---
title: US bank account debits with ACH
slug: us-bank-account-debits-with-ach
published_at: 2022-04-13 14:04:21 +0000
updated_at: 2023-01-30 22:52:22 +0000
summary: 
description: In this livestream, you'll learn how the new ACH payment method works for debiting US bank accounts. We'll talk about all the ways to accept ACH payments including Invoicing, Payment Links, Checkout, and the new Payment Element.   ### Presenter CJ Avilla - Developer Advocate at Stripe - https://twitter.com/cjav_dev Matthew Ling - Developer Advocate at Stripe - https://twitter.com/mattling_dev   ### Table of contents 02:00 Introduction 07:40 Create a Payment Link with no-code 09:25 Enable ACH payment method 11:45 Start writing code 13:00 Create a PaymentIntent 15:40 Implement payment form 22:00 Enable automatic payment methods 23:50 Confirm the payment on form submit 28:00 Confirmation page 34:20 Microdeposit verification 43:17 Verification methods 45:33 Webhooks 56:40 Conclusion   ### Resources ACH announcement - https://youtu.be/Q9Muz8OEZYk  Code on Replit - https://replit.com/@CJAvilla1/ach-us-bank-account-sinatra-sample  Accept a payment Stripe Sample - https://github.com/stripe-samples/accept-a-payment Accept a payment documentation - https://stripe.com/docs/payments/accept-a-payment Webhooks - https://stripe.com/docs/videos/developer-foundations?video=webhook-helpers     ### Support If you have a question, please feel free to reach out to our support team on Discord at https://stripe.com/go/developer-chat   ### Updates Sign up to stay updated with developer news: https://go.stripe.global/dev-digest ### Feedback If you have any feedback about this or other episodes, let us know: https://forms.gle/VjNqzRhotM2snYo88 #Stripe #Payments
tags: [stripe, payments, ach, payment element, sinatra, ruby, replit, accept ach, ach transfers, ach bank debits, @cjav_dev, @mattling_dev]
views: 3148
author: CJ Avilla
url: https://www.cjav.dev/videos/us-bank-account-debits-with-ach
youtube_url: https://www.youtube.com/watch?v=wng0mPMISjM
youtube_id: wng0mPMISjM
embed_url: https://www.youtube.com/embed/wng0mPMISjM
thumbnail_url: https://i.ytimg.com/vi/wng0mPMISjM/hqdefault.jpg
type: video
---

# US bank account debits with ACH

*Published: April 13, 2022*
*Views: 3148*

## Watch

[Watch on YouTube](https://www.youtube.com/watch?v=wng0mPMISjM)

[![US bank account debits with ACH](https://i.ytimg.com/vi/wng0mPMISjM/hqdefault.jpg)](https://www.youtube.com/watch?v=wng0mPMISjM)

## Description

In this livestream, you'll learn how the new ACH payment method works for debiting US bank accounts. We'll talk about all the ways to accept ACH payments including Invoicing, Payment Links, Checkout, and the new Payment Element.


### Presenter
CJ Avilla - Developer Advocate at Stripe - https://twitter.com/cjav_dev
Matthew Ling - Developer Advocate at Stripe - https://twitter.com/mattling_dev


### Table of contents
02:00 Introduction
07:40 Create a Payment Link with no-code
09:25 Enable ACH payment method
11:45 Start writing code
13:00 Create a PaymentIntent
15:40 Implement payment form
22:00 Enable automatic payment methods
23:50 Confirm the payment on form submit
28:00 Confirmation page
34:20 Microdeposit verification
43:17 Verification methods
45:33 Webhooks
56:40 Conclusion


### Resources
ACH announcement - https://youtu.be/Q9Muz8OEZYk 
Code on Replit - https://replit.com/@CJAvilla1/ach-us-bank-account-sinatra-sample 
Accept a payment Stripe Sample - https://github.com/stripe-samples/accept-a-payment
Accept a payment documentation - https://stripe.com/docs/payments/accept-a-payment
Webhooks - https://stripe.com/docs/videos/developer-foundations?video=webhook-helpers




### Support
If you have a question, please feel free to reach out to our support team on Discord at https://stripe.com/go/developer-chat
 
### Updates
Sign up to stay updated with developer news: https://go.stripe.global/dev-digest
### Feedback
If you have any feedback about this or other episodes, let us know: https://forms.gle/VjNqzRhotM2snYo88
#Stripe #Payments

