#emilycheyne-connect-bank-debits
grizzled meadow
hey there, to clarify, do you just mean you want to avoid collection of those details for the recurring payments, or you don't want to collect them at all?
keen trail
We want to collect them, I am just reading through https://stripe.com/docs/ach and https://stripe.com/docs/payments/acss-debit and it looks like we might have to get micro charge amounts from customers after we enter their details and then get their explicit consent every time we process a charge? Or I might be misunderstanding
grizzled meadow
Not all customers can verify the bank account instantly. This step only applies if your customer has elected to opt out of the instant verification flow in the previous step.
The flow (which you can try out in test mode) offers an automatic method without getting transit/account etc, but may not be available for all institutions (eg, some smaller credit unions may not offer this), or a customer might opt out and prefer the micro-deposit approach
By default Stripe can manage the mandate requirements for you via customer email: https://stripe.com/docs/payments/acss-debit#mandate-and-debit-notification-emails
You can opt out of this if you prefer to control it yourself
There are notification requirements but you do not need re-consent for each debit
keen trail
yes, it's this part I am specifically interested in. Even if the customer has their transit number (i.e. they have provided it to us over the phone) they will still have to go and confirm the micro-deposits
grizzled meadow
Yes, that's required when using the bank account details to set up the payment method, to ensure the correct accoutn details were entered
keen trail
Is this the case in the USA too?
grizzled meadow
otherwise if there was an error by the customer or you the wrong account might be debited
Yes
That's how the current bank debit sources work in teh US, too
keen trail
okay, thank you. That makes sense
grizzled meadow
Though for the USA you can also use Plaid to establish the connection
(without microdeposits)
keen trail
Once this feature moves out of beta, will the requirements of plaid or micro-deposits change at all https://stripe.com/docs/payments/bank-transfers
grizzled meadow
We're working on a new payment method based integration for US bank account too, which should be coming soon (no specific timeline yet)
So if you're building this new, I'd suggest doing canada first and waiting for the new API for teh US bank accounts
keen trail
Thanks, I appreciate your help 🙂
grizzled meadow
NP!