#village-josef_pad-payments-and-payouts
fathom iglooBOT
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mystic cypress
👋 Looking over the provided request 🙂
tall sparrow
Thank you! Let me know if there's any more information I can provide
mystic cypress
From this page: https://docs.stripe.com/payments/acss-debit
Stripe provides a hosted solution for collecting mandates from customers using your preferred terms, as well as fully-hosted collection of bank account details and instant bank verification (and delayed verification using micro-deposits in rare cases).
It looks like you are trying to create the serverside without going through the instant verification flow. Am I understanding correctly?
tall sparrow
Yup!
Basically trying to do it without the hosted checkout/payment element flow
Actually creating the payment method, mandate, and sandbox payment intents worked fine, it just didn't like it when I tried to attach it a customer
mystic cypress
You were able to complete payment or simply created the Payment Intent?
in Sandbox?
I think in this case you would have to use micro deposit verification to verify the Payment Method before it can be attached to a customer.
tall sparrow
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Looks like I didn't look carefully enough sorry, it wanted microdeposit verification
What would be the right way to grab that microdeposit URL before I actually have a payment to create?
mystic cypress
tall sparrow
Am I able to do that without setup intents?
mystic cypress
I believe Payment Intents have the same options available, but if you are trying to complete this before having to actually charge a customer "before I actually have a payment to create?" Setup Intents would make more sense.
tall sparrow
OH, there's a payment_method_data on setup intents, totally missed that
mystic cypress
Oh sorry, I should have pointed that out given that you already created the PM previously.
tall sparrow
No worries, I didn't realize you could manually do stuff with setup intents, thought you could just stick em in a checkout/payment element and it'd do it's thing
mystic cypress
That is one way of using them but they do have additional use cases like the one we just discussed.
tall sparrow
I take it the only way to do instant verification is with the popup modal?
mystic cypress
Correct. It's currently baked into our Checkout/PE surfaces
tall sparrow
Alright, I might provide both options then since the modal is incredibly slow (takes like 10 minutes, and I need to do manual inputs anyway)
fathom iglooBOT
mystic cypress
That's understandable
tall sparrow
And I found the setting to take control of sending the emails, awesome!
Thank you so much for the help! Did not realize I could use setup intents like that.
mystic cypress
Of course! So glad we could help today.
tall sparrow
Thank you! Going to go sort this all out now.
Actually got another random question about emails. I
And I hit enter early damn it
I was going to write a paragraph but just in simple terms, are the settings at /settings/emails inherited by all my connected accounts?
fleet glen
Hi there,
I took over for my colleague who had to step away.
When you say /setting/emails, do you mean settings in the dashboard?
tall sparrow
Yes sorry, was trying to show which page (there's several for email settings)
fleet glen
Ok, can you clarify which page you mean? We are not dashboard experts, and email settings can be set in multiple places in the dashboard.
tall sparrow
No worries sorry, would be this one https://dashboard.stripe.com/acct_1QTJNkQliPwfNfpl/settings/emails
Happy to ask support as well if that works better (or open a dashboard thread), I can't find any way to update connected account email settings so I'm assuming it inherits
fleet glen
Got it. Thank you. I can only give you and educated guess. I think those settings are inherited by connected accounts, but if you want to be 100% sure I would indeed recommend reaching out to support. They can verify with the product team if this is true or not.
tall sparrow
Sounds good, thank you!
Realized I have one final question that I've been meaning to ask for ages 😭 that is about the API. So one of the things I need to do is split payouts, i.e. from the same connected account have the money from certain payments go to one bank account and from other payments to another bank account. Is this something I'm able to do with CAD accounts?
It looks like I can create bank accounts with https://docs.stripe.com/api/customer_bank_accounts/create, but it looks like it's primarily set up for US bank accounts (do I pass in the transit + institution + account number to the account_number field?)
And then can theoretically pass in the bank account object to https://docs.stripe.com/api/payouts/create to actually create the payout
Also happy to ask support if that's a product team question
fleet glen
Do you mean having multiple bank accounts for the same currency on one account?
tall sparrow
Yeah
I'm completely happy to manage it entirely through the API, just some way to have multiple accounts that I can send payouts to
fleet glen
Generally you can only have one bank account for one currency for payouts
https://support.stripe.com/questions/can-i-add-more-than-one-bank-account-for-payouts
tall sparrow
Genuinely I have no idea how I missed that support article 💀
Is there any way to do it through the API? It's all written as if you can but seems like it might be in preview/active development right now?
This API is only available for users enrolled in the public preview for Accounts v2 on Stripe Connect. If you are not in this preview, please use the Accounts v1 API to manage your connected accounts’ external bank accounts instead.
Why is it that every time I ask someone for help or questions I end up finding all the answers I somehow missed before 😭
fleet glen
Isn't that a developer's life anyways? 😉
tall sparrow
Yup 😭
Seems like the External Bank Accounts thing requires Accounts v2 (although the URL /v1/external_accounts just says it doesn't exist, I assume just because I haven't joined the preview?), it looks like /v1/payouts is not in preview, but are there any non-preview ways to create CAD bank accounts for use in destination? /v1/customers/:id/sources says that CAD accounts are not supported for ACH, External Bank Accounts are in Accounts v2 (and I'm not sure if they let you add a second account in any case?), the last one I see is bank account tokens, but I would need to change controller.requirements_collection to application for that, and again not sure if it'll allow me to add more than one.
fleet glen
It is possible to have multiple external bank accounts (that requires V2 Accounts) with the same currency on one account. But you would need to talk to Stripe support to get access to that feature.
fleet glen
No worries. We are always happy to help (where we can)
tall sparrow
Thank you!