tobewisebeforeiamold_webhooks | Stripe Developers | Page 1

tepid thicketBOT Mar 10, 2026, 5:27 PM

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hot oyster Mar 10, 2026, 5:29 PM

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Hi there,
can you give me a little bit more context? What is your business flow and what you are trying to achieve?

upbeat pike Mar 10, 2026, 5:31 PM

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Sure! We use Node + stripe-js and recently we had a Chase FCA account payment fail due to a deactivated TAN and we didn't handle it well. So I'm trying to fix that.

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And while I'm in there I thought I'd also handle pay-to account TAN failures as well.

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On a broader level, we are a plaform that lets vendors send invoices to customers, and lets those customers pay those invoices

hot oyster Mar 10, 2026, 5:33 PM

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Ok, to answer the first question, yes it is safe to do that. When receivng the event with a deactivated payment method, it is recommend to detach, create a new payment method and attach that new PM.

upbeat pike Mar 10, 2026, 5:34 PM

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Great! So then I just need to know how to test my handling of account.external_account.updated for a pay-to account. Any tips for me there?

hot oyster Mar 10, 2026, 5:35 PM

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Hm, I don't think we have a guide specifically for that case but let me do some digging...

upbeat pike Mar 10, 2026, 5:35 PM

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Thank you!

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FWIW I do have the stripe CLI installed, in case that helps

hot oyster Mar 10, 2026, 5:46 PM

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Just to clarify, the second question is about paying out to TAN accounts on a connected account, correct? I have to admit that I am not super familiar with TAN, so I just want to make sure that what I read right now applies correctly to your use case

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Meaning, the TAN would be for a Financial Connection as en External Bank Account on a Connect Account

upbeat pike Mar 10, 2026, 5:49 PM

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Ya, that sounds right to me. I also am not well versed in TANs, but we use connect accounts as our pay-to accounts, so that sounds right to me.

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So we'd need a way to trigger that account.external_account.updated for some pay-to account in our test account. That was what I was aiming for at least

hot oyster Mar 10, 2026, 5:54 PM

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So from I am reading it basically should work the same way. We also have this doc https://docs.stripe.com/financial-connections/testing#simulating-tokenized-account-number-behavior on how to simulate TAN behavior.
The flow would be:

Complete a Financial Connections session with the "Tokenized Account Numbers" institution
Select one of the test accounts (likely "Immediately Expiring Tokenized Account Number")
Create an External Bank Account from the Financial Connections Account (instead of a PaymentMethod)
The TAN deactivation should trigger the account.external_account.updated webhook

upbeat pike Mar 10, 2026, 5:56 PM

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Oh, we add the pay-to account differently...I should have looked ho how we do that. I was hoping there was a Stripe CLI command I could run or a button in the dahsboard I could click. We add the pay-to account via account number/routing number, but I don't remember the Stripe API/node method we call. One sec

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Is there an "Immediately Expiring" account number/routing number I could use?

hot oyster Mar 10, 2026, 5:59 PM

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I am looking but as far as I know, we don't have a account numbers for triggering TAN deactivation

upbeat pike Mar 10, 2026, 6:02 PM

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Shoot...I can also call stripe.accounts.update with some custom params if that helps. Any way you can think of that I can use stripe.accounts.update to trigger that event that you can think of?

hot oyster Mar 10, 2026, 6:03 PM

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Oh wait a minute, do you just want to trigger the event, to test if your webhook controller handles the event correctly?

upbeat pike Mar 10, 2026, 6:07 PM

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Ya, I just want to trigger the webhook event, and have that even have all of the right data for the account in it, except make it look like the TAN expired. We typically use the 001111111 01234567890 (that may be the wrong numbers, but the success account/routing numbers but they're something like that), but have the webhook get a account.external_account.updated that makes it look like that account uses TANs and the TAN is deactivated

hot oyster Mar 10, 2026, 6:09 PM

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For a moment I thought about triggering the event through the CLI but it seems like that the event account.external_account.updated is not supported for this 🤦‍♂️

upbeat pike Mar 10, 2026, 6:11 PM

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Ya, I asked the Stripe AI and it said "run this in the CLI" and I did and the CLI told me it wasn't supported 😆

hot oyster Mar 10, 2026, 6:18 PM

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It seems like there is no other way to test this outside of what I described

upbeat pike Mar 10, 2026, 6:21 PM

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Shoot, OK, well thank you for looking! Just to better relay this to our team: if we wanted to be able to test payout account issues like this, we'd need to use the client-side @stripe/stripe-js and @stripe/react-stripe-js methods for adding pay-to account similarly to how we use that to allow customers to add payment accounts? Is that right?

hot oyster Mar 10, 2026, 6:24 PM

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Yes!

upbeat pike Mar 10, 2026, 6:25 PM

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Awesome, thank you for confirming! I'll pass that along to the team. Thanks for your help today!

#tobewisebeforeiamold_webhooks