Carlos-ACH-tokenize | Stripe Developers | Page 1

leaden scarab Mar 17, 2022, 4:47 PM

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Hi there! You don't tokenize the information yourself for ACH Credit, we provide you a virtual bank account number when you create an ACH CT source. I recommend reviewing our docs here: https://stripe.com/docs/sources/ach-credit-transfer

ACH Credit Transfer payments with Sources

Use Sources to accept ACH payments sent directly from your customers.

shell acorn Mar 17, 2022, 4:49 PM

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I read that page, however I wasn't able to understand where do I need to set the Bank Account of the customer?

leaden scarab Mar 17, 2022, 4:50 PM

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Are you using Invoices?

shell acorn Mar 17, 2022, 4:50 PM

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no, I am not

leaden scarab Mar 17, 2022, 4:50 PM

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Okay in that case you create an ACH CT source using: https://stripe.com/docs/api/sources/create

Stripe API reference – Create a source – curl

Complete reference documentation for the Stripe API. Includes code snippets and examples for our Python, Java, PHP, Node.js, Go, Ruby, and .NET libraries.

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Then you attach that source to the customer

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That source will have an account number automatically associated with it

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And you want to provide that account number to your customer for them to transfer funds.

shell acorn Mar 17, 2022, 4:52 PM

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then Customer will attached a Bank Account information, correct?

leaden scarab Mar 17, 2022, 4:53 PM

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Let's back up a second.

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Do you want your customers to send you funds, or you want to collect their bank details and then automatically charge that account?

shell acorn Mar 17, 2022, 4:54 PM

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I want to customer send us the funds, that's why I want to use ACH Credit.

leaden scarab Mar 17, 2022, 4:57 PM

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Okay got it.

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Then yes, once you attach the source there will be bank account information associated with the source

shell acorn Mar 17, 2022, 4:59 PM

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I understood that ACH credit, I don't have to do the verification of the bank account (the microdeposit), do I?

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https://stripe.com/docs/ach

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.

leaden scarab Mar 17, 2022, 5:04 PM

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No you do not.

shell acorn Mar 17, 2022, 5:06 PM

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last question for you..

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I think this should be the workflow:

Create a customer
Set bank account number and routing to the customer using bank account tokenization (stripeJs)
Create a source using customer email
Use the sourceID and customerID to do the charge

Am I correct?

leaden scarab Mar 17, 2022, 5:09 PM

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No you are mixing up ACH Debit with ACH Credit

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With ACH Credit you don't collect bank details at all

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ACH Credit means the customer is going to their bank and sending a transfer to a specific account number that you provide them

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ACH Debit means that your customer gives you their bank details (though stripeJS) and then you charge those bank details to debit their account.

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Which are you looking for?

shell acorn Mar 17, 2022, 5:13 PM

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okay, let focus in ACH Credit then...

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Here is a new workflow

Create a customer
Create the source with the customer email and amount
Attach the source to the customer
Make the charge using the sourceId and CustomerId
Am I correct?

leaden scarab Mar 17, 2022, 5:17 PM

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Yes close

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The only problem is that you have to wait for the customer to send the funds between steps 3/4

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Once they send the funds then you charge the source/customer

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Other than that, correct!

shell acorn Mar 17, 2022, 5:19 PM

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okay, make sense

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let me see if I understand it

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How we can link the source after the customer sent us the founds?

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or How the stripe know the source has changed to status "source.chargeable"?

leaden scarab Mar 17, 2022, 5:26 PM

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You would use webhooks to listen for a source.transaction.created event.

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That let's you know a customer sent you funds

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And then you know to charge the customer

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Really though, I'd recommend using Invoices as this simplifies things greatly

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With invoices we will auto-reconcile the sent funds to the invoice and create the charge for you

shell acorn Mar 17, 2022, 5:28 PM

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thank you for you recommendation, but We can't because I am implementing an API from a third party, and they have already implemented a logic, and right now, we are developing the ACH module, with ACH Credits.

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I am trying to understand how the workflow is with ACH Credit in Stripe

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How does the stripe know when the customer sends the funds? because in the process the customer doesn't enter their bank account information.

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Ohh I see https://stripe.com/docs/sources/ach-credit-transfer#customer-action

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Will Stripe give me a virtual bank account after source creation?

late notch Mar 17, 2022, 5:38 PM

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HI 👋 I"m stepping in for @leaden scarab . Give me a minute to catch up

shell acorn Mar 17, 2022, 5:39 PM

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okay

late notch Mar 17, 2022, 6:04 PM

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shell acorn Will Stripe give me a virtual bank account after source creation?

What do you mean by this?

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In this payment flow you provide your customer Routing and Account numbers. These map to a virtual bank account controlled by Stripe. Once your customer has a mapped Source, and they have sent in the funds, you create the charge against the customer and the funds are deposited in your Stripe account

#Carlos-ACH-tokenize