FasterThanFlash-acss | Stripe Developers | Page 1

supple tusk Apr 5, 2022, 1:00 PM

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I can try, what's the question exactly?

queen berry Apr 5, 2022, 1:01 PM

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Hey @supple tusk . What are the params that I should use to create Payment method for ACSS? The same ones used for ACH PaymentIntent?

supple tusk Apr 5, 2022, 1:02 PM

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I'm not sure what parameters you used for ACH. The guide is https://stripe.com/docs/payments/acss-debit/accept-a-payment

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it's unfortunately more manual/different than ACH

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ACH works with our PaymentElement drop-in form component, or our hosted redirect Checkout page, ACSS does neither of things unfortunately (https://stripe.com/docs/payments/payment-methods/integration-options#payment-method-product-support)

queen berry Apr 5, 2022, 1:03 PM

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I've checked this guide. We are implementing the APIs and not using stripe js.

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This guide does not provide details on what parameters should be passed.

supple tusk Apr 5, 2022, 1:04 PM

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yeah, because in general you should never be calling these APIs directly and should be using our documented frontends, so it's an advanced use case to do this directly.

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but it's mostly the same as what you might have done already, you use /v1/payment_methods and the params are https://stripe.com/docs/api/payment_methods/create#create_payment_method-acss_debit and then you confirm a PaymentIntent with that PaymentMethod

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I think there's more to it since there are mandates and verification involved(for which you want to use the fields inside of https://stripe.com/docs/api/payment_intents/confirm#confirm_payment_intent-payment_method_options )

queen berry Apr 5, 2022, 1:06 PM

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I'm developing a product which will be using Stripe APIs. Stripe users can use this product for plug and play automations. So this is the reason I need to implement APIs directly and not use the Stripe js. There are many scenarios which are not possible using the js

supple tusk Apr 5, 2022, 1:06 PM

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there's unfortunately no guide/document I can link you to

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I see no reason why what you said requires you to not use stripe.js to be honest

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I have to run, sorry, @floral talon will take over

queen berry Apr 5, 2022, 1:07 PM

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Okay. Np

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I think https://stripe.com/docs/api/payment_methods/create#create_payment_method-acss_debit this will do

Stripe API reference – Create a PaymentMethod – 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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Hey @floral talon 🙂

floral talon Apr 5, 2022, 1:07 PM

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HI 👋

queen berry Apr 5, 2022, 1:08 PM

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I'll ping you if I have more questions. I think I'm good for now.

floral talon Apr 5, 2022, 1:08 PM

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Sounds good 👍

queen berry Apr 5, 2022, 1:46 PM

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Hey @floral talon - I'm unable to find test data for ACSS.

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https://stripe.com/docs/api/payment_methods/create#create_payment_method-acss_debit

Stripe API reference – Create a PaymentMethod – 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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Can you provide some test data please

floral talon Apr 5, 2022, 1:50 PM

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Sure, test data is in the document that my teammate linked earlier, this section specifically:
https://stripe.com/docs/payments/acss-debit/accept-a-payment?platform=web#web-test-integration

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.

queen berry Apr 5, 2022, 1:51 PM

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oops. I missed this

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Apologies 🙂

floral talon Apr 5, 2022, 2:00 PM

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No worries!

queen berry Apr 5, 2022, 2:12 PM

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Hey @floral talon - please review this request. req_76EVr7MXR8frJ6

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I'm getting missing param request. I don't see this param in documentation

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Please disregard. I found it

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@floral talon - I was able to make a successful transaction. req_mRrUzdXLIAtEI8

Status says - requires confirmation. Who is going to confirm and how? Do we need to implement webhooks for the response? Is there any way to have successful response for test?

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We do not want to verify using micro deposits or anything

floral talon Apr 5, 2022, 2:23 PM

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requires_confirmation is the second state that a payment intent goes into, though normally most of our flows kind of skip it:
https://stripe.com/docs/payments/intents

I've not personally worked with ACSS, so I don't know if you can successfully do server-side confirmation for those or if you'll need to use Stripe JS:
https://stripe.com/docs/api/payment_intents/confirm

How intents work

Learn about the status and lifecycle of PaymentIntents and SetupIntents.

Stripe API reference – Confirm a PaymentIntent – 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.

queen berry Apr 5, 2022, 2:25 PM

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We can not use stripe js. We need to process scheduled transactions as well.

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In which case does the transaction goes to requires_confirmation state?

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Maybe i used some param that led to this state?

