Rob-ACH | Stripe Developers | Page 1

misty dune Oct 20, 2021, 3:10 AM

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heya @slim willow ! I'd strongly reccomend that you remove the link

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If someone fills up the details in that form, they'd probably be able to get the funds refunded to them

slim willow Oct 20, 2021, 3:11 AM

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It's a test mode link

misty dune Oct 20, 2021, 3:11 AM

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ah, alright!

slim willow Oct 20, 2021, 3:12 AM

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Thanks for the concern though 🙂

misty dune Oct 20, 2021, 3:12 AM

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anyway, to answer your question, for ACH CT refunds, we'd always send an email to request for their details to send the refund to.

It's not specifically when the refund fails

slim willow Oct 20, 2021, 3:13 AM

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I see. So how does that link work? What is the source specified in the URL used for?

misty dune Oct 20, 2021, 3:17 AM

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If you're using ACH CT with sources - I like to think of it as a piggy bank (that belongs to a customer) and the source id is what uniquely identifies it.

So the source id would be how Stripe knows where to refund the money from

slim willow Oct 20, 2021, 3:19 AM

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Okay, so what happens next? Stripe takes money from our bank account, puts it in this source temporarily, and then sends it to the account details the customer entered in that form?

misty dune Oct 20, 2021, 3:22 AM

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yes, you can think of it that way.

slim willow Oct 20, 2021, 3:28 AM

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Thanks.

So we have a scenario using invoices, where the wrong ACH invoice payment details were shared, and our customer sent funds to the wrong source (belonging to a different customer)

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Do you agree we could use this refund link as a solution, to send the funds back to the original customer?

misty dune Oct 20, 2021, 3:31 AM

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I would actually reach out to Stripe Support for them to provide step by step guidance on this. The ACH refund email will be sent to the email associated with the source. You would need to update the source email such that the refund email is sent to the customer that transferred wrongly.

An easier solution may simply be to manually mark the correct invoice as paid.

slim willow Oct 20, 2021, 3:34 AM

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Well apparently we can set source.receiver.refund_attributes_method to manual which prevents the email being sent right?

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Regarding your suggested simpler solution, I can see how this would work but how would we tie the funds to the invoice? Since, in this example, the invoice would be paid without funds, and separately we have funds in an ACH source which eventually get paid out right?

misty dune Oct 20, 2021, 3:39 AM

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so assuming invoice A is the invoice that should have been paid, invoice B is the incorrectly paid invoice.

I think your concern here is more on reconciliation right? You've already collected the funds from invoice B (if it's less than what invoice A is, you can also charge the source for the remaining funds, but i'll go into that separately if necessary). You would probably have to make a note somewhere that the funds from this invoice were collected from invoice B.

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if you set the source.receiver.refund_attributes_method to manual, that's also possible, you could manually collect the customer's bank account details to update the source refund attributes

slim willow Oct 20, 2021, 3:54 AM

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I guess there's two different scenarios that are possible.

Scenario 1:
Customer sends funds to wrong ACH source. There is NO invoice associated with this source so the funds just sit there.
In this scenario, is seems there are two solutions.
Solution 1A:
Create a payment/charge for this source to take the money, and then manually pay the invoice, and reconcile separately
Solution 1B:
Use the ACH refund link I mentioned earlier to send funds back to customer bank details

Scenario 2:
Customer sends funds for Invoice A to the wrong ACH source which DOES have Invoice B attached and the invoice is paid (since invoice amount is less than sent amount).
Solution 2A:
Just manually pay invoice A and manually reconcile that it was actually paid through invoice B, then create a new Invoice C for the customer who owned Invoice B?
Solution 2B:
Refund Invoice B, but set source.receiver.refund_attributes_method to manual and then send the ACH refund link to the correct customer, and then create a new invoice for the customer who owned Invoice B

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It seems for both scenarios, it's either we reconcile ourselves (which is a bit messy), or else refund (which is also messy haha)

misty dune Oct 20, 2021, 4:02 AM

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for 2B, the ACH refund link is from you? or generated by Stripe?

slim willow Oct 20, 2021, 4:03 AM

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From us (we would have to use the APIs to fetch the source ID and secret in order to generate the link)

misty dune Oct 20, 2021, 4:07 AM

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your summary looks correct to me, i'd just make sure to test before doing anything in production (although the email isn't sent in test mode) to make sure that we didn't overlook anything

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oh wait, it looks like you were able to generate a refund email in test mode, that was a test mode refund email that you shared with me earlier

slim willow Oct 20, 2021, 4:16 AM

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Yes we do send them in test mode if the owner email of the source is the same as our Stripe account admin owner!

misty dune Oct 20, 2021, 4:17 AM

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aaah

slim willow Oct 20, 2021, 4:17 AM

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I have been talking with multiple support agents with this so I know a few tricks now lol

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Thanks for the help, will try some of the solutions we discussed!

misty dune Oct 20, 2021, 4:18 AM

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feel free to reach out again if you need help 😁

#Rob-ACH