Village_Admin - Bank debits in checkout

[crude vessel]

Ive setup checkout session for credit cards, but i do not see bank options on the checkout page.

[sharp thorn]

Hi, taking a look here.

[kind knot]

Did you include it within the "payment_method_types" parameter when creating a session? 🙂

[crude vessel]

No, i dont include any payment types (not even the credit cards), i rely on dashboard setting defaults.

[sharp thorn]

What payment methods have you enabled on the Dashboard? Can you share your account_id so I can further assist? As far as I know, you should not have to do anything additional but will confirm

[crude vessel]

Where on dashboard does it display my account id?

[sharp thorn]

It should be under Profile > scroll down to find the acct_ id

[worn jetty]

Hi there 👋 jumping in as my teammate needed to step away. Please bear with me a moment while I get caught up on the context of the thread.

Alright, so I understand that you're trying to get some bank payment methods set up. Is there one in particular that you're focused on?

[crude vessel]

No, i just activated all of them just in the spirit of having more payment options.

I have credit cards working, i have webhooks working. Now im just trying to add on more payment options.

[worn jetty]

Gotcha. So I started looking at the ACH Debit flow first, and it looks like that option isn't appearing because it's currently not available for Checkout Sessions that are in subscription mode.

[crude vessel]

In the dashboard i see banks in two categories, bank redirects and bank debits. Is "ACH debit flow" referring to the bank debits where you get payment notification days later? Or does what you said pertain to all banks redirects and debits?

Are you saying no bank options are available for checkouts in subscription mode?

[worn jetty]

ACH Direct Debit is a specific type of Bank Debit payment method. You can see it and the others listed here:
https://stripe.com/docs/payments/bank-debits

I've only checked ACH Direct Debit
https://stripe.com/docs/payments/ach-debit/accept-a-payment#:~:text=Subscription mode%3A Not yet

and BECS Direct Debit
https://stripe.com/docs/payments/au-becs-debit/accept-a-payment#:~:text=Subscription mode%3A No

but that seems to be the pattern so far.

[crude vessel]

When you say "that" is the pattern. Do you mean "that" being you can't use any bank payment options on a subscription checkout?

And for using bank payments in general, are you (me) supposed to collect customer banking info yourself (on my site) and then send those details to stripe?

[worn jetty]

Yes, that is what I was saying, apologies for the ambiguous wording. But after going through the rest I see that SEPA Direct Debits work with checkout+subscriptions:
https://stripe.com/docs/payments/sepa-debit/accept-a-payment#:~:text=Subscription mode%3A Yes

It looks like Canadian Pre-authorized Debit (PAD) may also support it, though you'll need to talk with our support team for further details:
https://stripe.com/docs/payments/acss-debit/accept-a-payment#:~:text=Subscription mode%3A Contact us

[worn jetty]

No, typically use one of our flows to collect them so you don't have to take on the compliance burden that comes with handling that type of information. You'd use either one of our hosted flows (such as Checkout Sessions) or Stripe Elements (Stripe hosted forms that you put on your site)
https://stripe.com/payments/elements

[crude vessel]

I feel like im not connecting on the same wave length as you. Let me start over...

How come im not seeing any of these...

Or these....

Here?

Because based on the dashboard preview, it shows they should be here...

[worn jetty]

I'd suggest you take a look at the "Accepting an XXX payment" page for each payment method. They list the requirements in order to use those.

For example:
Bancontact isn't appearing because:

1. You're using subscription mode for your checkout sessions
2. Your presentment currency is usd but Bancontact requires eur
   https://stripe.com/docs/payments/bancontact/accept-a-payment

Since you're using Checkout Sessions you'll want to check the Prebuilt Checkout page section of each document

[crude vessel]

Oh. I assumed stripe just converts to local currency, like how credit cards work. If someone in the EU uses their credit card, they get charged in EUR the equivalent of the USD amount.

...Im looking over the accept-a-payment pages now

Okay, so all of the UE based bank options require working in EUR currency, and the USA based banks wont work with subscriptions.

Thank you, im done with this thread, you can close it.