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Possible for you to check the request? Please 🙂

floral talon Apr 5, 2022, 2:31 PM

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You created a Payment Intent and provided it with a Payment Method, so as mentioned in the "How intents work" doc, the next state that the intent transitions to is requires_confirmation. At that point you need to confirm the intent.

queen berry Apr 5, 2022, 2:32 PM

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Let me check again 😢

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@floral talon Check this please - req_Vo3RIHO9HcxSf2

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A mandate is required. Please either provide the id of an existing mandate on confirmation, or provide payment_method_options[acss_debit][mandate_options]

supple tusk Apr 5, 2022, 2:45 PM

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as it says, you need to pass details of mandate acceptance to the parameter it mentions

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it's in the API reference (https://stripe.com/docs/api/payment_intents/confirm#confirm_payment_intent-payment_method_options that I linked earlier)

queen berry Apr 5, 2022, 2:46 PM

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Hey @supple tusk - Do i need to pass mandate options in confirm call as well?

supple tusk Apr 5, 2022, 2:46 PM

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you pass it when confirming the PaymentIntent

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confirming the PaymentIntent is what processes the payment

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you can confirm the PI by either passing confirm:true when creating the PaymentIntent(if you can provide all the information on the payment method upfront in that same request), or by calling the /v1/payment_intents/pi_xxx/confirm endpoint linked above

queen berry Apr 5, 2022, 2:47 PM

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BINGO

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Confirm = true

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that's what I was missing

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thanks 😢

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I tried with confirm = true. Earlier payment intent was returning requires_confirmation. But now its returning me the same error - A mandate is required. I've already provided the mandate details in the request body

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req_SXERNA0ciPBKXv

supple tusk Apr 5, 2022, 2:53 PM

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you need to pass mandate_data at the top level as well as far as I know https://stripe.com/docs/api/payment_intents/confirm#confirm_payment_intent-mandate_data

queen berry Apr 5, 2022, 2:53 PM

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Let me try

supple tusk Apr 5, 2022, 2:53 PM

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not really sure, I've never used this and nobody really integrates this way

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but yeah, you need mandate_data, since mandate_options is just context on what type of mandate the customer accepted, you need mandate_data to indicate that the customer actually accepted it, by supplying their IP address/timestamp

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note you need to actually show the customer the mandate to be regulatory compliant (https://stripe.com/docs/payments/acss-debit/custom-pad-agreement#mandate-agreement-requirements)

queen berry Apr 5, 2022, 2:56 PM

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Understood.

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I'll try few things tomorrow and let you know. 🙂

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Thanks for the help

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Really appreciated

supple tusk Apr 5, 2022, 2:57 PM

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can you explain again why you can't use stripe.js? Lots of people write plugins and platforms and use our frontends.

queen berry Apr 5, 2022, 2:57 PM

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We are not integrating stripe on frontend.

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We store the data, then charge customer based on rules that are triggered by events

supple tusk Apr 5, 2022, 2:58 PM

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why not though? you do have a frontend, since you need to collect payment information from the end-customer. Why not use Stripe there? If you're accepting cards in that frontend and not using Stripe, then you need to be PCI compliant as well and file a SAQ D, are you prepared for that?

queen berry Apr 5, 2022, 2:58 PM

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For ex - charge the downpayment when document is signed.

supple tusk Apr 5, 2022, 2:58 PM

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queen berry For ex - charge the downpayment when document is signed.

cool, I mean, we support that completely

queen berry Apr 5, 2022, 2:58 PM

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PCI compliant is handled

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So you guys support timely and scheduled payments?

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Please provide some documentation, I'll try to rearchitect the whole application if possible.

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Or maybe in next phase

supple tusk Apr 5, 2022, 3:00 PM

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queen berry So you guys support timely and scheduled payments?

yes , in multiple ways.

For example we're talking about ACSS.
You'd use our frontends to collect the bank details of the end customer and save them without charging them today : https://stripe.com/docs/payments/acss-debit/set-up-payment

then you charge them later by creating a PaymentIntent on the backend server at a later time : https://stripe.com/docs/payments/acss-debit/set-up-payment?platform=web#reusing-a-payment-method-with-an-existing-authorized-mandate

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same applies to ACH, you use our frontend to collect payment details and mandate acceptance : https://stripe.com/docs/payments/ach-debit/set-up-payment
and charge them later with a direct server call : https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-future-payments

queen berry Apr 5, 2022, 3:01 PM

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Perfect.

supple tusk Apr 5, 2022, 3:01 PM

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same works for cards, and we have APIs for recurring subscription payments and other things

queen berry Apr 5, 2022, 3:01 PM

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I'll check tomorrow for sure 🙂

#FasterThanFlash-acss