer ID and customer_balance as a payment method type and the customer can make payment through that
cerulean tree
checkout session to create a subscription with card
fathom herald
Gotcha, so you should be able to just create a subscription Checkout session with customer_balance as a payment method type and the user can get the correct details from there.
I spoke too soon, just tested and got an error when trying to do that. Looking further in to this and will get back to you
Unfortunately it looks like bank transfers aren't supported for subscriptions in subscription mode. You can create subscriptions directly with them but there isn't a way for Checkout to do them.
https://docs.stripe.com/billing/subscriptions/bank-transfer#create-subscription-schedule
Are you using setup mode here because you offer a free trial? I am trying to think of if there is a good workaround here.
cerulean tree
i've tested adding a button where we could initiate a bank transfer
our flow that we do have is that we invoice with Orb and they invoke Stripe's existing payment methods to actually bill the customer
But, we can't set up this type of payment as a payment intent for Orb to initialize us getting paid.
I'm wondering if we can generate this portal as part of Orb issuing an Invoice?
fathom herald
Yes, we provide a link to a Stirpe hosted invoice payment page on the invoice object. So you could directly create the Subscription and then send your custoemrs to the hosted invoice URL on the invoices that get created. That page can even allow users to choose between paying via card or BT if you set them both as options
https://docs.stripe.com/api/invoices/object?api-version=2025-06-30.basil#invoice_object-hosted_invoice_url
cerulean tree
all our invoicing is done on Orb
fathom herald
Ah, so you aren't writing your own Stripe API code here? In that case Orb's support will have a better idea on what your options are here
On this server we know what our API can do, but what is possible with Orb depends on what specifically they've coded with us.
cerulean tree
I proved to ourselves that we could add a button to collect this type of payment, but I don't know how it would interface with Orb
Is there a way to test this customer_balance payment?
fathom herald
Yep test mode supports that payment method. There is an endpoint that you can use to simulate funds for the customer landing in the virtual account https://docs.stripe.com/api/cash_balance_transactions/fund_cash_balance#fund_cash_balance-reference