--- title: Accept Pre-authorized debit in Canada (ACSS) with Stripe.js slug: accept-pre-authorized-debit-in-canada-acss-with-stripe-js published_at: 2021-05-19 17:00:09 +0000 updated_at: 2023-01-30 22:53:32 +0000 summary: description: In this episode, you'll learn how to confirm PaymentIntents on the front end with HTML and JavaScript to accept payment with Pre-authorized debit (PAD), also known as ACSS. This is a popular local payment method type in Canada. Watch one of these episodes to learn the server side steps required to create a PaymentIntent using the Stripe API with one of the officially supported client libraries: Ruby - https://youtu.be/079khYtqWPo Python - https://youtu.be/Tgjwx-38Dic Node.js - https://youtu.be/WG4ehXSEpz4 Go - https://youtu.be/cbsCxLDL4EY Java - https://youtu.be/-uyXCnPXegE .NET - https://youtu.be/mqEjRgoZWdo PHP - https://youtu.be/BPfpPGl85tk ### Resources ACSS PaymentIntent creation: https://gist.github.com/cjavilla-stripe/20c7d9ccd31cd3f39a4f7d0cb066b2b8 Official documentation: https://stripe.com/docs/payments/acss-debit/accept-a-payment Code: https://github.com/stripe-samples/accept-a-payment/blob/main/custom-payment-flow/client/html/acss.js ### Table of contents 00:00 Introduction 02:12 Verify the server endpoints 02:44 Create acss.html with a form 04:03 Initialize an instance of Stripe 04:14 Add a submit handler for the form 04:26 Create the PaymentIntent on the server 05:00 Confirm the PaymentIntent on the client 05:52 Test ACSS payments 08:18 Recap ### Presenter CJ Avilla - Developer Advocate at Stripe - https://twitter.com/cjav_dev ### 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, Accept a payment tutorial, Accept pre-authorized debit in Canada, Accept Canadian pre-authorized debit payments, PAD payments, Accept ACSS payments, ACSS Payments, acss_debit, ACSS debit payments, How to accept pre-authorized debit payments, Using Stripe to accept ACSS debit payments, @cjav_dev] views: 1715 author: CJ Avilla url: https://www.cjav.dev/videos/accept-pre-authorized-debit-in-canada-acss-with-stripe-js youtube_url: https://www.youtube.com/watch?v=KWhynzGP5bw youtube_id: KWhynzGP5bw embed_url: https://www.youtube.com/embed/KWhynzGP5bw thumbnail_url: https://i.ytimg.com/vi/KWhynzGP5bw/hqdefault.jpg type: video --- # Accept Pre-authorized debit in Canada (ACSS) with Stripe.js *Published: May 19, 2021* *Views: 1715* ## Watch [Watch on YouTube](https://www.youtube.com/watch?v=KWhynzGP5bw) [![Accept Pre-authorized debit in Canada (ACSS) with Stripe.js](https://i.ytimg.com/vi/KWhynzGP5bw/hqdefault.jpg)](https://www.youtube.com/watch?v=KWhynzGP5bw) ## Description In this episode, you'll learn how to confirm PaymentIntents on the front end with HTML and JavaScript to accept payment with Pre-authorized debit (PAD), also known as ACSS. This is a popular local payment method type in Canada. Watch one of these episodes to learn the server side steps required to create a PaymentIntent using the Stripe API with one of the officially supported client libraries: Ruby - https://youtu.be/079khYtqWPo Python - https://youtu.be/Tgjwx-38Dic Node.js - https://youtu.be/WG4ehXSEpz4 Go - https://youtu.be/cbsCxLDL4EY Java - https://youtu.be/-uyXCnPXegE .NET - https://youtu.be/mqEjRgoZWdo PHP - https://youtu.be/BPfpPGl85tk ### Resources ACSS PaymentIntent creation: https://gist.github.com/cjavilla-stripe/20c7d9ccd31cd3f39a4f7d0cb066b2b8 Official documentation: https://stripe.com/docs/payments/acss-debit/accept-a-payment Code: https://github.com/stripe-samples/accept-a-payment/blob/main/custom-payment-flow/client/html/acss.js ### Table of contents 00:00 Introduction 02:12 Verify the server endpoints 02:44 Create acss.html with a form 04:03 Initialize an instance of Stripe 04:14 Add a submit handler for the form 04:26 Create the PaymentIntent on the server 05:00 Confirm the PaymentIntent on the client 05:52 Test ACSS payments 08:18 Recap ### Presenter CJ Avilla - Developer Advocate at Stripe - https://twitter.com/cjav_dev ### 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 in this episode you'll learn how to implement an html and javascript client to accept a one-time pre-authorized debit payment in canada also known as acss debit with a custom form if you're interested in a faster integration path for accepting payments head over to the checkout playlist in the stripe developers channel as stripe checkout supports acss debit as a payment method out of the box in this example we're going to assume that we have a server set up and we're able to create payment intents on the server and we want to add support for accepting the acss payment method type on the front end if you don't already have a server implemented take a look at one of those example integrations in our officially supported server languages one thing to note acss payments expect that a mandate is also created on the server so if you've followed along with the basic steps for creating the payment intent the one modification you'll need to make is passing an additional argument payment method options with the mandate options for setting up an acss debit in the description of the video you'll find links to a couple of gists showing how to add the payment method options for each of the seven officially supported server languages also before we get too far if you're looking to implement a css debit with react or ios or android we have videos for accepting payments with those clients linked in the description so from a high level the steps to accept a payment with acss are we're going to create a payment intent on the server with a mandate then we're going to collect the billing details and the mandate acknowledgement on the front end we're going to submit those details to stripe for processing and we may also need to verify the customer's bank details so the flow for acss is just a little bit different from some of the other payment method types we've talked about before because it has this bank verification step that can either be immediate or completed with micro deposits all right so we've got our server up and running it has two endpoints that we're going to interact with today one is slash config for fetching publishable keys and one is create payment intent which takes a payment method type and a currency as arguments so here we're going to pass acss underscore debit and cad for canadian dollars the endpoint is going to create a payment intent on the server and return just its client secret property which we're going to use to confirm the payment on the client all right so let's take a look at what we've already got in this project right now we have a very simple index.html file that is just currently linking out to this acss.html which doesn't yet exist so let's go create a css.html and we're just going to scaffold a very simple html page first