Vijay-ACH | Stripe Developers | Page 1

upper sail Apr 11, 2022, 10:11 AM

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Hi! So you want to save ACH payment details for future usage? We have a guide covering this in details: https://stripe.com/docs/payments/ach-debit/set-up-payment

stone girder Apr 11, 2022, 10:15 AM

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Thanks for responding Soma,
But this document is quite confusing to me...
I've been looking this document for 3-4 days back.

Can I get the steps or API names please?
It'll be more easy for me.

upper sail Apr 11, 2022, 10:19 AM

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Happy ot help! Where exactly are you having issues? And which integration are you using (customer payment form, prebuild Checkout page, etc)?

stone girder Apr 11, 2022, 10:29 AM

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Yeah just after the
#3 Create a SubIntent
https://stripe.com/docs/payments/ach-debit/set-up-payment#web-create-setup-intent

upper sail Apr 11, 2022, 10:33 AM

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So did you manage to creat the setupintent on the backend?

stone girder Apr 11, 2022, 10:35 AM

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Yes

upper sail Apr 11, 2022, 10:36 AM

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Great! Next step is get the client_secret from the SetupIntent, send it to the frontend, and use Payment Element to collect payment details.

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Note that this would be a lot simpler if you used the prebuilt Checkout Session, as explained here: https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=checkout

stone girder Apr 11, 2022, 10:38 AM

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Yeah I tried this one too... will try again come back to you

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Thanks

upper sail Apr 11, 2022, 10:38 AM

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Yes we recommend using Checkout Session because it's simpler to use.

stone girder Apr 11, 2022, 11:04 AM

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Oh You mean by only this page, I can implement the ACH?

upper sail Apr 11, 2022, 11:09 AM

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I'm not sure I understand your question. You can save ACH payment in 2 main ways:

SetupIntent + Payment Element
Or Checkout Session
We usually recommend using Checkout Sessions

stone girder Apr 11, 2022, 11:10 AM

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So in the Checkout session, can I list the Cards again for the next time?

upper sail Apr 11, 2022, 11:13 AM

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No, the Checkout Session will allow you to save the ACH information on the customer. Then later, if you want to charge the customer you just have to create a PaymentIntent with the saved payment method, as shown here: https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-future-payments

stone girder Apr 11, 2022, 11:14 AM

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ohhk, So for next ACH payment: User will have to fill the card details again?

upper sail Apr 11, 2022, 11:24 AM

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No, sorry if I wasn't clear.
First, you collect the payment details and save them to the customer, with a Checkout Session or a SetupIntent.
Then, you can charge the payment method by creating a PaymentIntent, and here you don't need to collect the payment information again.

stone girder Apr 11, 2022, 11:38 AM

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Yeah I got you... but I'm talking about next ACH Payment Intent...

upper sail Apr 11, 2022, 11:40 AM

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Yes exactly. First save the payment method (by collecting payment informaiton). Then creatie a new payment intent with the existing payment method.

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You can see here, we create a PaymentIntent with an existing payment_method
https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-future-payments

stone girder Apr 11, 2022, 12:58 PM

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stone girder Yeah I got you... but I'm talking about next ACH Payment Intent...

This all make sense to me.
I'm sorry, let me repeat once again

"If a user come first time and does the process as you said (Save payment method and Creating a Payment Intent)"
What if same user come again and want to payment for us, it'll be second Payment, So how user able to view his previously added card (Card which added in #1)?
Or User needs to add card again for the second payment also.

ionic scaffold Apr 11, 2022, 1:02 PM

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Are you using Checkout or your own custom flow? Not clear from message history

stone girder Apr 11, 2022, 1:05 PM

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Yes, we want to save the card to the user for the next transaction if possible

ionic scaffold Apr 11, 2022, 1:06 PM

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But which payment UI are you using?

stone girder Apr 11, 2022, 1:08 PM

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Not any UI yet, but as Soma said prebuilt Checkout Session will be easier if we use...

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violet geode Apr 11, 2022, 1:34 PM

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Hi 👋 stepping in as my teammate needed to step away. You cannot have future Checkout Sessions prepopulate with existing ACH payment method information, though this functionality does exist for card payment methods and is talked about more here:
https://stripe.com/docs/payments/accept-a-payment?platform=web&ui=checkout#handling-existing-customers

If you've already collected and saved the information for a payment method, then there isn't really a need to send your customer through the checkout process again.

Accept a payment

Securely accept payments online.

stone girder Apr 11, 2022, 1:38 PM

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Yeah that's make sense to me...
But in our product User can do payments multiple time (just like shopping).

And another thing is
Is the below process is not ACH?
https://stripe.com/docs/payments/save-and-reuse#retrieve-setup-intent

violet geode Apr 11, 2022, 1:42 PM

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Yes, that guide is not ACH specific.

stone girder Apr 11, 2022, 1:57 PM

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Is there any UI or need to FE for
https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=checkout

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Coz I'm not found any Add Card UI or FE integration in it

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How to save a card for

violet geode Apr 11, 2022, 2:07 PM

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Sorry, I'm not understanding the question. Let's take a step back, what is it that you're hoping to achieve?

stone girder Apr 11, 2022, 2:18 PM

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Ohk
I want to integrate ACH Debit payments into our product (which is specially future transactions, after 5-30 days).

Then Soma suggest me to use this:
#963017383906279424 message

Now my question is how to get Add a Card UI element for FE to save the card details?

violet geode Apr 11, 2022, 2:20 PM

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What are you referring to by "FE"?

stone girder Apr 11, 2022, 2:23 PM

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Front End (Client side)

violet geode Apr 11, 2022, 2:25 PM

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And are you still planning to do this via Checkout Sessions? Or you own UI?

stone girder Apr 11, 2022, 2:30 PM

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by our own UI

violet geode Apr 11, 2022, 2:32 PM

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Gotcha, then you'll want to look at the Custom payment form tab in the document that you linked to earlier:
https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web

Save details for future payments with ACH Direct Debit

Learn how to save payment method details for future ACH Direct Debit payments.

#Vijay-ACH