Vijay - ach debit | Stripe Developers | Page 1

modern abyss Apr 13, 2022, 2:01 PM

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Hello. One moment

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To confirm, are you trying to collect ACH Debit payments from customers and receive the amount in your stripe user's connect account balance?

frail plume Apr 13, 2022, 2:05 PM

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Yeah, exactly. Is that possible?

modern abyss Apr 13, 2022, 2:09 PM

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Yeah if it's enabled: https://support.stripe.com/questions/accept-payments-from-bank-accounts-using-ach-direct-debits

Accept payments from bank accounts using ACH Direct Debits : Stripe...

Find help and support for Stripe. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

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And: 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.

frail plume Apr 13, 2022, 2:37 PM

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Thanks but I think I should explain this again

So I implemented the same as you mentioned above, but what I want to do is:

When the ACH debits then the amount goes on our Product's Platform account. (Correct me I'm wrong here)
So I want to transfer the ACH amount in a normal user's Connect Account directly without holding it.

hollow coral Apr 13, 2022, 2:40 PM

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That sounds like you want to be using Destination charges to create the transfer automatically:
https://stripe.com/docs/connect/destination-charges

Creating destination charges on your platform

With Connect, you can create charges on your platform account, take fees, and then transfer remaining funds to your connected accounts.

frail plume Apr 13, 2022, 3:11 PM

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Yeah you're right. Thanks! that's what I was looking for.

So I can create two charges here

Amount to pay user
Service charge to us

Would be right flow?

hollow coral Apr 13, 2022, 3:16 PM

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You don't need to create two payments -- destination charges allow you to define a portion to be kept for your platform as the application_fee:
https://stripe.com/docs/connect/destination-charges#application-fee

Creating destination charges on your platform

With Connect, you can create charges on your platform account, take fees, and then transfer remaining funds to your connected accounts.

frail plume Apr 13, 2022, 3:46 PM

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Ok Thanks

#Vijay - ach debit