we're going to import stripe.js then we're going to add a script tag to import utils.js this utils.js file is simply a little helper for adding display messages in this div that we have next we're going to import acss.js another script that we're going to create this is going to be where we're going to spend most of our time today is implementing the javascript for accepting a one-time payment finally we'll throw in a little bit of css that we've written pre pre-recording we'll start out the html really simple we're just going to have a header tag saying what the payment method type is and we'll scaffold out a really basic form and this payment form is going to have two inputs it'll have one input collecting the the name for the customer it'll have one input collecting the email address of the customer and finally we're going to add a div here to the bottom of our html that simply is a placeholder for some messages that we're going to log out to the ui so that we don't have to check the the javascript console all right let's head over to acss.js and start implementing the javascript for accepting these pre-authorized debits in canada the first thing we want to do is add an event listener that will fire when all the content is loaded on the dom and we're going to initialize an instance of stripe with our publishable key then we'll grab reference to that payment form that we created earlier and create a submit handler for the form we're going to prevent default here so the page doesn't fully reload now when the form is submitted we want to do two things first we're going to make a call to the server to create a payment intent on the server and second we're going to attempt to confirm that payment on the client now we're just going to use the fetch api here to create a post request that we're going to send to create payment intent and we're going to pass in the payment method type of acss debit and the currency of cad and we're going to get back a client secret property or an error property we're going to alias this as back-end error and this is going to have the same shape as errors returned directly from stripe.js if there is an error then we'll log that out to our little messages div and return early if there's no error and we've successfully created a payment intent then we're going to use that client secret to call stripe dot confirm acss debit payment so the first argument is that client secret property we got back for the payment intent and the second property is an options block where we're going to pass in some details about the payment method namely we're going to pass in the billing details including the name and email that we collected earlier for the customer confirm acss debit payment returns a promise that will resolve with either a payment intent or an error so we're going to pull off that error property and the payment intent property and then if there's an error we want to again log that out to our messages div and return early otherwise we are going to log the id of the payment intent and its status all right let's take this thing for a spin so i'm going to click on the pay button this will open a modal and give us a few different ways that we can test out the payment flow so we can either manually verify we're going to enter in some test numbers these test details are available on the acss accept a payment guide in the stripe documentation so you can go through and fill out some test account numbers to to try that out alternatively when we push pay we could also click agree and then we can simulate a bank account login or we can simulate a successful verification when we go to simulate the bank account login we'll be presented with a couple of different flows where we have a username that we can copy and paste in here and a password we can copy and paste and then continue we'll even have a some answers to questions that we could type in canada and then click continue and that will simulate as if we had connected to our bank and then allows us to even select which bank account we want to connect to so this is sort of like the the immediate verification but there is yet another way that we can test this that's a little bit quicker so i'm going to hit refresh and click pay again every time we submit the form a new payment intent is being created on the server which allows us to go through the payment flow one more time so we can just simply click simulate successful verification and then click pay and that will again create another payment intent for us let's pop that up in the stripe dashboard and take a look so we're going to see initially that this payment is pending now there are a couple of special email addresses that you can use to skip the pending state so again from the guide you can you can pass in some of these test email addresses where we can sort of like add skip weighting to the email address and that will allow us to simulate different test scenarios so you'll want to go through the test your integration section of the accept a payment guide for acss debit to look at different ways that you can try out different payment flows and different payment states that you might expect here so let's take a look at this one we'll pop it up in the dashboard for this case we used skip waiting again it's still going to take a little bit of time for the the payment to succeed but there we now we have a successful payment so it's just a few seconds there to go through the verification in test mode with that special email address so yeah that should be helpful all right so in review we added a new acss.html file that had this payment form where we collected the name and email address from the customer we dropped in a couple of script tags here for pulling in utils and acss.js and we had a little messages div at the bottom for displaying these messages in the ui next we went over and created this acss.js file where we initialized an instance of stripe then we waited for the submission of the form and then did two things first we made a call to the server passing back the payment method type for acss debit and the currency as canadian dollars and then we confirmed the payment client side using this method from stripe.js confirm acss debit payment where we passed in the payment method details and the client secret that we got back for the payment intent and we added just a little bit of logging for errors both from our server and from stripe in the case that some sort of step in that process failed so at this point you are fully equipped to build a custom form to accept acss or pre-authorized debit in canada thanks so much for watching and we'll see you next time --- [Back to all videos](https://www.cjav.dev/videos) --- ## Hey Agent, thanks for visiting! 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