## Transcript

[Music] [Music] [Music] [Music] [Music] [Music] [Music] [Music] [Music] so [Music] [Music] welcome back to stripe developer office hours i'm cj i'm joined by my colleague matt we are developer advocates at stripe and today we're going to hack around on some ach or u.s bank account debit examples so thanks so much for joining thanks for your time and attention if you have any comments or questions as we go along feel free to drop them into the youtube chat or also into the twitch chat we are actually streaming live on twitch today also um so yeah i thank you again for joining us um and yeah we'd love to just know where you're at what you're working on so if you have something that you're building right now we'd love to hear about that so go ahead and drop that down in the chat matt do you want to go ahead and introduce us a little bit like tell us what we're going to work on today yeah sure um yeah my name is matt ling i'm another developer advocate based out of europe and yeah so um in europe we have a lot a really diverse set of payment methods and which are you know popular in certain countries ideal in the netherlands we have you know sepa debit across all of the um you know the the sepa uh uh countries um and lots of things p24 and and but uh one of the the most recent ships um is actually a us-based payment method which is the i think it's automatic clearinghouse ach um which which is for debiting u.s bank account so i'm pretty uh well-versed with debiting europe european bank again so i was really curious to hack on an example of uh how can we use this new implementation of ach debits on payment intents um and using the payment element so yeah uh excited to excited to hack on this and and find out how it works awesome yeah me too so this is like the payment element if you haven't already seen the payment element it is a new drop-in element relatively new for stripe that allows you to accept several different payment method types at once so you can have a card payment or a u.s bank account we can even accept after pay klarna wechat pay this is all in the u.s and so matt was just talking all about you know some of the payment methods that are common or local to countries and customers that are in the separa region so if we jump over to germany you can see that other payment method types are presented here so in today's demo we're only talking about ach which is a u.s only payment method and you might be wondering like wait a second i thought you already had ach and if you go way back in the archives here back to february 2020 you'll find this super old episode with a bald with a ball cj talking about uh ach bank account set up our early our early uh uh videos certainly um yeah they they look some it's like that simpsons you know when like they go back and they show you the original sims and it's like wow they really look like that absolutely yeah so this is uh this was an old video about ach if you want to still use the old ach implementation you can it is definitely deprecated that is like the one and only thing that you may have still needed to use sources and charges for directly but you don't need to do that anymore now everything can be on payment intent and payment element which we are super super excited about because we know a lot of you are feeling the pain of having to like maintain sort of two integration paths for your payment for your payment acceptance um we actually already have a question here um so uh gijo asks i tried using the payment element but collecting the billing address with tax id and type was difficult so i went with the customer billing portal the customer portal is a great option you can redirect customers there they can enter their um their tax ids or you know a whole bunch of different information through stripe checkout and the question is are there any plans for a billing address element so we do have some exciting news coming soon about some different elements that are going to help you collect uh some of these other things but we don't have any anything to share specifically today but stay tuned to this channel in the next few weeks we have some really really fun announcements with regard to address elements and some other really fun stuff that we're going to be adding into the payment element so what i wanted to show here was that if you go into the add payment methods documentation you can sort of drill down to ach debit and find this accept a payment uh guide for ach and if you follow this guide you'll be able to collect ach debit just directly with stripe.js without using the payment element i would actually recommend against doing this because if you really the only reason you might need is if if you need server-side confirmation or if you need to present your payment methods in different forms or something so i would definitely recommend using the payment element which is the proper sort of payment element hector how's it going we are doing these live sessions we're getting a little bit more regular with our live streaming session so you can expect to see probably at least one a week we have one that's around this early time uh so 2 p.m uh 2 p.m uh gmt is it gmt plus one plus one right now yeah so we got a nice nice long stretch in the evenings that's right yeah so it's like i think at nine i'm it's nine a.m my time which is eastern time um sorry i hope you had time for coffee yeah i've i've already had enough coffee i don't know if you could tell but yeah we're going we're going for sure um so ach you can also accept ach inside of checkout you can use payment links you can use the hosted invoices page now supports uh ach so there's lots of different ways to accept ach payments um but this is the one that matt and i are going to sort of hack on today but before we actually start implementing any code i did want to show you that you can totally do this with no code at all and so we'll kind of quickly go through creating a product which we can do from our stripe dashboard here maybe we want to sell a box of chocolates or something and this is going to be a one-time price we'll just sell them for i don't know 100 they're fancy nice fancy chocolates okay we can create a payment link we'll just keep it really simple for now uh maybe we let people enter some promo codes or something at checkout we'll say create a link and that is it we have now a way that people can pay and buy our box of chocolates from us like you could drop in images and really style this out right matt that payment link right um you can you can share that on loads of channels right cj so that's really flexible yeah absolutely yeah so you could drop this in you know i don't know text message it to someone or wechat message it to someone or i don't know post it on um you know in you can actually like create a payment link and drop it in the comment right here on youtube as we're watching the stream not a hundred dollar chocolates please though thank you uh so you can even um you know print out this qr code or download this image of the qr code now which is also super cool uh and but what you may have noticed is that when we're on this page you only see the card input and that's because we haven't actually added the ach payment method as the one of the payment methods that we want to accept for our account john steele dropping in from technical solutions engineering how's it going uh john has been doing a ton of work on the firebase extension so if you're using firebase head over there is a stripe firebase extension that you can install and uh it allows you to do tons of cool things with firebase thanks for joining john