pravin-ach | Stripe Developers | Page 1

wheat patio Mar 16, 2022, 8:47 AM

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Hi there! Let me take a look.

bold bridge Mar 16, 2022, 8:48 AM

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i have generated bank token using plaid.

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i want perform ach paymnet for connect account using same bank token

wheat patio Mar 16, 2022, 8:56 AM

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What type of model are you interested in, with the involvement of a Connected account?

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Does the payment occur on the Connected account, and you as a platform charge the application fee?

bold bridge Mar 16, 2022, 8:57 AM

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ACH Payment Should occur on connected account.

wheat patio Mar 16, 2022, 8:58 AM

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Or the customers pay on your platform account, then you transfer the respective amount to your Connected account?

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Nice, thank you.

bold bridge Mar 16, 2022, 8:58 AM

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i dont want transfer

wheat patio Mar 16, 2022, 8:58 AM

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In this case, a "Direct Charge" sounds like a good option: https://stripe.com/docs/connect/direct-charges

bold bridge Mar 16, 2022, 9:00 AM

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yes, but how can i pass Customer id in this

wheat patio Mar 16, 2022, 9:00 AM

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When you create a charge via ACH https://stripe.com/docs/ach#creating-an-ach-charge, if you specify an extra line of code:
RequestOptions requestOptions = RequestOptions.builder().setStripeAccount({{CONNECTED_STRIPE_ACCOUNT_ID}}).build();

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{{CONNECTED_STRIPE_ACCOUNT_ID}} is the Connected account's id you can find on your Stripe dashboard

bold bridge Mar 16, 2022, 9:02 AM

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it will not resolve my issue

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let me explain step by step

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I am referring below docs for ACH Payment

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https://stripe.com/docs/ach#creating-an-ach-charge

ACH guide

Stripe supports accepting ACH payments—directly from bank accounts—alongside credit cards. We currently only support ACH for Stripe businesses based in the US.

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I am verifying bank account using Pliad

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plaid*

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so it will give me stripe_bank_account_token

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by using that bank account token i am creating customer object like below

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CustomerCreateParams params =
CustomerCreateParams.builder()
.setDescription("Example customer")
.setSource(tokenID)
.build();

Customer customer = Customer.create(params);

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by using this customer object i need to do ACH paymnet for particular connected account

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hope its clear now

devout plume Mar 16, 2022, 9:05 AM

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ok, so what have you tried?

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can I suggest again that you don't build this now and wait a while? We're re-launching ACH fairly soon so it's not a great time to build this on the legacy APIs.

bold bridge Mar 16, 2022, 9:06 AM

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i have tried using below code

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ChargeCreateParams params =
ChargeCreateParams
.builder()
.setAmount(1500L)
.setCurrency("usd")
.setCustomer("cus_AFGbOSiITuJVDs")
.setTransferData(
ChargeCreateParams.TransferData
.builder()
.setAmount(850L)
.setDestination("{{CONNECTED_STRIPE_ACCOUNT_ID}}")
.build()
)
.build();

Charge charge = Charge.create(params);

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its send amout to platform account and then transfer to connect

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but i dont want that

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i want direct payment in connect account

devout plume Mar 16, 2022, 9:07 AM

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makes sense

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so in this case you should not create a Customer then

bold bridge Mar 16, 2022, 9:08 AM

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then there is no use of bank token right?

devout plume Mar 16, 2022, 9:08 AM

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you should do

RequestOptions requestOptions = RequestOptions.builder().setStripeAccount({{CONNECTED_STRIPE_ACCOUNT_ID}}).build();
ChargeCreateParams
    .builder()
    .setAmount(1500L)
    .setCurrency("usd")
    .setSource("btok_xxxx")
//...
//...
Charge.create(params,requestOptions)

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you can pass the token directly to the charge API

bold bridge Mar 16, 2022, 9:09 AM

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oh

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i think it will make sense

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could you please provide ref link of above code

devout plume Mar 16, 2022, 9:12 AM

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not really, is something unclear about the code?

bold bridge Mar 16, 2022, 9:13 AM

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its clear for me

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one more last question , you said, **can I suggest again that you don't build this now and wait a while? We're re-launching ACH fairly soon so it's not a great time to build this on the legacy APIs.
**

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till when new launch coming live

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and will be there lots of changes?

devout plume Mar 16, 2022, 9:16 AM

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can't give you a timeframe! But it's planned to be soon. And yes, it will be entirely different and use the current PaymentMethod and PaymentIntent APIs and so on, like every other payment method does today, not this legacy Token + Charge API.

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the code you write today will still work fine and doesn't have to be updated, just be aware all our future work and products will build on the new version instead

bold bridge Mar 16, 2022, 9:17 AM

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oh awesome

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thank you

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Above Solution worked for me

#pravin-ach