#smc-elements-ach
lyric mountain
Depends on what payment method you're using with the bank account/routing numbers, but for ACH Debits you can use the Payment Element: https://stripe.com/docs/payments/ach-debit
Here's a list of other payment methods currently supported by the Payment Element: https://stripe.com/docs/payments/payment-methods/integration-options#payment-method-product-support
empty zephyr
ah, got it.
just for context, I'm collecting information for a custom connected account with Stripe treasury
trying to figure out if the payment element is also able to be used here - it's not exactly to facilitate payment, at least in a 'checkout' sense
lyric mountain
Ahhhh, okay. So Elements is not currently compatible with any treasury products as far as I know
empty zephyr
ah I see!
so in this case, my frontend would just send the details directly to my backend server, which would then load them into the custom connected account?
lyric mountain
What is the bank account going to be used for?
empty zephyr
ah, so this would be a customer on my platform transferring funds to the custom connected account that I set up for them
pulsar rune
@empty zephyr I'm sorry I don't really follow what you mean. In our API a Customer is the person paying for the service, is that what you are trying to do?
empty zephyr
ah, apologies for the confusion! I mean a 'customer' in the treasury sense:
https://stripe.com/docs/treasury#treasury-account-architecture
what I'm trying to do is under 'move money', here: https://stripe.com/docs/treasury/examples/moving-money
the crux of my question is: when I want to create a setup intent, am I able to do that with stripe elements? or does that have to be done on my server
pulsar rune
elements should work fine for this yes
pulsar rune
sure! I haven't used that product yet it's brand new
empty zephyr
oh, treasury you mean?
empty zephyr
ah, got it
just out of curiosity, @lyric mountain 's comment:
Ahhhh, okay. So Elements is not currently compatible with any treasury products as far as I know
is probably incorrect here?
I guess what I'm trying to figure out now is how exactly to use <PaymentElement/> (I'm using react-stripe-js) to collect bank account info
because it seems to only load credit/debit card forms?
not account+routing information
@pulsar rune any clue here?
pulsar rune
Sorry, I don't follow
like what you tried?
Did you create a SetupIntent? Is it configured specifically for collecting bank account details?
empty zephyr
Is it configured specifically for collecting bank account details?
ah- so that's what I'm trying to figure out. how can one use stripe elements to collect bank account details client-side? creating the setup intent server-side makes sense to me, but just trying to figure out how to collect the details themselves
pulsar rune
Can you give me a SetupIntent id seti_123
empty zephyr
haha- I think I see the issue. let me know if I'm off-base here:
- to use Elements, I need to create the SetupIntent first (which in this case includes the account/routing numbers)
- after the SI is loaded, if I were to use Elements, I'd need the clientSecret from that intent to load it.
so I'm putting the cart before the horse: of course I can't use Elements to collect fields required for a setup intent, because I need that intent created before rendering the Element in the first place.
pulsar rune
- to use Elements, I need to create the SetupIntent first
yes!
(which in this case includes the account/routing numbers)
No, that's the whole point of Elements to collect that for you
I'm still really confused overall. Treasury feels like a completely different product than what you describe
with Treasury, Stripe creates a bank account for that person
I'm sorry I'm struggling to understand what your business model is and what you are trying to achieve
empty zephyr
got it, sorry I'm a bit confused as well.
so this is what I'm trying to achieve: https://stripe.com/docs/treasury/examples/moving-money#adding-an-external-bank-account
pulsar rune
okay but in that flow it doesn't make sense to ask them for their bank account details, you already have all of that information
empty zephyr
ah, I have their treasury bank account details
pulsar rune
that's why the code passes raw bank account details, because you are the one with access to this as the platform
empty zephyr
but not their own external account details
pulsar rune
hum okay
so you want to collect bank account details for Payouts on a connected account?
https://stripe.com/docs/connect/payouts-bank-accounts you want to read this if so. And there's no UI flow in that case, my colleague was right
you can still do it client-side via https://stripe.com/docs/js/tokens_sources/create_token?type=bank_account
empty zephyr
ahh okay- this is helpful!
so I can create a token to add to a customer's external_account, that makes sense.
my only question becomes how, like in this example (https://stripe.com/docs/treasury/examples/moving-money#adding-an-external-bank-account), to take that token and create the setup intent.
everything from that example reads to me like a customer is trying to fund their treasury account with their external bank account (non-Stripe), and to manage the flow of funds, the setup intent is needed- but where does one place that token created client-side in this setup intent flow?
pulsar rune
the external account/Token is not to fund the account as far as I am aware