#nielsen_plaid-de-integration-and-achv2-migration
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jade star
Hello 👋
Plaid is an integration to securely collect bank account information (account/routing numbers) and turn them into Stripe Sources but the Sources are still in Stripe and don't require the Plaid integration. Can you provide an example source ID I can review?
drifting cipher
Let me see if I can find one real quick.
fierce badgeBOT
nielsen_plaid-ach-sources
drifting cipher
here is one
ba_1TYSh3AeTljDDHLYLDU0PieB
jade star
Thanks, taking a look
Okay it looks like your account is still using ACH v1 sources with the /v1/charges endpoint.
This is/has been deprecated and you should make sure you review the following support article and the linked articles within it
https://support.stripe.com/topics/deprecation-of-legacy-ach-direct-debits
drifting cipher
Yes, we're in the process of doing that now and also looking into using Stripe Financial Connections as well
But we're worried about what happens once we close down our Plaid account
jade star
BUT, to address your original ask, the sources exist on your account within Stripe so they don't suddenly stop working if you stop using Plaid
drifting cipher
to all payment methods that were created by the integration.
drifting cipher
_BUT_, to address your original ask, the sources exist on your account within St...
Ok that's good to hear. What about banks like PNC? I've been reading that those accounts may not work anymore because of the way they share bank account information. Supposedly they dont give Stripe real bank accounts, but some sort of temporary number that works for ACH payments and that they would stop working if we stop using Plaid
if true, what is Stripe's recommendation on how to deal with those accounts?
jade star
Unfortunately that I'm not familiar with. In a situation where one of these saved banks stops working, the best recommendation would be to notify the Customer and bring them back on-session to connect a new bank account using the Financial Connections flow.
Aha! We do have this support article here that seems to speak to this: https://support.stripe.com/questions/prevent-ach-payment-and-payout-failures-due-to-expiring-pnc-tokenized-account-numbers
And we even have a guide on how to identify/manage these types of account numbers using Financial Connections: https://docs.stripe.com/financial-connections/tokenized-account-numbers
jade star
No they do not. They are created using an older integration pattern that uses Sources. It does not automatically create Financial Connection Accounts (fca_)
drifting cipher
Ok I was reading in one of the arcles that I can query by the fca id to determine if it's a tokenized account number or not
fierce badgeBOT
jade star
Yeah, unfortunately the legacy bank accounts created from tokens do not have the same level of data available
drifting cipher
so for those accounts, it seems like we can't even see the expiry date. That information is all coming from Financial Connections.
So we either, preemptively force a user to re-add their payment method once we're on Financial Connections or just keep using the Plaid Stripe Token created payment method until it fails. Does that sound right?
(if it fails at all, seems like only PNC MIGHT add expiry back)
deep urchin
Hi there,
taking over for my colleague who had to step away.
And yes, that is correct, Either get the customer back on session and re-collect the payment method or what for the fail. However we strongly recommend the first option obviously.
drifting cipher
Ok this helps a lot. Thank you
deep urchin
No problem. We are always happy to help.