#amandamc4 - API Questions
pure tide
Hi Pompey, thanks for helping! First, I was reading that Stripes verifies the client by either having them signing in to their bank account (using Stripe client ) or by microtransactions. Is there any other way? Specially not using the client side library?
ionic ingot
How are you looking to verify these without the client facing library? Do you mean like with a Stripe-hosted webpage?
pure tide
possibly only sending info through the back end
ionic ingot
Not immediately sure but I am checking in to it. If possible, that will have far higher regulatory requirements for you than using our library/pages to collect that info.
Are you looking to see some of the data after it has been collected? Or is the end goal itself to have all of it on your side?
pure tide
I think for some regulatory rules my company doesn't want to allow clients to login to their bank accounts.
In case we do use the library, it says in the doc that the user can 'opt out' of signing in with the bank account (by closing) and in this case Stripe would send 2 microtransactions. Is there a way to disable this part then ? To force the user to sign in and if they close the modal then just fail the paymentIntent ?
ionic ingot
If you can, I would recommend talking to our support team about that regulatory requirement and if standard collection methods would meet it. They should be able to speak to that aspect of this. https://support.stripe.com/?contact=true
Checking in to if you can disable the micro-deposits as well
pure tide
Thank you!
ionic ingot
And yes, you can create a bank account directly on our back end https://stripe.com/docs/api/customer_bank_accounts/create#customer_create_bank_account
Also our support can speak to any regulatory implications that may have. Apologies but as you can probably tell, I don't know much on that side of things
I am still looking in to if it is possible to disable microdeposits for verification. I have not been able to find a doc on it but am reaching out to my colleagues and will get back to you with what we find.
pure tide
No worries, I am definitely going to contact support! Thank you I will be waiting for your finding! Last question, I want to test the API but seems like I have to register - if I register is it considered a Business account? Will I be charged ? I just want to test as a developer to see how it works for us
ionic ingot
You should be able to test our API for free. Have you already created an account? If so you should just be able to switch over to Test mode and click on the "Developer" section to see your test mode API keys. You shouldn't need to provide business data or pay us any money to be able to use our API in Test mode. This would be best as you get to work with your own test keys and data.
Otherwise, you can look at our docs while not logged in, we actually include a secret key for a dummy account and you can make calls with it to see the expected results https://stripe.com/docs/api/
pure tide
Cool, I will register then! Thank you so much for all the help!! 😁
ionic ingot
To confirm, are you looking at this ACH guide and talking about skipping those micro-deposits? https://stripe.com/docs/payments/ach-debit/accept-a-payment
Those can be skipped but it needs to be specifically enabled on your account which is another thing to ask our support about.
pure tide
Similar, this one https://stripe.com/docs/payments/acss-debit
I think it would be the same then, specifically enabled on my account. I will add that to ask them!