#k3davis - ACH payments

1 messages · Page 1 of 1 (latest)

gray maple
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Hello, what is your question?

frozen wave
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sorry, i didn't want to try to elaborate in the main thread 🙂 the short version of the question is, if we were to create ACH payment methods in Stripe that were already NACHA validated by another service, would those payment methods be subject to any further validation in Stripe before they could be used for payments?

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and i can give more context if needed

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by "create in stripe" i'm referring to payment method APIs

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kind of like we can attest to the fact that the account information has been validated properly during a migration/import, we want to know if we can do that on an ongoing basis instead of using the microdeposit or bank credentials methods that are user-interactive.

eternal pewter
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hey, I'm taking over for @gray maple

frozen wave
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i see you are all very busy, thanks for hanging in there haha

eternal pewter
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how are you migrating/importing the ACH payment methods?

frozen wave
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the migration "team" or whatever they are called will import all the ACH we currently have that have already been validated (or were from before validation was enforced). So that part is straightforward on my side though i dont knwo technically how they do the migration/import

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i'm asking about accomplishing the same thing transactionally, adding new ACH that have already been externally validated

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i see i can do it in the paymentmethod api, but i don't know if stripe enforces any other validation when that technique is used

eternal pewter
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the migration "team"
you mean in your company?

frozen wave
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no, within stripe

eternal pewter
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I'm looking into this, but I guess the best answer you might be able to get is with that team

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your question is a valid concern but I think it's a bit out of scope of what we usually do help with in this channel

frozen wave
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but i'm not asking about the migration, i only used that as a point of comparison. my question is technical; if i add an ACH through the paymentmethod api (instead of using financial connections etc.), is it subject to additional validation before it can be used to charge. we want to use a third party validation service for nacha compliance.

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if you still think i should ask the migration folks that question, i can, but it sounds like it isn't their wheelhouse

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i can also just email support if that is better 🙂

eternal pewter
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If you use the PaymentMethod API it will treat the ACH account the same way as a new "non-validated" account

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I'm not familiar of any way of skipping the validation per se. I'm checking with my colleagues but I won't promise a tangible answer

frozen wave
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alright. we have an issue here because our use case calls for backend validation (database or prenote methods) as opposed to user interactive techniques like microdeposits or bank credentials, which appear to be the only validation methods stripe supports

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if we must use stripe frontend ach validation, then we can't use stripe for ach, basically.

eternal pewter
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I checked with my colleagues and it seems there is something that could be done in that sense but you need to contact support https://support.stripe.com/?contact=true in order to see your eligibility for this.

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.

frozen wave
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oh, great! i'll reach out to them. thanks for your efforts

eternal pewter
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let me know if you need any more help