#gewibu_best-practices
fluid cypressBOT
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- gewibu_ach-decline, 1 hour ago, 8 messages
civic fiber
Hello, just to make sure I understand your question: you are asking how to initiate a charge as soon as a user enters their bank account info into your form? Or are you looking to skip a different part of this process?
Also, is there a specific reason you are looking to create the bank account object directly like that? The typical flows we reccommend now are using the payment element or our direct financial connections flow where Stripe.js presents a pre-built UI for collecting these details.
old patio
Yes I am curious how to initiate a charge as soon as a user enters their bank account info. I know that stripe has features like the payment element which we use in other front-ends already but this is a legacy front-end so I'm working with the infrastructure that we already have- unless the only way for me to get a same-day transaction from a bank account would be to use the payment element
civic fiber
Gotcha, in that case if you already have the stuff to create the ba_ object, the next step would be to create/confirm the payment intent with that ba_ ID as the payment method ID. You can do that client-side via the confirmPayment call while passing the ba_ ID to the payment_method parameter or you do it server-side with the payment intent create or confirm call.
That said, the second doc I linked to may still be relevant to you. The only Stripe UI it uses is a modal that appears on the page after you call collectBankAccountForPayment
old patio
great! I think that answers my question- thank you
civic fiber
Sounds good, let us know if you run in to further questions here!
old patio
One last question: so by using the payment intent create or confirm call, the bank account that I have created won't require any sort of action to confirm or validate the bank first before the Payment intent is confirmed, right?
fluid cypressBOT
brisk blade
👋 stepping in here as Pompey needs to step away.
If the Bank Account is collected via Financial Connections then the verification is done instantly, see https://docs.stripe.com/payments/ach-direct-debit/accept-a-payment?web-or-mobile=web&payments-ui-type=direct-api#web-collect-details which discusses this.
This doesn't stop you from confirming though.
If they didn't collect via Financial Connections then the PaymentIntent would go into requires_action to be verified with microdeposits.
Sorry I misread -- you are asking about if you don't use Elements and you are just collecting the bank account details yourself.
In which case yes you can pass the Bank Account object to the PaymentIntent and pass mandate_data as well and confirm the PaymentIntent.