what i wanted to do though was go over to our settings and in the payment methods section here um this this is like really amazing before you had to kind of like specify which payment method types you wanted to accept when you were creating your checkout session or your payment intent but now with automatic payment methods you can come directly in your dashboard and just say like yes i want to turn on ach direct debit and it's you're going to get a little message here that says we recommend using web books um that's because of delayed it's a delayed payment notification or delay notification payment right matt like yeah exactly i'd say yeah so like i'm pretty used to that that terminology because in europe we have a lot of delayed and notification payment method which ultimately means once a transaction is is made it takes a number of days um for for the for the the uh for that transaction to settle essentially so you have to wait um and get a notification from stripe that the payment was successful and then you can do things like fulfill your orders or ship out your you know your goods and services and i just wanted to go back though to this idea of like managing things in the dashboard because there is this amazing side effect uh which you know um which means that let's say you wanted to add a brand new payment method uh to your to your integration you don't have to make a deployment you don't have to add a new even though it was just adding a new string to an array which is a very simple thing to do you know when you're coding but you did have to deploy that and you did have to maybe do some testing and now you just you don't have to do any of that anymore it's like click of a button and you can sell into all of these uh markets all around the globe so it's incredible yeah it's pretty handy that you can just drop in you can just drop into the dashboard make a change and now you're you're unlocking access for more customers to be able to pay um paul also joining us here from europe um with uh yeah some peanut peanut gallery uh information about european payment methods so all right let's drop in uh now if we go to that same payment link that we just created now we have this u.s bank account flow that we can go through just wanted to show it's like super super easy to get started you can just create a payment link send this to people they can buy your chocolates for a hundred dollars and uh you're off to the races with no code at all um so yeah pretty special exciting all right all right matt should we get into it yeah let's let's code some stuff all right let's code some stuff so i should be sure should we share the link here are we going to get are we going to get ddos what do you think um we can try i guess worst case we might need to create a new uh a new repel but um we certainly we we've hit that problem before on popular streams but uh yeah we can try okay so uh if you want to follow along you can head over to that url and you'll see the page as we're as we're building it and then also later in the description we'll share a link where you can fork the replit that we're using and then kind of like play around with it yourself um so yeah so here's the plan for today we're gonna um we're gonna create a payment attempt on the server that's like the very first step as soon as you land on the payment page create a payment on the server pass its client secret back to the client then we will use um the payment intent clients secret to new up a payment element that's where we're going to show all the different payment method types that we support and then we will put that inside of a form that when submitted we will make sure that we're confirming payment and then stripe.js is really going to take it from there and ultimately redirect the customer to some success page and that's really it if we have time we'll get into adding some web hook handlers and success pages but let's just see how far we get yep um so matt do you want to you want to start out by adding a route for creating payment intents yeah cool so we're going to need a post right for that and we're going to call it uh create uh payments payment intent and that takes a block in new ruby land okay let's see and then um we're gonna need uh well we'll create a payment intent variable which is going to be a stripe payment intent yep straight one create you'll leave it really it's ruby we can leave that out yeah um so let's what are we charging 10.99 for uh for whatever product we're selling yeah sure let's sell some more chocolates yeah the cheaper chocolates okay i think it's usd um obviously for you know selling to we're selling in the us uh that's right with bank accounts um and actually that's kind of all we need i believe to get going with with just the uh um um uh the the payment intent let's see so we probably want to return a client secret yep um and that's going to be the payment intense client secret uh which we'll use later to uh to confirm the payment uh i believe it's this yep and we're probably going to want to send back some json to the clients cool cool nice that looks great so by default when we create a payment intent um with just an amount in a currency it's going to use a um a payment method type list with just the card element in it but we'll come back and talk about that in a little bit how to enable automatic payment methods versus specifying them and so we'll kind of like come back and iterate on this nice and also like this so this is going to like make an api call to stripe with the amount and the currency to create a payment intent the stripe api is going to return some json that's going to be uh you know hydrating an instance of this payment intent thing that we're then going to like render the json back for um and so the one thing i wanted to show or like talk about at least before we go too far is that like we're setting our stripe api key here from the environment variables and inside of replit you can define environment variables here under secrets so we have like our stripe secret key is defined there we have a stripe publishable key also defined there um so in case that's something that you're curious about like how are we actually authenticating this api call to stripe that's like where it's happening yep and that's like pretty good practice because like you don't want to commit your keys to uh to you know um a source control or something like that so you can kind of manage on the outside of the the execution path if you like right cool all right should we jump over to the index yeah yeah okay okay nice oh we already have stripe installed cool struct.js nice right yeah so we're loading stripe.js from js.stripe.com that's another best practice you never want to like download it and use stripe.js locally you always want to use the one loaded from js.stripe.com and then i don't know should we like do you want to talk through as i type the what we're going to do here yeah yeah so i think probably we're gonna need a form um which will will uh we'll catch the submit event when the form is um submitted and we'll prevent the form from actually submitting and we're gonna use stripe.js to use the payment element um to to drive the payment um in this case what cj's doing is creating a div with the id payment element and this is where we're going to mount the elements and which is like the terminology um in stripe.js so i don't know if you've ever integrated with the card element it's pretty normal you create a card element in javascript which we'll see in well we're going to use a payment element in this case and then you mounted on that div and what stripe.js