#ayesha-shaikh_api
coarse spireBOT
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wicked hawk
is there any other endpoint i can use to verify ach payment method? that doesnt require me to save setup intent
west cosmos
Or you can get the SetupIntent by the PaymentMethod Id at runtime:
https://docs.stripe.com/api/setup_intents/list#list_setup_intents-payment_method
wicked hawk
got it thanks!
west cosmos
Np!
wicked hawk
a few more questions around mandates
west cosmos
yes sure
wicked hawk
if I am using this method to collect ach account details & create payment method
https://docs.stripe.com/payments/ach-direct-debit/set-up-payment?payment-ui=elements#microdeposit-only-verification
where does creating mandates come in to picture?
west cosmos
Stripe will collect and create the mandate for you, you don't need to do anything else manually after that
You collect the mandate ack here:
https://docs.stripe.com/payments/ach-direct-debit/set-up-payment?payment-ui=elements#web-collect-mandate-and-submit
wicked hawk
but i am using custom form to collect bank account details
wicked hawk
okay - so on my custom form I show the madate terms (some verbiage about the ach usage), customer accepts & then I confirm the setupintent
which creates mandate & payment method
west cosmos
yes exactly
wicked hawk
and i dont need to provide any other details which are required for online mandates
user ip address etc ?
west cosmos
NO Stripejs will collect these for you
wicked hawk
yeah and do we need to store mandate details on our end?
store & maintain - is it required for any future use?
west cosmos
Nope
but you should listen to the webhook endpoint mandate.updated in case it got expired or revoked
So that you need to collect a new one (by asking the customer to walk through this flow again)
wicked hawk
got it, with this webhook event i'll obiviously know the payment method this mandate is related to
So that you need to collect a new one (by asking the customer to walk through this flow again)
same flow , creating, confirming setupIntent?
wicked hawk
okay, thanks!!
west cosmos
Welcome!
wicked hawk
few more questions 😬
west cosmos
Yes yes sure! feel free to ask as many question as you want
wicked hawk
once setupintent is confirmed for ACH - will the microdeposit flow for verification automatically trigger?
with confirm setupintent - i get payment method is created, attached to the customer, mandate is created, and Stripe will eventually send microdeposit (descriptior code OR 2 amounts)
west cosmos
once setupintent is confirmed for ACH - will the microdeposit flow for verificat...
yes
west cosmos
with confirm setupintent - i get payment method is created, attached to the cust...
yes
coarse spireBOT
west cosmos
I recommend doing some end to tend test (with stripe Sandbox and test data)
wicked hawk
https://docs.stripe.com/payments/ach-direct-debit/set-up-payment?payment-ui=elements#microdeposit-only-verification
https://docs.stripe.com/payments/ach-direct-debit#mandate-and-microdeposit-emails
If you supplied a billing email, Stripe notifies your customer through this email when the deposits are expected to arrive. The email includes a link to a Stripe-hosted verification page where they can confirm the amounts of the deposits and complete verification.
in my current flow i have a custom microdeposit form - i wanted to understand how the stripe hosted verification page works
wicked hawk
I recommend doing some end to tend test (with stripe Sandbox and test data)
yes, wanted to do that once I understand the entire flow with payment method & intent API
I want to let stripe handle the mandate emails & handle the microdeposit verification with a custom form
remote moss
Assuming there are microdeposits (i.e. for users that can't be instantly verified), when the microdeposits have been sent, Stripe sends an email which leads to a hosted verification form, which asks the user to enter the amounts.
I'm not sure this can be tested in a sandbox, however.
wicked hawk
for instant verificaiton financial connection is required which has separate pricing i think
so for my integration i want the verification to be defaulted to microdeposit
and is there any way to collect microdeposit on custom form by disabling the hosted verification page
remote moss
Yes, you can disable the Stripe-sent emails: https://docs.stripe.com/payments/ach-direct-debit#mandate-and-microdeposit-emails
Then you can create a form that prompts for the information: https://docs.stripe.com/payments/ach-direct-debit/accept-a-payment?payment-ui=direct-api&web-or-mobile=web#optional-send-custom-email-notifications
wicked hawk
mandate and microdeposits email are different right
remote moss
Yes, though you can combine both into a single email if you want