FasterThanFlash-ach | Stripe Developers | Page 1

lean wren Apr 1, 2022, 10:53 AM

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Hello!

Do we need to make any changes to the ongoing integration?
I'm not sure what this means. What is 'ongoing integration'?
Does ACH works in Canada?
No: https://stripe.com/docs/payments/ach-debit

ACH Direct Debit payments

Learn how US-based businesses can accept payments with ACH Direct Debit.

last rune Apr 1, 2022, 10:57 AM

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lean wren Hello! > Do we need to make any changes to the ongoing integration? I'm not sure...

Our ongoing integration includes charging the customers based on the payment method. "Bank" or "Credit Card".

For Credit Cards, we are creating "Payment Intent" and for Bank we are creating "charge".

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How do we provide our customers ability to pay via bank account in canada?

lean wren Apr 1, 2022, 11:00 AM

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You shouldn't use the Charges API, we actually just re-wrote ACH to support Payment Intents: https://stripe.com/docs/payments/ach-debit/accept-a-payment

Accept an ACH Direct Debit payment

Build a custom payment form or use Stripe Checkout to accept payments with ACH Direct Debit.

lean wren Apr 1, 2022, 11:01 AM

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last rune How do we provide our customers ability to pay via bank account in canada?

You'd use ACSS: https://stripe.com/docs/payments/acss-debit

Pre-authorized debit payments in Canada

Learn how to accept pre-authorized debit payments in Canada.

last rune Apr 1, 2022, 11:02 AM

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lean wren You shouldn't use the Charges API, we actually just re-wrote ACH to support Paym...

Okay. So ACH can be made via payment intent now correct?

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I'll update the code to use payment intent api

lean wren Apr 1, 2022, 11:03 AM

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Yep, exactly!

last rune Apr 1, 2022, 11:03 AM

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Does it works the same way as with credit card?

lean wren Apr 1, 2022, 11:03 AM

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What do you mean?

last rune Apr 1, 2022, 11:05 AM

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For credit cards, we need to first generate payment method token and then pass that to payment intent API to make the transaction.

For Bank Accounts, We were first creating token, link token with customer api and then use the charge api to make the transaction.

lean wren Apr 1, 2022, 11:10 AM

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For credit cards, we need to first generate payment method token and then pass that to payment intent API to make the transaction.
Well, that's generally a little different to what we recommend

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But that will work for ACH with Payment Methods/Payment Intents, yes. See: https://stripe.com/docs/payments/ach-debit/accept-a-payment

Accept an ACH Direct Debit payment

Build a custom payment form or use Stripe Checkout to accept payments with ACH Direct Debit.

last rune Apr 1, 2022, 11:41 AM

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Let me check

last rune Apr 1, 2022, 12:07 PM

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lean wren > For credit cards, we need to first generate payment method token and then pass...

This was recommended by Stripe developer support. If there's an efficient way, please let me know.

lean wren Apr 1, 2022, 12:08 PM

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Generally you'd create the PI, then capture payment details and confirm with Stripe.js

last rune Apr 1, 2022, 12:10 PM

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We are not using js library to charge

cursive current Apr 1, 2022, 12:18 PM

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Hi! I'm taking over ynnoj.

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Can you summarize your question while I catch up?

last rune Apr 1, 2022, 12:34 PM

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Hello @cursive current .

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We were using Charge API to process ACH payments.

@lean wren told me that Payment Intent API now supports ACH transactions.

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I'm trying to find the best possible way to charge

cursive current Apr 1, 2022, 12:37 PM

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If you are using PaymentIntents, then we recommend doing this:

Create the PaymentIntent on the backend
Retrieve the PaymentIntent client secret and send it to the frontend
Use the PaymentElement on the frontend with the client secret to collect the payment information
Then confirm the PaymentIntent on the frontend
Note that it's the same for cards and ACH transactions.

last rune Apr 1, 2022, 1:38 PM

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We are not using stripe js

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A batch job will be charging people automatically as well. So there are multiple scenarios that's why we decided to go with custom implementation instead of using stripe js

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For Cards we are doing it like this -

Create Customer token, Create payment payment method and then create payment intent.
Is there any other way to use stripe without using stripe js?