does is it creates all of the structure for you basically all of your form fields input fields and all of the dynamic things that happen when you're when you're changing your your when you're you know selecting different payment methods and yeah cool so in the in javascript we're always going to want our publishable key and to initialize stripe um in the client and then i think next up uh probably we need to initialize an uh uh an instance of elements um which uh we'll use to create the payment element as well right so this is all this is all going to be pretty pretty standard stuff if you've ever done a direct integration and with uh with stripe um cool i hope you didn't hear my stomach rumbling there either it's dinnertime or lunch time like a late lunch there okay cool so um yeah so this is what i was saying earlier we're going to mount this particular payment element onto that div by referencing it by its id and we'll see that when we reload on the on the um on the actual uh on the front end and we should we'll eventually see that the payment l being rendered into that div yeah so we do need to fetch um but create the payment intent which uh we saw in the server.js is actually returning the client secret um as json and we're going to use that to initialize um or sorry we're gonna use that to uh to confirm um yeah to confirm the payment so i think here we can um i'm gonna like type a little bit here uh i think uh we're gonna probably have this back right cj we're gonna get the client secret yeah if we uh if we yeah sorry to roll over your function there no um that's cool that's cool so like yeah we're just using the built-in fetch api to make a post request to the server slash create create payment intent um we don't we're not actually passing anything back right now but like you could in practice like pass back some cart or some line items or something that would then ultimately be used to figure out how much you want to charge on that payment intent um and then yeah we get back this client secret the reason we need to do this thing on page load is that now when we initialize stripe elements we actually need to pass in the client secret that's going to be used um to set up the payment element so should we check this out let's see something is up with the repli like previewer here so this preview hasn't actually been working but over here um oh we see json all right so what's going on oh a weight can only be used inside async functions so i guess you gotta like wrap this up yeah we got to do a documents uh and we'll listen to dom content loaded i guess um yeah that's my thought i i banged in the weight there without no worries um i know this is just kind of like a hacky way to make sure that we have like an async function that way we can call these or we can use a weight inside of there so now if we refresh that's not a function i always spell this wrong add event listener list 10 list tenor ls yes that looks good not better let's see i think so all right create payment intent is throwing a 500 that's cool interesting i got it wrong okay let's see what i did wrong okay 500 okay um okay that's fine currency do we need to add payment methods actually or specify at least although 500 would be not the right so yeah so if it's a 500 error the first thing we want to do is like check our server logs yep and so at the top here it's telling us undefined local variable or method payment intents so yes how's that yeah yeah it was plural sorry that's my bad cool all right you already fixed it before we can see it yeah nice simple sorry sorry it's cool this is oh so basically here what i did was classic um you know is it singular is it plural i put in plural so cool undefined variable cool that's easy this is this is an interesting style of stream where like we're both able to type into the editor and so i'm not sure like when when matt's typing in the editor i'm like okay wait hold on i gotta go back to that other screen oh yeah sorry sorry no no no no no it's all good it's gonna take us a minute to practice this okay but this is the payment element so it's rendering for some reason it's also rendering the word json up here so we'll have to go figure out what's going on with that that's um oh you know what it's at the very top of that html file literally the word which i just removed i was it was like while i was typing application json for some reason i was like typing json and i didn't see it print out and i was like what is that oh you know yeah yeah it was at the top yeah okay yeah the cursor somehow landed up there um all right should we try to do some css i don't know like do you wanna okay that's stretching my abilities but we can try okay let's try it let's see um can we can we just drop it in here what would be really cool is if we could just use um if we could just use tailwind uh but yeah i don't know whatever you know what let's just keep it as is so that we can keep going and keep talking about like the actual implementation we've got the card element and what do we need to change matt to like make it show the the ach part um so i mean we're gonna we we should have we need to make sure it's oh we turned it on in the dashboard already so we need to basically say to the payment intent look we want you to use automatic payment methods right so we want you to use the payment methods that we have configured via the dashboard right so we're gonna have to go back to the server rb i see you're already there um yeah there you go automatic payment methods enable true perfect all right and this should give us everything that we've enabled all right look at that u.s bank account fantastic right um so yeah now we can like just go through the entire flow as if we're i don't know paying but this doesn't actually do anything right because we haven't wired up the form yet so yeah we'll we'll hold like yeah keep your suspense keep your suspense because like we've gotta we gotta finish this part over here yeah yeah so i guess inside let's jump back into index.html i guess what we want to do is um we need to add another event listener for the submission of the form right once it's all mounted and everything yeah do you wanna work on that yeah sure can i do it in here it's okay oh yeah sure okay that's not an event listener at event list tenor um okay uh we're gonna listen for oh wait no you know what i need the form uh so forum is gonna be a document dot use let's use whoops sorry the tab the tab auto completion in here always tricks me because i think it's like oh you're in html so you must want to uh autocomplete yeah some documents tag or something yeah okay so we only have one form on there so i'm just gonna like just use form okay and then we wanna we wanna add an event listener i think the form and event listener and we're gonna listen for the submit of that form yep that's right um i'm gonna copy your uh cool new new school oh yeah fancy fancy i totally would have gone function there but okay cool um and we will also want to pass the event here right because or at the event object whoops we want to make sure that we prevent the default which would be the form submission yep um and then after that and we want to take care of of um confirming the payment right so let's say here actually it would be just and we're not going to do it but it's worth mentioning that when that form is submitted it's good practice to actually disable the form submission again so disable that and put a loading status in there so for so that your customer knows something is happening and they also can't submit the form again right you got because these things are going to take