#Baris - Custom Account Setup
distant spade
Hello, just to line up on terms here, we are talking about collecting card or bank account info to pay out to correct?
rapid sequoia
Oh sorry, I meant bank account infos. In order to schedule payouts.
distant spade
No worries, those are typically referred to as "external accounts" but now that I think of it a PaymentMethod object might be involved at some point. Looking in to this again.
rapid sequoia
Currently our flow was to collect payment methods via the setupIntent for customer's but this exact flow would not be acceptable for the accounts, I'm assuming.
From the API docs I could not figure out how to create an external account, or more precisely I didnt find out what the btoken_ stands for (https://stripe.com/docs/api/external_account_bank_accounts/create)
distant spade
Yes, I think you can do it with setup intents as well, I am still looking in to exactly how though. One way or another you will want to create them on your own custom page with elements. We have one example here: https://jsfiddle.net/ywain/8nobq41n/
I am still looking in to the other way
Do you have a page where you can create a bank account PaymentMethod with one of a SetupIntent?
rapid sequoia
We have currently only the Elements from react-stripe library. But I guess it's only for collecting Payment Methods?
distant spade
I think that is indeed what you need here. (Sorry for my initial confusion)
It looks like you can use PaymentMethods to create bank account tokens though I can't test at the moment
bank_account='ba_123'
stripe_account='acct_456'
)```Oh okay, all good! So we were using the PaymentElement but were confused while it asks for card number and so on, instead of any routing numbers or account numbers. We are from Germany so an IBAN would be important for us.
rapid sequoia
```token = stripe.Token.create(
bank_account='ba_123'
stripe_ac...
The bank account is something what we can retreive from our existing customers, or am I wrong?
who have saved already any payment method, e.g. cards
distant spade
Yes, if you created one to save the payment method, I think you should just be able to use that object
The PaymentElement does support bank account payment methods. They should show up if you have them enabled in your payment method settings https://dashboard.stripe.com/settings/payment_methods
Or you can specify which ones you want when you create the SetupIntent https://stripe.com/docs/api/setup_intents/create#create_setup_intent-payment_method_types
rapid sequoia
Alright thanks! I need to look into these resources and test some out I guess.
distant spade
Sounds good. I should have time to test myself in a moment, will let you know what I can find.
rapid sequoia
Or you can specify which ones you want when you create the SetupIntent https://s...
Sorry for bothering you again, the payment_method_types type for payouts would be sepa_debit right?
In order to get the right PaymentElement on the client and collecting the right bank data.
distant spade
Yes, that will allow the PaymentElement to collect bank account details
rapid sequoia
Alright, so the next step would be to call stripe.createToken(...) instead of stripe.confirmSetup (like we did to confimr setupIntents for customer payment methods) on the client and then passing the token to our server to create an externalAccount for the connect account.
flat elk
👋 I'm taking over since @distant spade has to head out - give me a minute to catch up
rapid sequoia
So I can sum it up a little bit, We are currently setting up custom connect accounts and need to figure out how we can create / collect the bank details in order to schedule payouts for our platform users.
The external account creation with the API is currently our main problem since its not handled by stripe for custom accounts. So we were using PaymentElement from the react-stripe lib on the client to collect the bank details for the payment method "sepa_debit".
flat elk
Sorry, it's been really busy in here! To start off, this is something you won't be able to do with the Payment Element since you can't create tokens with the Payment Element
rapid sequoia
ohh really?
So is the only way to create an external account with the api through the token? Or is it possible through a confirmed setup intent?
flat elk
Creating an external account wouldn't be possible through a Setup Intent. You'd either use a token or you can pass in a dictionary w/ details to the external_account parameter (https://stripe.com/docs/api/external_account_bank_accounts/create#account_create_bank_account-external_account)
rapid sequoia
Alright I understand, talked twice with supports and always were told to be able to use the paymentelements for this. Im confused a bit now. What would be the best fit for this? IbanElement?
flat elk
Yes, the iban element would be a good option and will allow you to generate a token
rapid sequoia
Im not that familiar with the IbanElement, how would be the basic flow for it? Before I was creating the setupIntent and was passing the clientsecret
flat elk
You wouldn't need to create a setup intent anymore - you can see an example of how to use it with createToken here: https://stripe.com/docs/js/tokens_sources/create_token?type=ibanElement
rapid sequoia
Thanks thats what i was looking for!
Another question is there any documentation on the <IbanElement /> from the react stripe lib?
worldly tangle
what kind of documentation do you need
rapid sequoia
kind of example / usage
worldly tangle
rapid sequoia
yes thanks!