#Alex Borremans - ACH Guest Pay
weak tree
Good question. I am not immediately sure but I will look in to this and get back to you
strong folio
Thanks @weak tree ! I appreciate it.
weak tree
Have you tested this and you are seeing the ACH details for every other guest user when you test?
Or is that theoretical from reading our docs?
strong folio
In the test environment, we are only presented with a list of already linked accounts to choose from, so we are honestly not sure. In testing we first see this screen
Which only lets us select "Test Institution"
And then we are asked to add one of these accounts
Of which, there are two that are already linked.
So it "appears" that there is already a "Test Instituation" linked to our guest customer that any user can see and use
So I am going to say that we have tested this and are seeing the ACH details for every guest user in testing. Although, that may be part of the "Test" environment. We are not sure :/
weak tree
Ah I see, thank you for the info.
Are you using the same email or phone number for these guest customers? It looks like we may group them by that.
Unsure of the implications, just found that that might be why we see those grouped like that
strong folio
I'm not sure. Let me check with our QA team and see what we have been testing with.
Give me a few minutes
We have been testing with a few unique emails (5 to be exact). We get the same Test Institution on the first screen and the same accounts that say they are linked with every unique email we enter.
I just tested with a valid email, that we have never used with Stripe before, and I get the same exact Test Institution and linked accounts showing.
weak tree
Interesting. And how are you collecting these bank details? Is this with a Stripe hosted page or a custom form?
Trying to think of how we can look more deeply in to this behavior
strong folio
It is a Stripe hosted form
I would also be more than happy to set up a share screen and show you what we are seeing if that would help
weak tree
Unfortunately we don't really do screen shares on this server but we should still be able to look in to this. Do you have the ID of a checkout session (cs_123) or PaymentIntent (pi_123) that came from one of these Checkout Sessions?
If you don't have one on hand you can probably grab one from your dashboard: https://dashboard.stripe.com/test/payments
strong folio
Let me grab one
pi_3KQekhCG5ttGVn1r15QBiXPF
That's one I just created using our guest checkout process
weak tree
Awesome thank you
checking in to it to see why it would be able to see other account numbers
strong folio
No problem... and thank you for the quick response and willingness to look into this.
weak tree
So it looks like this is happening because guestCustomer is the actual ID of a guest customer that was created on your test account https://dashboard.stripe.com/test/logs/req_imBn4ANHAmiR5S
So supplying its ID will connect all these Payment Methods to that Customer.
warped girder
My understanding is that a customer is required for setting up an ACH payment intent
weak tree
If you need one to create it with ACHv2, you will likely want to create a new Customer object for each guest.
Though I am unsure on the recommendation for this flow. Checking in to it.
strong folio
Okay - That seems like a messy way to do it.
weak tree
Can you try creating a payment intent for this without providing a customer ID?
If it isn't actually required, you can likely just go without. Looking in to if you can but testing this may give an answer sooner
Oh nevermind, it is required
strong folio
We are testing that locally now... It might of been v1 where the customer was required
weak tree
v2 docs say it is required as the funds come out of Customer Balance https://stripe.com/docs/payments/bank-transfers/accept-a-payment#web-create-a-customer
strong folio
We are still going to try setting up a payment intent without the customer using ACHv2
I can confirm that we get an error when trying to set up a payment intent using v2 without providing a customer
invalid_request_error - intent, The PaymentIntent doesn't have an associated Customer
weak tree
Yeah, as the docs lay out, overpayments can be a common occurrence with bank transfers hence the need for Customer objects to track that balance.
strong folio
FYI - I can't see the doc link you sent above
weak tree
I can reach out to my colleagues to ask if we have guidance on how to handle guest customers here
strong folio
strong folio
I can reach out to my colleagues to ask if we have guidance on how to handle gue...
Great! Thanks for doing that!
weak tree
Sounds good. I have to step out shortly and if so you will hear back from a colleague.
Can you link me to the doc you have been working off of if any?
strong folio
weak tree
Thank you