a couple of seconds to you know to complete but we're not going to do it right now but here you might do something like you know disable button or you know uh set a loading state or something sure instead what we're going to do is we're just going to like head on and we probably want this to be uh i think this is going to be confirm let's see i'm going to go back and probably have to change that but we'll probably want to do something like stripe confirm payment yep nice and we're going to want to pass oops let's let's give it some angle brackets here we're going to want to pass the whole elements uh object that's right and then some confirmation param so confirm uh confirm uh params cool and that's going to be an object isn't it i think it is yeah um and we want the return url cool so let's see i feel like this should be we probably want to get like i don't know we probably won't want to get potential error back from this call oh no did i move you over to the top i did okay so when i started typing it like moved your cursor to the very top that's why we got the json last year that makes sense though that makes sense okay cool and so i'm just going to like yeah the error and i think that wants to be async as well like so we'll need to await that and yeah you go ahead oh sorry no no you're good you're good very good yeah so stripe confirm payment this is that thing that's actually going to open the or no the thing that's actually going to like be called once we submit the form so when you're going through the payment element ui um the step where you actually enter in this um where you're actually like picking picking the bank account and going through this flow here um this this step is actually called like collect bank account information so when we click on uh test institution here or something uh i refreshed the page and now it's no longer loading probably because i refreshed like while the javascript was seemed to change or something yeah we could we may have broken something in the meantime let's see what's going on in our console await is only valid in async functions so i think we need to yeah here yeah there you go yeah i knew i knew i knew i was gonna have to go back to that no worries um right so this this step here is called collect bank account information um but that doesn't actually confirm it right the confirm happens after you click the pay button down here in the corner so if we go through the flow now and we say like yes we agree um we didn't actually enter like our name or anything but we can pick one of these test mode bank accounts in practice too that would show you like your list of actual bank accounts that you can connect to test institution would be replaced by like you know different banks um bank of america wells fargo like etc etc um and then here when we click on this pay button that's what's actually calling confirm payment um and we were redirected to the success url so that um that redirect url is like where we're redirecting after we successfully confirm payment so that's where we're redirected back to and if you look at the url params or like the query stream params you'll see that we actually have i don't know if you can like it's i can't zoom in to the to the window but um yeah we've got the id of the payment intent we also have the payment intents client secret so there's a lot we can do with that um on this page do you want to like you have alfred installed i i don't uh okay though yeah yeah this has kind of cool trick where you can like really enlarge a piece of text just like nice but that's for another day yeah okay um all right so should we make a success page let's yeah just like okay add a file success.html and html let's see okay so it completes some but not others that's okay got it i know matt and i are both vim users so i think we're all just we're just like totally thrown off by this i'll go i'll go grab the stripe uh js code from the other file i'm going to cargo cult it and put it here okay cool speed this up a little bit oops um this is just going to be called success page nice yeah and so like the idea is that when you're redirected to the success page you can show some status of the payment intent um and because we have that client secret we're able to use stripe.js client-side to re-retrieve the payment intent so the first thing we need to do is like get the payment intent client secret out of those query string params so i think we can say like params is new url query params oh i don't know what i forget what this is i can remember i can look it up on a tiny demo yeah i think i have it somewhere let's see i don't know if it's this console.log params uh i think it's really here what is it um uh my my tiny demo is loading slowly i'm afraid okay payment intent client secret that should be what we want okay yeah john jonathan confirmed yeah it's url search for amps all right awesome uh so we've got our client secret now we can say like okay this is client secret and what we can do now is we can actually use stripe.js again to retrieve stripe drive.retrieve payment intent and pass in that client secret and that's going to return a promise that we're going to have to like wrap in another like async thing um but whatever we also need our client or i'm sorry our our publishable key here so that we can actually authenticate the request to retrieve the payment intent with its client secret but that'll return a promise that we're going to await and that will give us back the payment intent yep um but again we need we like instead of using the dom content loader thing let's should we write it like an iffy uh oh these things like the immediately invoked function expression with ac just to like get it inside this is one of the nice things that's uh in dino you don't actually need like you can you can use a weight at the top level with dino oh cool pretty handy yeah um maybe it's worth noting as well um while you do that mcg like retrieving that payment intent with the client secret won't give you everything that's on the payment intent and if you go to the api ref there are certain attributes you can see that are marked as retrievable via client secret and it trips up some some people sometimes um but one of them should be like the status right i think i think that's kind of like what we're after um so if you go like the payment intent object if my memory serves me correctly i hope i'm not lying to you yeah you're right you'll be there yeah so you won't get everything back but you'll get everything that you reasonably need to show a customer on a front end yeah and in this case specifically what we wanted to show was that any next actions and then any status right like yeah which is retrievable with publishable key so just in case it's like still processing or something right um in fact like maybe we should just have like a div with like id status yep okay and then we can just do like status dot uh inner text is payment intent dot status oh gosh does that work uh i guess we need to i guess we'll need to like have this as a you know query selector you know to like append to it in the first place maybe i think i think status is actually like since it's the id there's like this super weird shortcut where like we actually have access to it in javascript well i don't know let's let's see right yeah super cool i'm learning is this okay so for some reason it's saying that we don't actually have stripe uh stripe is not a function is this what's going on here how come we don't have stripe as a function script gs.stripe.com that looks good um constrict stripe i don't know just putting in a semicolon at the end