#Vitaly-ACH-PaymentMethods
ornate hedge
Hi there, the Plaid+Stripe integration is only supported for creating bank account objects (https://stripe.com/docs/api/customer_bank_accounts/object) which can be used for ACH debit payments (see: https://site-admin.stripe.com/docs/ach). If you are interested in using PaymentMethods then I suggest you write into Support to see if you can get access to a newer ACH feature that is still in beta for using ACH with PaymentMethods.
vital scroll
I think we already got such access, and we add all applicable headers for beta, but the response from Inbound Transfer request (parameters: payment method, financial account, ...) is the following:
"Only verified bank accounts can be used as a payment_method. Please create a new verified PaymentMethod and try again."
so the main question is how to get an instantly verified account for PaymentMethod?
If not via Plaid
Or how else to create Inbound Transfer, if without Payment Method.
Thank you in advance!
ornate hedge
Are you following the guides here: www.stripe.com/docs/payments/us-bank-account?
You will need to be logged into your Stripe account to access that doc
There are guides there both for collecting bank account details ahead of time and for accepting a payment when you collect bank details.
vital scroll
I see the documentation
So this is compatible with Treasury API, and we can use it to transfer money to a Financial Account?
ornate hedge
Ah sorry, I misunderstood and thought you were interested in ACH Debit for your customers.
Can you provide the request ID for the above error message?
ornate hedge
Thanks, give me a sec
So yep, the above is compatible for Treasury API as well. You will want to use a SetupIntent to verify the bank account PaymentMethod before attempting the inbound transfer. This is discussed here: www.stripe.com/docs/treasury/beta/api-spec/moving-money#create-a-setupintent-to-save-us-bank-account-details
Let me know if I can clarify anything about using a SetupIntent? It is largely similar to the ACH guide as described here: www.stripe.com/docs/payments/us-bank-account/set-up-payment you just use a Customer object
vital scroll
It says
To reuse a bank account for future payments, it must be attached to a Customer.
We dont have Customer object, we use Connect Account
will it work without Customer?
ornate hedge
My understanding is yes. Sorry I have yet to test out this beta flow myself. Give me a moment to confirm
vital scroll
sure, thanks for your help
ornate hedge
Can you try testing using pm_usBankAccount as the origin_payment_method and send me the request ID?
vital scroll
1 sec
ornate hedge
Ah sorry I missed it in the doc
vital scroll
req_vfPUt3Qz8toGLa
ornate hedge
You just need to set attach_to_self: true
And exclude the Customer object
For the SetupIntent
That will attach the PaymentMethod to the Connected Account
As opposed to using a Customer
vital scroll
pm_usBankAccount worked, I have received my test 1$ in the expected financial (treasury) account
cool!!!
so, maybe we can somehow avoid using SetupIntent ?
🙂
we already implemented so much of Plaid client side
ornate hedge
No, sorry, you set attach_to_self: true on the SetupIntent creation request.
vital scroll
now we will need to re-implement it using Stripe client side
ornate hedge
You can't use Plaid with PaymentMethods.
vital scroll
how, in general, PaymentMethod should be created, to get it verified instantly?
without Plaid
or there is no such way
ornate hedge
The SetupIntent handles the verification. Instant verification will always be attempted but sometimes a fallback to micro-deposits will be necessary.
vital scroll
for the SetupIntent we need to re-implement all our bank selection logic, which was done using Plaid, so it is a bit more than was planned
ornate hedge
Yes I'm sorry that you were under the impression you could use Plaid with Treasury. It was never built that way.
ornate hedge
Let us know if we can help any further!