Faster-ACH | Stripe Developers | Page 1

shrewd sparrow Apr 25, 2022, 7:44 AM

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Hi! Can you share the request ID (req_xxx)? Here's how you can find it: https://support.stripe.com/questions/finding-the-id-for-an-api-request

Finding the ID for an API Request : Stripe: Help & Support

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forest nacelle Apr 25, 2022, 7:49 AM

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Hello jack - req_EW5B8eHCVax0Ao

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@shrewd sparrow

ocean moat Apr 25, 2022, 8:00 AM

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Hi! I'm taking over Tack Tan.

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Since you are using an existing payment method, I think you can remove the payment_method_options and payment_method_types from your request.

forest nacelle Apr 25, 2022, 8:03 AM

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Hello @ocean moat .

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If we remove those parameters, how would system know that it is ACH and not Card transaction.

ocean moat Apr 25, 2022, 8:04 AM

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In your request you set an existing payment method: payment_method: "pm_xxx, so Stripe will use that one which is a bank account.

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Actually you should keep payment_method_types (sorry about the confusion)

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But you should remove payment_method_options

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You can see an example of this here: https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-future-payments

forest nacelle Apr 25, 2022, 8:06 AM

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I used payment_method_options for instant verification.

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We would like to bypass the verification of bank accounts.

ocean moat Apr 25, 2022, 8:09 AM

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But since you already have the payment method, I guess it was already verified? That's why the error message is telling you that

Payment method data is not allowed when payment_method_options[us_bank_account][verification_method]=instant is used
So can you try your request without payment_method_options?

forest nacelle Apr 25, 2022, 8:11 AM

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If i remove payment_method_options, i get status requires_action

ocean moat Apr 25, 2022, 8:11 AM

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OK, give me a few minutes to try to reproduce this.

forest nacelle Apr 25, 2022, 8:12 AM

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Thanks

ocean moat Apr 25, 2022, 8:12 AM

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Also can you share the new request ID?

forest nacelle Apr 25, 2022, 8:13 AM

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@ocean moat - I did this on friday, let me create a new request and send you the id.

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@ocean moat When confirming a PaymentIntent with a us_bank_account PaymentMethod and setup_future_usage, mandate_data is required.

request id = req_t63eGQUACmJNXa

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And this one is from friday where it says requires_action :: req_AwngUGEdyPOzkT

ocean moat Apr 25, 2022, 8:26 AM

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Thanks! And can you retry this request iar_t63eGQUACmJNXa without the setup_future_usage? It's not needed since the payment method is already saved.

forest nacelle Apr 25, 2022, 8:29 AM

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Checking

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@ocean moat This PaymentIntent requires a mandate, but no existing mandate was found. Collect mandate acceptance from the customer and try again, providing acceptance data in the mandate_data parameter.

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req id = req_PZkKtJ1oOQcGdW

ocean moat Apr 25, 2022, 8:34 AM

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I just realised you didn't follow this guide to save the paymet method: https://stripe.com/docs/payments/ach-debit/set-up-payment?platform=web#web-create-setup-intent
The recommended way is to create a SetupIntent, and then confirm it on the frontent with Stripe JS.

forest nacelle Apr 25, 2022, 8:35 AM

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I'm not using Stripe js.

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We are using custom implementation using Stripe APIs

ocean moat Apr 25, 2022, 8:40 AM

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Got it, give me a few more minutes (sorry for the wait, I'm not really familiar with the new ACH payment method)

forest nacelle Apr 25, 2022, 8:42 AM

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No worries. I understand that stripe just rolled out PaymentIntent for ACH. No one has all the info readily available. 🙂

ocean moat Apr 25, 2022, 8:46 AM

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So the last error message means that the PaymentIntent request is missing a mandate. So you would need to pass this extra information: https://stripe.com/docs/api/payment_intents/create#create_payment_intent-mandate_data

forest nacelle Apr 25, 2022, 8:49 AM

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Checking

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@ocean moat Status is requires_action

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request id = req_iJrnmp9bXXIwq0

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@ocean moat ?

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anyone around 😦

compact basin Apr 25, 2022, 9:05 AM

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hi @forest nacelle, @ocean moat is no longer available I will take over for him

forest nacelle Apr 25, 2022, 9:05 AM

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thanks @compact basin

compact basin Apr 25, 2022, 9:05 AM

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just give me a few minutes to get up to speed

forest nacelle Apr 25, 2022, 9:05 AM

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Please review the request id req_iJrnmp9bXXIwq0

compact basin Apr 25, 2022, 9:09 AM

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ok now I'm up to speed

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as I can see from the request your Payment Intent was created successfully

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the status is requires_action so if we take a look at the next_action you can see that what you should do next is a microdeposit verification using next_action.verify_with_microdeposits.hosted_verification_url that you should be redirecting towards

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does that solve your issue?

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let me know if you need any more help

forest nacelle Apr 25, 2022, 9:33 AM

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Sorry, I was in a meeting.

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Let me try

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@compact basin we want to skip the micro deposit part.

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or do the microdeposit via api

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but that api needs bank account id, which is not returned by stripe. How do i fetch that?

compact basin Apr 25, 2022, 9:40 AM

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usually to handle your situation you should be using Stripe.js on the frontend so your Customer will directly log in with their bank and verify the payment, that's the default and recommended integration. verifying using microdeposits is a fallback and a bit more complicated to accomplish and will also need the customer's interaction

forest nacelle Apr 25, 2022, 9:40 AM

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We are not using stripe js.

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We are using Stripe APIs

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to tailor a customised solution

compact basin Apr 25, 2022, 9:41 AM

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Yes but the server side code is not enough to fully integrate with Stripe

forest nacelle Apr 25, 2022, 9:42 AM

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I've done this using charge API. But stripe just rolled out PaymentIntent for ACH and we are implementing this

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In our live account, we have micro deposit verification disabled.

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Can you check if you can get this disabled for my account?

compact basin Apr 25, 2022, 9:48 AM

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Ok so basically we have two options to help you here, one is basically what I said earlier regarding the microdeposit but I will try to explain it depth, the other is to write to our support https://support.stripe.com/?contact=true to see if you're eligible to skip the microdeposits

Stripe: Help & Support

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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so I prefer to explain the microdeposit flow in all cases, in case you're not eligible to skip the microdeposits.

forest nacelle Apr 25, 2022, 9:52 AM

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I'ld like to know more.

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I've pinged the stripe support for the same

compact basin Apr 25, 2022, 9:53 AM

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I'ld like to know more.
yes sorry! sure!

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Basically once a microdeposit is needed (in your case) it will be automatically done, this will generate a microdeposit with an amount that will be seen by the customer on their banking statement. you then need to send the customer the URL you can find in next_action.verify_with_microdeposits.hosted_verification_url which will ask the customer to put the exact amount that was seen on their banking statement. If the amount is correct the account will be verified and the PaymentIntent will pass the microdeposit state to be confirmed

forest nacelle Apr 25, 2022, 9:57 AM

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okay

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Understood.

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But we don't want to get this micro deposit thing.

compact basin Apr 25, 2022, 9:58 AM

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then fingers crossed that you are eligible for skipping microdeposits 🤞

forest nacelle Apr 25, 2022, 10:01 AM

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Thanks 🙂

compact basin Apr 25, 2022, 10:02 AM

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let me know if you need any more help

forest nacelle Apr 25, 2022, 10:05 AM

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Sure. Thanks

#Faster-ACH