there okay or yeah that should work this looks good okay for some reason it's now not sad anymore okay let me i don't know this is a bit of a weird hackathon just can you reload now and just see what it says oh yeah yeah it's it's this it's being streaked about that semicolon there okay and i don't know well maybe because we're like doing the iffy thing like right after it or something yeah that's all yeah yeah okay but still like we're not seeing the actual div show up with status like it's not actually writing to it so maybe maybe i was wrong here uh so yeah let's do con i don't know status is uh right or is inner yeah maybe is inner yeah okay undefined why is it undefined intent id status hash status looks good oh you know what it's it's decon we're not deconstructing it as it comes back so this should be like oh right i think oops okay now we have succeeded fantastic all right so we've got a successful a successful payment intent um okay cool should we talk about uh micro deposit verification now yeah um for sure for sure okay so so some some customers might not be able to do um incident verification um with their bank accounts um when they're when they're using um ach so there is the option um to do micro deposit so basically um two small amounts there's i think this is two there's two options here either an identifier and will be with a one cent uh deposit will be made to the bank account and the user can take that identifier and return back to stripe and then supply that identifier in order to to verify the bank account the other option is there'll be two very small amounts deposited that only the customer will know about because they'll be in there um in in their in their account and they'll come back and they'll supply those values and so i think have you already ran through that flow yeah nice yeah so we're this is like the the micro deposit flow so maybe i'll do it again right like um if we say oh gosh uh maybe i already went too far like if you pick us bank account and then enter manually or if you say like oh i want to pick this test institution but then you decide you don't want to actually like go through the flow where you're picking the bank account and entering in your credentials to connect the bank account and um you know immediately what you can do is verify manually instead and here you would enter in like okay here's my routing number my account number um and then when you say continue this will say okay we've initiated the process of like depositing two tiny amounts into your bank account and then later like several days later you'll come back and like type in here's the amounts that i entered yeah they're like just little secrets that that only you know and that you know to verify your bank account and so it's really it's really quite smart and nice yeah what's really interesting um is that in my experience i've only ever had micro deposit verification happen you know when i'm like setting up utilities or whatever where they where they make two deposits with different amounts but with the new micro deposit verification there is also like a possibility that the um the transaction will have this special sort of number on it'll be like sm you know some set of numbers and letters and then um this is your like this xxx would be replaced by some example like secret code so you're actually just going to get a one cent deposit right that has like the secret code in it um right if we say yeah if we say done and now we say pay oh gosh we have to like tell it who's paying um but now if we pay now the status of the payment intent is requires action it's not succeeded so it didn't succeed because we require that someone go and like actually enter in those micro deposit verifications yep so it's like oh okay so now what do we do right the good news is yeah um there is a uh there should be a url supplied along with the um with the next action that we can we can leverage to send users to okay um so let's see okay yeah let's have a there you go let's see there should be in that next actions hash there or object there's verified market deposits and there you go there's a hosted verification url that we can send users to to go and actually um to enter those two values or the sorry or in sorry best case the um secret identifier beginning with sm or two or two uh deposit amounts right yep exactly so um so i guess what we might want to do is on our success page if it if it is requires action let's add like a link to the page that has this hosted verification url yeah um okay so if if payment intent dot status uh is like requires action um and like i guess if the payment intent dot what is it uh next action dot type is um verify with micro deposits then we want to like i don't know add some other div um i don't know what do you think or maybe just like an a tag yeah yeah we can just like yeah we can just populate the href on an whoops that's like the wrong thing yeah i'm just going to call it micro whatever yep yep yep okay and then we can just say like style is display none just so it doesn't show until we want to show it so then maybe we can like grab onto this const micro yep looks good yep that's going to be the url and then oh that's a long one this is a long one yeah i don't think you got any typos there that's nice i guess yeah yeah nice i don't know that's like yeah yeah i i i just does micro just totally out of interest micro link hidden false their work i just i i'm not too great with that the kind of dom in that regard but totally interesting i i i didn't use this display block like that in in ever um it might i don't know are you using hidden did you use like yeah oh wait yeah you might that's sorry that's what it was i'm sorry yeah yeah or and then i can just do like hidden faults i don't know like i i've been jumping between react and oh right html so much that are like okay all right so here we go we've got verify micro deposits we click on verify micro deposits and that brings us to a stripe hosted page where then we can enter in that code the magic code yeah um this is a test mode page and now we need to like enter in the test mode code we can't find it we have to like go back to our bank or check again and we should be able to um i can't is there uh there must be some test strings here right that's a good question i'm just yeah uh let's see what the test strings say the magic strings okay while you're doing that what i wanted to do is go back over to these docs and look at the documentation because if you implement ach yourself like on on your own page where you need to have server side confirmation um you can also build your own micro deposit verification flow so i wanted to show that i'm going to go to bank debits accept a payment and down i believe it's down at the bottom of this page you can do micro deposit only verification and then you can collect that micro deposit you can collect the micro deposits using um using stripe.js directly so uh the yeah so this is the method on stripe.js it is uh stripe.verifymicrodepositsforpayment you pass in the client secret for the payment intent you pass in either the descriptor code that they entered or the two amounts that they entered and that will do the verification so if you're building your own custom flow and you don't want to use this height the stripe hosted page at all then that's how you would sort of implement it so the string we want i believe is one one a a magic string to um uh a a as in apples oh a a yeah sorry like that my accents yeah okay nice yeah nice all right perfect thank you for your payment amazing so if we go back over to our dashboard we should have