felipe_ach-migration | Stripe Developers | Page 1

winter sentinelBOT Apr 20, 2026, 5:52 PM

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felipe-borges_api, 4 hours ago, 22 messages

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patent jungle Apr 20, 2026, 5:53 PM

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felipe_ach-migration

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How do I know if a bank account has been migrated without having to look at a charge?
the bank account is not what matters. What matters is how you're creating the Charge

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In the case of Subscriptions the main difference is whether we use default_source: 'ba_123' on the Customer/Subscription or default_payment_method: 'ba_123'

bleak grail Apr 20, 2026, 5:57 PM

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hi @patent jungle thanks for getting back to me

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let me find some example customer objects real quick

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e.g. customer cus_<redacted> has default_source and its charges are of type us_bank_account

patent jungle Apr 20, 2026, 6:05 PM

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That Customer's Subscription has default_payment_method set which takes precedence

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see https://docs.stripe.com/billing/subscriptions/payment-methods-setting#payment-method-priority

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also please ask me anything that's unclear. I am deeply involved in that deprecation and I can likely clear up any confusion 🙂

bleak grail Apr 20, 2026, 6:09 PM

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so if my product only uses subcriptions, is it enough to set the payment method of these subscriptions to satisfy the migration?

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thanks @patent jungle , I'm 2 days in and been having a hard time making sense of this. Also my first time touching the stripe ecosystem

patent jungle Apr 20, 2026, 6:11 PM

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The 2 main things to think of are
#1 Use default_payment_method instead of default_source
#2 Make sure your old BankAccount objects ba_123 have a valid Mandate associated with them. Depending how you collected those originally this is the harder part of the work as you might need to run a one-time migration to backfill all the old objects

bleak grail Apr 20, 2026, 6:14 PM

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we do have valid mandates, but the doc implies we need to create new Mandate objects, even if we use the retained ip address and user agent.

| Depending how you collected those originally

how so?

patent jungle Apr 20, 2026, 6:16 PM

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we do have valid mandates
do you mean you have that record internally or you gave this to Stripe?

bleak grail Apr 20, 2026, 6:19 PM

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we sent it to Stripe when setting up the intent

patent jungle Apr 20, 2026, 6:21 PM

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okay so that means we should have everything you need in that case

bleak grail Apr 20, 2026, 6:22 PM

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meaning: if in the legacy integration we sent a valid mandate for every bank account, we don't need to do anything on that end?

patent jungle Apr 20, 2026, 6:22 PM

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yes

bleak grail Apr 20, 2026, 6:22 PM

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also, how can I check a bank account's mandate? doc assumes I have an id: https://docs.stripe.com/api/mandates/retrieve

patent jungle Apr 20, 2026, 6:23 PM

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you can't unless you have the id or remember the SetupIntent where you set it up

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we're working on adding a List Mandates API and a last_activate_mandate in the API too but it's not ready yet

bleak grail Apr 20, 2026, 6:26 PM

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so there's no way to query which accounts don't have a mandate? maybe if I open a support ticket they could provide that info?

patent jungle Apr 20, 2026, 6:27 PM

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correct and yeah opening a support ticket is likely the best option. Feel free to use https://support.stripe.com/contact/email?topic=api_integration and I can find it and get it to the right people

bleak grail Apr 20, 2026, 6:29 PM

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doing that now

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done

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in the category Payments API

patent jungle Apr 20, 2026, 6:39 PM

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thanks I'll route it to someone!

bleak grail Apr 20, 2026, 6:42 PM

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thanks @patent jungle , that's been really helpful. One thing that's still odd to me: the docs say we should enable this guy, but it's disabled and we still have payments being processed in the new API. Is there something I'm missing?

patent jungle Apr 20, 2026, 6:43 PM

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I don't know, this is a really short/truncated screenshot without much context to go on unfortunately

bleak grail Apr 20, 2026, 6:44 PM

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ah sorry, this is the payment methods settings screen, referred from here:
https://docs.stripe.com/payments/ach-direct-debit/migrating-to-new-apis#build-ach-direct-debit-integration

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winter sentinelBOT Apr 20, 2026, 6:45 PM

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patent jungle Apr 20, 2026, 6:47 PM

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sorry it's still truncated

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you hide the URL and the name and all that so it's hard to really help without the full context and yoiu removed your customer id from earlier too

bleak grail Apr 20, 2026, 6:50 PM

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here, just redacted some company-specific info

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but this not customer-specific

patent jungle Apr 20, 2026, 6:50 PM

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okay so that's the PMC for payments. But you use Billing

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And you also use Connect right?

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You also collect bank account details yourself so this is likely not relevant. Sorry I'm still really guessing for now

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Likely much easier with your support ticket if you don't want to risk leaking any personal information but otherwise we should work from a clear and concrete example

bleak grail Apr 20, 2026, 6:58 PM

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ah, got it. Billing is indeed different. but in Billing, the payment method that the migration docs say must be enabled (ACH Direct Debit) is still disabled. In the doc:

Enable ACH Direct Debit in your Payment methods settings

Maybe it does not matter for Billing.

patent jungle Apr 20, 2026, 6:59 PM

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yeah sorry this is really hard to answer without making educated guesses

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The "default payment method" overrides anything you put in that list for example

bleak grail Apr 20, 2026, 7:01 PM

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☝️ that's probably the reason

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is this any related to what we're discussing?

patent jungle Apr 20, 2026, 7:03 PM

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no, I have no idea what this screenshot is about sorry

bleak grail Apr 20, 2026, 7:06 PM

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ok. thanks @patent jungle this was really helpful

patent jungle Apr 20, 2026, 7:07 PM

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It's a bit tricky to help here without actionable object ids or exact URLs from the Dashboard. I do know you prefer to hide the PII which is totally fair so on the support ticket you can likely discuss a more specific case, but make sure to provide all those ids as they are crucial to investigate what's happening

bleak grail Apr 20, 2026, 7:08 PM

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yes, but still this thread was really enlightening

patent jungle Apr 20, 2026, 7:12 PM

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glad I could help. I also got my colleague to respond to your Mandate question!

#felipe_ach-migration