#Peter Boyd-connect
merry lichen
There isn't any way around this - that's how Connect works. We create a Stripe Account for the user, so they need to sign up with stripe
keen folio
As a user: the Stripe account holds all of the verified information required by KYC and AML - Stripe is required by law to verify and maintain this information.
odd jolt
hmm, so the only alternative would be to use a "custom" account link instead of express or standard?
and then build a UI to collect the needed info from the customers?
merry lichen
Custom accounts would still be creating a Stripe account under the hood, but yes, you'd be able to have more control over that UI
odd jolt
would we need to create a password for the user?
it looks like that's required in the flow
keen folio
As a user: No, in creating Custom Accounts through your UI Stripe can be completely obscured from the user (no actual login) but you have to provide the complete UI. The same information has to be collected and associated with the Stripe Account.
odd jolt
interesting
keen folio
It's more work and responsibility for your Devs and system
odd jolt
yup, I'm the dev lead so I'll be integrating this
keen folio
I'm personally using Express because it exposes the Stripe existence - I get considerably more credibility when customers know how secure the process is.
(and saves me a lot of work)
(also lead/sole dev)
odd jolt
I see
are we able to create the bank connection using the same token that we get when the customer connects their bank to make an ach payment?
using a SetupIntent
keen folio
Don't know - not a process I use (I use payment Elements) - and in Stripe cash flows are generally one-way - from "customers" who pay to the Platform to the "user" Connected Accounts
It's not a genrallized banking/money-transfer system
odd jolt
@merry lichen do you know?
merry lichen
Just to make sure I'm understanding you're question - are you asking whether it's possible to use the ACH Payment Method that a customer created through a Setup Intent as the external account for a customer account?
odd jolt
correct
cuz in that flow, you guys made it easy for them to quickly connect their bank account using their login
similar to Plaid
is that possible?
merry lichen
(still digging- I don't think it's possible, but trying to confirm)
odd jolt
we dig it using Plaid before
but if we could only use Stripe's UI Element, that'd be ideal
since Plaid is yet another third party to rely on, it'd be nice to eliminate it
merry lichen
From some digging, it doesn't look like there's anyway to use a new ACH payment method as the external account - you'd have to rely on the older flows of using a bank account token
merry lichen
sorry about that 😦
odd jolt
all good