like several uh several payments here so lots of these are incomplete that's because every time we load the page it creates a new payment right like um but also this i believe this might have been the one that we just verified with micro deposits and it's still in a pending state because it takes a little while to process so if you come in here and you see it pending it's possible that it's just like going through i think it's a one minute a one minute delay right in test mode i believe so yeah okay um yeah so anyways this is sort of the entire flow for implementing what you might have as a success page and being able to support both micro deposits and instant verification now there is a way right that we can go over to the server and say we only want to support instant right and not like both automatic so yeah actually like let's talk about the different verification the verification methods right um i do you remember where those are um let's see uh i think the variable is payment method options and then you you give it u.s bank account okay and as as as an array um of options which is verification method instance so there you go pay method options you're right exactly so we need we need to pass this um to to when we're creating our payment intent got it so yeah so you can either say i only want to verify with micro deposits or i only want to verify with instant or using this default which is automatic meaning like you're going to try uh instant verification but you're going to fall back to microdeposits and again i know that we support most major banks but i i don't know exactly how many there are um or if there's like very small maybe like there's very small credit unions that have ach but they don't have like the like the infrastructure or the technology to support this instant verification so in those cases you might want to still continue supporting microdeposits so i would probably just use the default of automatic but let's let's go ahead and like force that they can only do instant for for demonstration purposes so this is going to be like what payment method options yep like that this is perfect okay yeah all right and now if we go over to our page which is here and go back to our you may close this page now okay i guess we want to go back to not localhost we want to go to this thing and if we go through the flow now now we don't have an option to manually verify and down here we shouldn't see the ui to go through and do micro deposit verification so that's um yeah it's pretty handy uh all right should we yeah it looks like we've got we've got some time matt what do you think should we do or yeah i think we'll get it done yeah and so just real quick like because it's a delayed notification method we mentioned earlier on it can take up to four days um to be notified about uh the settlement and the actual completion of that payment you need um the best way to handle these is to have a like a web hook event or a webhook endpoint in your system which is a post route into your system so much like you're doing you might you know make post requests to the stripe api stripe can actually make post requests back to your system to notify you of um important events especially like getting paid um so i think that's what we'll do right we'll put a post route into our into our app um and uh shall i start hacking on that or let's see um yeah like do you want yeah uh i was just gonna grab the the oh yeah that's a good idea from here that's a good idea um so we have like an example for sinatra so i'm just going to grab the webhook handler code there and drop it in and then we can like make sure that it's right yeah yeah okay yeah so yeah so maybe i can speak speak around this because i just because i've done i've done a lot of episodes on web hooks recently so and the payload is the raw request body that's coming from stripes so that's the the event object you can read about the event object in the api ref and so that's really the raw request post from um from from stripe and on line 36 we have the so-called stripe signature right so basically the signature is calculated on stripe side using um using the event data and a secret key that only stripe and you know so basically we send that that header that signature rather along as a header it's like it's a hash of of the the event data now on line 40 to 42 we're using the um client libraries construct event which internally takes the payload right which is the raw request body it takes the signature header which is um the signature in the header which we choose this covered and then also the endpoint secret and what it's doing inside it's going to recalculate the signature based on the payload and the secret so if you can recalculate that signature which is all happening automatically for you by the way inside inside construct event then you know that that event really did uh originate at stripe and any maybe potential bad actor who is like posting things to your uh to your replica endpoint you can just ignore those and you won't you won't have to worry um yeah and then a little bit further now and we have okay we're handling a couple of different um errors so signature verification that's for example if the event isn't didn't originate from stripe and then also ultimately we're using this case statement to have a look at the type of the event and if it's a payment intent succeeded then what we do is we extract the object from the event so what does that mean um when the event object is its own object and it always refers to another object which is the the kind of the referential object it could be checkout session it could be payment intent it could be charge um so what we need to do is we need to extract the object um in order to refer to its payment intent id yeah so that's that's kind of like oh yeah a bit of a long way around but um let's see is my cursor yeah and then of course we're you know handling payment failed so you would choose um in in your um webhook configuration in the dashboard um or well you can do it there uh which events that you should know you want to listen to and these are two of the most important obviously great and we like you might be wondering like how does stripe know where to send that web hook notification and so we haven't actually told it yet so let's go should we go over yeah maybe to the dev dashboard here under the web hooks section we want to add a webhook endpoint and the url is going to be um our replica web hook and then we want to select which events do we want to select here um well we're handling payment intent succeeded and payment intent payment failed currently in the web hook and the web of code so it makes sense to like choose those two at least um okay yeah should we do requires action processing maybe just to like see um a few more of these yeah just like yeah we'll need to yeah like we'll need to we can write we can do something like console log the or log rather the the event types as a coming in but in our case statement we can have code that will handle each one of those types and this is really cool this is if you haven't seen this this is our the new uh web hook um configuration interface and it gives you the code that's how to handle that which is super cool yeah i think i might just grab that because that seems a little bit more like yeah yeah it was generated for us brilliant yeah fantastic okay and then perhaps we should just like log the event type every time it comes in or something yep sounds good okay so then we'll just like say what's i don't know new web hook event dot type okay and so now in our server log we should start to see some