isoaxe-ACH-plaid | Stripe Developers | Page 1

mortal topaz Apr 6, 2022, 3:26 PM

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harsh yoke Apr 6, 2022, 3:27 PM

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mortal topaz Apr 6, 2022, 3:27 PM

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Hello 👋
Give me a moment to catch up here

harsh yoke Apr 6, 2022, 3:27 PM

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Sure.

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I'm using us_bank_account for the type field when creating the PaymentIntent. See here: https://stripe.com/docs/api/payment_methods/create#create_payment_method-us_bank_account

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.

placid oak Apr 6, 2022, 3:30 PM

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the same problem I have. So, I`m able to create bank account source with plaid token, but don't know how to create PaymentMethod.

harsh yoke Apr 6, 2022, 3:31 PM

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I'm not the only one then, haha.

mortal topaz Apr 6, 2022, 3:41 PM

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Server is a little busy today 😅
Taking a look now

placid oak Apr 6, 2022, 3:42 PM

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isn't there any ability to pass plaid token to the payment method create request? something like:

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harsh yoke Apr 6, 2022, 3:46 PM

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I think the stripe_bank_account_token created by the Plaid client is only used to create a new source on the customer object.

finite marsh Apr 6, 2022, 3:49 PM

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Hi both! Jumping in for @mortal topaz here as they need to step away. As you noted, Plaid is for creating tokens and bank account objects. This is for our legacy ACH integration (docs here: https://stripe.com/docs/ach-deprecated). We just recently launched our new ACH integration which uses PaymentMethods and has built in verification! Docs here: https://stripe.com/docs/payments/ach-debit/accept-a-payment. Tl;dr -- you wouldn't use Plaid with PaymentMethods, only with the legacy integration.

placid oak Apr 6, 2022, 3:51 PM

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is there build-in instant verification for ACH or only verification with micro-deposits?

finite marsh Apr 6, 2022, 3:52 PM

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There is instant-verification available with the new integration!

harsh yoke Apr 6, 2022, 3:53 PM

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So is Stripe moving away from Plaid going forward?

finite marsh Apr 6, 2022, 3:55 PM

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The legacy integration still works if you prefer using Plaid, but the new integration will not use Plaid correct.

harsh yoke Apr 6, 2022, 3:58 PM

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I was only using Plaid to take advantage of instant verification. But now that Stripe takes care of that, it seems redundant. I'm assuming it's for that reason that Stripe are no longer working with Plaid in their modern integration.

placid oak Apr 6, 2022, 4:00 PM

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Is there a way to use Stripe`s instant verification for external bank account setup ?

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like here using plaid

finite marsh Apr 6, 2022, 4:05 PM

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No that's not possible today.

harsh yoke Apr 6, 2022, 4:07 PM

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Can I ask is all of this very recent? I could swear that when I started integrating Plaid, it wasn't listed as legacy...

finite marsh Apr 6, 2022, 4:07 PM

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Yes, the new integration launched two weeks ago 🙂

harsh yoke Apr 6, 2022, 4:10 PM

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I'm not going mad then, that's good news! Ok I'll look into that new way of doing things and ditch Plaid if it's becoming legacy.

#isoaxe-ACH-plaid