Peter-Boyd-ACH | Stripe Developers | Page 1

arctic brook Jun 3, 2022, 9:18 PM

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Hi there!

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Are you asking whether you can use the same bank token to create an external account and also charge an end-customer?

tawdry cradle Jun 3, 2022, 9:18 PM

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yeah corret

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correct

arctic brook Jun 3, 2022, 9:19 PM

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No that's not possible since the bank token will be consumed once used as an external account.

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You would need to get another bank token in order to do this.

tawdry cradle Jun 3, 2022, 9:21 PM

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We're curious if we can create ACH payments for customers and allow them to create a Stripe Connect custom account by only entering their bank info through Plaid one time

arctic brook Jun 3, 2022, 9:22 PM

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Hmm give me a moment to think if there is any workaround here

tawdry cradle Jun 3, 2022, 9:22 PM

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Thanks Bismark

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Just to be super clear, our customers initallly come to our site to buy something, which we want to use ACH out. Then when they come back the second time, they sell something which requires ACH in. Ideally they don't have to reauthenticate their bank details when they come back the second time.

arctic brook Jun 3, 2022, 9:24 PM

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Yep I understand. I don't think cloning will work here, but that would be the workaround. Let me test it real quick.

tawdry cradle Jun 3, 2022, 9:28 PM

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Cloning, interesting. Do you have any documentation for that?

arctic brook Jun 3, 2022, 9:28 PM

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https://stripe.com/docs/connect/cloning-customers-across-accounts

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The reason I don't think it will work is that I think the bank token needs to be on your platform account

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And to clone means cloning it over to your Connected Account

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But I'm not 100% on that... maybe we do let you set an external account if the token is on the Connected account

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Ah actually no pretty sure this won't work.

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Because once again the bank token isn't what is going to be cloned

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It is the bank account itself

tawdry cradle Jun 3, 2022, 9:29 PM

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Damn, oaky

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oaky

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okay lol

arctic brook Jun 3, 2022, 9:30 PM

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I'll still double check

tawdry cradle Jun 3, 2022, 9:30 PM

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Right now we're only using Plaid for creating Connect accounts for payouts

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we're using Stripes PaymentElement for Bank ACH payments

arctic brook Jun 3, 2022, 9:40 PM

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Actually

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This may work fine

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Indeed it does. When you clone we do give you the token

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Okay so here would be the flow @tawdry cradle

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collect plaid bank token on platform

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attach bank token to a Customer

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Clone bank token from platform to Connected account

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Set as external account on Connected Account

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Now you can both charge the customer on your platform as well as use that bank account for payouts on the Connected Account

tawdry cradle Jun 3, 2022, 9:43 PM

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oh awesome!

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so we can attach that bank ach method to a customer, then create a connect account using the same bank token?

arctic brook Jun 3, 2022, 9:44 PM

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Yep if you clone it

tawdry cradle Jun 3, 2022, 9:45 PM

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ah man that's great

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thank you Bismarck!

#Peter-Boyd-ACH