of those come in as we're hacking on stuff oh but the one thing that i forgot we didn't actually finish setting up our uh our endpoint so we say add events yep add endpoint cool and now this is where the little signing secret is hidden it's under this reveal link so we need to click on reveal and this is going to be our input endpoint secret endpoint and you know that's secret yeah exactly and you know that that's you you oftentimes there's um a little confusion between like like secret keys for the api and secret keys for the endpoint but you can always tell because that that the keys are prepended with wh web hook sec web hook secret and your secret key will be sk so you can just eyeball that you know and you'll know which which is which yeah cool all right so let's go through the flow shall we yep oh seriously aiming intent succeeded okay that must have happened for an older one all right so we're gonna say we were if we were doing like in kind of a you know production build out like the stripe cli for example for triggering this event like if you didn't want to go and click through all of that stuff um in the in the interface like you could use a stripe cli to trigger like a payment intent succeeded and you would you would see it um we would need to listen use a listener to post to our art to that particular um that particular endpoint but yeah you can see those being created we might not need to like wire that up now but just it's a really great tip that you can just trigger those straight right on the command line yeah totally totally yeah yeah yeah so we're seeing them flow in right like nice i don't know if i if i can oh yeah scroll down and then just refresh this page a payment is being created right as soon as we load the page we are getting a post to slash create payment intent and that is resulting in the payment intent created webhook event firing on our stripe account that's being delivered to this replic instance that's running and that that already tells us that the site the signature verification has already succeeded right because we didn't error out with a signature verification error we got to like this is the new event type so we're already we're already good to go we can start writing like custom business logic to like enqueue you know um some sort of um um jobs to go and you know fulfill your service send your chocolates out 100 yeah i think in payment intent succeeded that's like where we want to actually send chocolates right right and then yeah i mean if you were if you are provisioning access to like a service or something then maybe you do want to give them access um while they're waiting for their micro deposit verification maybe you do want to give them access while it's processing that's up to you um but then ultimately you'd have to like de-provision access when payment failed later or something so in order to just keep it simple you could just you know actually fulfill whatever they bought with payment intent succeeded the other thing too that i thought might be interesting is like if you have your own custom emails inside of the requires action payment intent event this is where you might say like um send an email uh with the like microdeposit url um if i recall correctly i believe this might be something we send for you by default is that do you remember if that's okay yeah yeah i think that's true yeah and if somebody attempts if you if you provide a billing email as part of you know the checkout flow and we have that email for the customer but i believe we will send out a um yeah a micro deposit um request essentially um but you do need to have the email address set um and the billing the billing details in the flow right and we do collect that right when we when we're saying u.s bank account we're collecting the email address right here like that is a required field from the payment element and so by default we've got this like send ach direct debit mandate and micro deposit verification emails but if for some reason you wanted like again if you're building this custom form yourself and you want to do the micro deposit verification on your own you could disable the email here and then add your own code inside of the webhook handler that sends that verification email because again on that payment intent next action verify with micro deposit hosted verification url there's no way i got this right on the first shot but yeah you can look it up but this is like what we want to like actually send them to right so if they um yeah so we disabled it in the dashboard we click save so now like for instance our dashboard isn't going to send those verifications anymore we also need to go back to our uh thing and like re-enable automatic or yeah yeah right so that we can still do the micro deposit verification thing and enter bank account details manually let's see if we got that url right it's not the first track yeah okay so done and then in our server log we should see um we should see that url be printed out right if we got it right and we didn't because it's a huge error let's see let's see uh yeah that's what i meant to deposit [Laughter] um okay but yeah so uh instead of going through the entire flow again what we can do is go to our stripe dashboard and go to the events section and we can find the webhook event that was sent for the requires action method grab the event id and then from the stripe cli say stripe events resend and then put that in and it should resend the event to our webhook endpoint and we failed again i think let's see let's see maybe not huh can you resend that from the dashboard i think you can also i feel like we may have there you go okay here we go here we go sorry yeah you're right yeah no just out of interest that's i think i re i you were i used that recently and it's like super handy just you don't have to go through the whole flow again there you go okay yeah show succeeded so let's see if our server log nice okay there you go so we got a requires action now we're going to send an email with this micro deposit verification url and that's going to use the stripe hosted surface so perfect um cool what do you think matt should we uh wrap it up yeah i think we got through a lot there we did we totally did yeah um cool yeah thanks for thanks for bringing me on that journey oh yeah thanks for joining me like yeah this is such a fun format right being able to sort of like hack and wrap it together like yeah i really like the pair programming aspect to it yeah it's really cool it's fun um yeah so yeah thanks again for watching um if people have questions or they want to reach out or they have yeah support what like um yeah you can well we've yeah we've lots of places you can contact us um stripe dev on twitter um we're you know we're always monitoring there and answering questions come if you have any questions comments feedback please do reach out to us our twitter handles are right here cjav websquad there for cj matt lincoln just get there from me and you can also join in the conversation on our discord server um and there's tons of interesting uh folks conversation um there awesome so discord is discord.gg stripe um and then yeah thanks again so much for your time and attention and we will be back live again i think in a couple weeks but there's also going to be some other live streams there's a dev chat that happens at 5 00 p.m on every other tuesday so i think there's going to be some really exciting content coming out on that side too so yeah again thanks so much for watching and we'll see in the next one see you soon [Music] you

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