#brianc-plaid-checkout

1 messages · Page 1 of 1 (latest)

unborn axle
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@austere spoke hello! Can you clarify what you mean? Do you mean Checkout our hosted payment page?

austere spoke
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Checkout

unborn axle
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Then no, we don't support Plaid. We already built our own integration with banks instead, so you shouldn't need plaid in that flow

austere spoke
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Yes, we need it for international ACH payments using a US based bank.

unborn axle
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I don't know what that could mean

austere spoke
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Receive ACH payments from bank accounts outside of the US but using our US based bank account to receive funds

unborn axle
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I'm sorry I'm still unclear what that could mean

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what does "receive ACH payments" mean? Like people wiring you money?

austere spoke
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Thanks. Plaid supports accepting payments from customers through customer's (let's say) UK based bank account but no requiring our company to have a UK based bank account to reeive the funds Make sense?

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As a US based company with a US based bank account, we are limited to only ACH payments from US based bank accounts (customer's bank) through Stripe. correct?

unborn axle
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not really correct.

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I am so sorry for being dense, I really don't get it

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ACH Debit allows you to debit US bank accounts, that's it.

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If you want to debit UK based bank accounts you use BACS Debit

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if you want to debit European bank accounts you use SEPA Debit

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is that what you are trying to do?

austere spoke
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It's OK. We've researched the business end of it. Just need to know if the Checkout supports Plaid. If not, no worries,

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ACH payments through Stripe are limited to US bank accounts and the other types you speack are not available to us since our business bank account to receive funds is in the US. We need to be able to accpet those ACH type payments from customers in other countries without that restriction. Currently Stripe requires that we have a bank account in each country in order to even add them as payment methods

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Plad seems to get around that.

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Since we've put so much time into switching to the Checkout we were hoping it would support it.

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Will need to create another implementatopn I guess to add Plaid

unborn axle
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We have no plan to add Plaid to Checkout since we already support the features you are describing at least

austere spoke
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Not if the native currency of our bank account is USD. If it were EUR, yes for some

unborn axle
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that is incorrect

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US-based accounts can only have a bank account in USD. That doesn't prevent you from accepting SEPA Debit where you debit your Europe-based customers' bank accounts in euro

austere spoke
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I think SEPA debit is a different payment type though. It is not a bank transfer payment which is what we need.

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I will loolk into it again though. We actually did a lot of research on it prior to reaching out to Plaid.

unborn axle
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That's fair but we're still not using the same vocabulary

austere spoke
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The conclusion we came to is that Stripe did not support what we need.

unborn axle
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you keep discussing "ACH payment" but also "bank transfer" which are completely different payment methods too

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I'm just trying to help since you're already using Checkout and are plausibly asking about something completely different but unfortunately I don't see what you're aiming for

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but if you have to use Plaid then it will have to be entirely separate from Stripe/Checkout at the moment

austere spoke
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I do appreciate it. Thanks.

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But Plaid can be integrated with Stripe. just not with checkout, correct?

unborn axle
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not really no

austere spoke
unborn axle
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We do have a legacy integration with Plaid for specifically ACH Debit for US customers with a US bank

austere spoke
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Ah! It's legacy. I see now.

unborn axle
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but that is already what we rebuilt from scratch and fully support in Checkout

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So it seems completely different from what you want to support but I still don't know what that is unfortunately

austere spoke
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Yes,. I believe it is completely different. I just saw the ability to use Plaid with Stripe and assumed it was possible but possibly not with Checkout

unborn axle
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gotcha

austere spoke
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Got it. Thanks!