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@cursive current Apologies for the late response.

buoyant crag Apr 1, 2022, 1:42 PM

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Taking over for soma here as they had to step out. Give me a moment to catch up

last rune Apr 1, 2022, 1:42 PM

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@buoyant crag Sure. 🙂

buoyant crag Apr 1, 2022, 1:44 PM

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Ok. How are you collecting their payment info?

last rune Apr 1, 2022, 1:46 PM

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We have a screen to capture the payment details, customers can reuse the same payment method and schedule payments as well. All of that is configured

buoyant crag Apr 1, 2022, 1:47 PM

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Got it. Ok one moment

last rune Apr 1, 2022, 1:47 PM

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We have implemented "setup_future_usage=off_session" for the same.

buoyant crag Apr 1, 2022, 2:00 PM

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If you aren't charging the customer while they're on-session, you can do separate auth and capture

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Confirm the payment intent on-session but don't capture until later

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Other option is to just start with a SetupIntent and to set up future payments. That way you can just create PaymentIntents with that PM when you want

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But your current flow should suffice I believe

last rune Apr 1, 2022, 2:08 PM

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Sure

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let me recheck everything

last rune Apr 1, 2022, 2:36 PM

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@buoyant crag Same steps would work for ACH as well?

night lion Apr 1, 2022, 2:39 PM

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codename_duchess had to step out. Catching up here quickly...

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Yes, that flow will be the same with an ACH PaymentMethod

last rune Apr 1, 2022, 2:44 PM

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hey @night lion Thanks. 🙂

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@night lion May you please provide me heads up on how to handle these payments? https://stripe.com/docs/payments/acss-debit

Pre-authorized debit payments in Canada

Learn how to accept pre-authorized debit payments in Canada.

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ACSS?

night lion Apr 1, 2022, 2:49 PM

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As in how to do a hold with an ACSS PaymentMethod? That would also be the same process after the setup

last rune Apr 1, 2022, 2:50 PM

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So what's the difference?

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We are not using setupIntent

night lion Apr 1, 2022, 2:57 PM

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I am not sure I understand the question, can you rephrase? Are you asking how to take ACSS payment without a SetupIntent? We have a guide for that here: https://stripe.com/docs/payments/acss-debit/accept-a-payment

Accept a Canadian pre-authorized debit payment

Build a custom payment form or use Stripe Checkout to accept payments with pre-authorized debit in Canada.

last rune Apr 1, 2022, 3:03 PM

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I need steps to take acss payment. Like for ACH, we create payment method and then payment intent. How do we process acss? The same way?

night lion Apr 1, 2022, 3:08 PM

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It will be pretty similar. One difference from other methods is that ACSS will go to pending for a significant amount of time instead of just going to suceeded but otherwise creating the PI and collecting the details on your page will be pretty similar. Is the guide that I just linked to what you are looking for?

last rune Apr 1, 2022, 3:10 PM

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That makes sense

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I'm still not sure how would still figure out whether its acss or ach ?

night lion Apr 1, 2022, 3:14 PM

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As in whether to try to confirm those details as ACSS or ACH?

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I think for our pages like checkout, we allow the user to chose ACSS or ACH and then input their details

last rune Apr 1, 2022, 3:17 PM

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but we are not using the stripe js

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this is a custom built system

night lion Apr 1, 2022, 3:28 PM

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Still looking at this, just got a bit busy with other threads. Checking in to what we do for this now...

last rune Apr 1, 2022, 3:30 PM

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Yes please. My shift is over 1 hour ago. I need to leave now.
If you find an answer, please post it here and I'll check monday morning./

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Have a great weekend!!

night lion Apr 1, 2022, 3:30 PM

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Yeah, we just let customers choose which they want to set up

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We do not try to automatically determine it. The user should know which one they need to set up with

last rune Apr 1, 2022, 3:31 PM

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Okay got it.

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Hey thanks @night lion for your time.

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Really appreciated !!

night lion Apr 1, 2022, 3:50 PM

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If course, always happy to help!

#FasterThanFlash-ach