--- title: Accept pre-authorized debit payments in Canada (ACSS) with React slug: accept-pre-authorized-debit-payments-in-canada-acss-with-react published_at: 2021-05-19 17:00:13 +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 React 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 03:15 Scaffold the AcssDebit form component 04:50 Setup StatusMessages debugging component 05:18 Create the PaymentIntent on the server 06:18 Confirm the PaymentIntent on the client 07:58 Test ACSS payments 09:30 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 pre-authorized debit payments in Canada (ACSS) with React, PAD payments, pre-authorized debit, how to accept PAD Stripe, Stripe, Payments, payment method, React.js, Stripe React.js, @cjav_dev] views: 1097 author: CJ Avilla url: https://www.cjav.dev/videos/accept-pre-authorized-debit-payments-in-canada-acss-with-react youtube_url: https://www.youtube.com/watch?v=EwH4B3M0-bk youtube_id: EwH4B3M0-bk embed_url: https://www.youtube.com/embed/EwH4B3M0-bk thumbnail_url: https://i.ytimg.com/vi/EwH4B3M0-bk/hqdefault.jpg type: video --- # Accept pre-authorized debit payments in Canada (ACSS) with React *Published: May 19, 2021* *Views: 1097* ## Watch [Watch on YouTube](https://www.youtube.com/watch?v=EwH4B3M0-bk) [![Accept pre-authorized debit payments in Canada (ACSS) with React](https://i.ytimg.com/vi/EwH4B3M0-bk/hqdefault.jpg)](https://www.youtube.com/watch?v=EwH4B3M0-bk) ## Description In this episode, you'll learn how to confirm PaymentIntents on the front end with React 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 03:15 Scaffold the AcssDebit form component 04:50 Setup StatusMessages debugging component 05:18 Create the PaymentIntent on the server 06:18 Confirm the PaymentIntent on the client 07:58 Test ACSS payments 09:30 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 [Music] in this episode you'll learn how to implement a react client to accept a one-time pre-authorized debit in canada also known as acs debit payment with a custom form so 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 out of the box so in the example today we're going to assume that you already have a server set up for creating payment intents if you don't already have a server set up and you want to go take a look at one of our example integrations for the officially supported server languages we have links to those in the description acss payments expect a mandate to be created on the server so if you followed along with the basic steps for creating a payment intent on the server one modification you'll need to make is passing the payment method options argument with the mandate options for setting up an acss debit payment today we're going to pass in the payment schedule as sporadic and the transaction type as personal just to create a one-time payment without recurring or any of any of that so in the description of the video you're going to find links to gists showing how to set those payment method options for each of the seven officially supported server languages also before we get too far if you're using vanilla js on the web instead of react or if you're using ios or android we have videos about accepting payments with those clients also linked in the description so from a high level the steps for accepting acs payment are we're going to create the payment intent on the server and create its mandate and then we're going to collect the billing details and acknowledge that mandate on the client we're going to submit that data to stripe for processing and also to verify the customer's bank details and the flow here is going to vary a little bit from other payment method types because we need that bank verification step and that will either be immediate or it could also be delayed with micro deposits so done a little bit later using micro deposits all right so let's get started our server is up and running it has two end points that we're going to interact with today one is slash config for fetching our publishable keys and one is slash create payment intent which takes in the payment method type and the currency here we're going to pass a css debit as the payment method type and canadian dollars as the currency this endpoint is going to create the payment intent on the server and return just its client secret property which we'll use to confirm the payment on the client all right i'm going to fire up the client here we're using npm start from the client directory that's because this is a create react app base sample and this will use react scripts to start up a local running server just for our react client we can load that up at localhost 3000 and right now it's just rendering a link to this pre-authorized debit in canada but that that page doesn't actually render anything yet so let's take a look at what we've got so in app.js you'll notice that we are just serving a simple root route let's make a copy of that and add a new route for acss debit we're going to need to create a new acss debit component so let's head over and create a new file called acssdebit.js this is going to be a simple functional react component we're not going to take in any props right now but we are going to export with routers so that we could do any redirection from this component if we needed to any linking out we're simply going to render back some html that's going to have a header tag and a form tag to start with and when the form is submitted we'll call a function called handle submit we're going to make this an async function so that we can use async await inside of this handler and we're going to prevent defaults that the page doesn't load we also need to import react there so we can use jsx and on our form we're going to just collect two things we're going to collect the the customer's name and the customer's email address we're just using really basic react here for um you know setting the value of the input to the state for the name and then we're also going to um you know when that input element is changed we're going to set the state to the new state so we're just going to use basic react use state here and we're going to create our state and call it name and then we're going to make the setter called set name and we're going to use the same pattern for email so we're going to create separate inputs for the name and the email and this will allow us to just collect that name and email address in a very very simple react form here we'll add a little button at the bottom called pay the next thing i wanted to do is import status messages and use messages these are little helper functions that we've created for the sample purely for rendering a little statuses div below the form with some helpful display messages all the status messages component does is render out some some message some text message that was submitted to it it'll add a little bit of linking in there but for the most part it's just kind of like so that we don't have to use the javascript console all right so when the form is submitted we need to do two things we're going to create a payment intent on the server and we need to confirm the payment intent on the client so when the payment intent is created on the server it will return either a client secret property for the payment intent or this error property that's going to have a message that we can then log out to the console here we're going to alias that error as backend error so that we don't have a conflict a naming conflict when we go to interact with the error message that we're going to get back from confirming that card on the client next we need to pass in the payment method type as acss debit and the currency as canadian dollars again you could hard code this on the server we have structured the demo in such a way that we can displ that we can demonstrate several different payment method types and so we collect the payment method type of currency from the client however in practice you are most likely going to be hard coding this on the server the the payment method type and likely also the currency all right so in order to call stripe dot confirm acss debit payment we first need to uh have some instance of stripe.js now from index.js we're using the elements provider and so that will inject the instance of stripe down so that we can use the use stripe hook to get access to stripe now here when we handle submit we want to make sure that stripe has actually been loaded so we're going to use a little conditional here that says if there's no stripe object yet then just add a little message and return early saying that stripe hasn't been loaded yet otherwise we should be safe to use stripe.js here and call confirm acss debit payment now the first argument to this method is going to be the client secret property for that payment intent that we just got back from the server by passing in the client secret as the first argument and then in options block as the second argument we should be able to confirm this payment on the on the client so this options block is going to include additional information about the payment method including some billing details so we want to pass the name and email address that we collected while we were confirming this now confirm acss debit payment is going to return a promise that will resolve with either an error object or a payment intent object so what we can do is say if there was an error we'll log out again a message here otherwise we're going to again just log out a status message showing that the payment was what the id of the payment intent was and what its status is all right let's take it for a spin so we're going to click pay and that will open up a modal and this modal is going to allow us to simulate in test mode what it would be like to accept an acss payment so we can either go through the process of manually verifying and submitting some bank account details and then using micro deposits to verify we could also simulate logging into the bank and you'll see down here that there is you know test email or test username and password that you can fill out in order to simulate that bank authorization or you could just click on this simulate and pay button to create a successful payment intent or to create a payment intent that's in the processing state now acss debit by default takes several days to actually confirm payment it'll be in this pending state for a while so if we head over to the documentation for accepting a payment with acss debit you'll notice that under this testing your integration section there's several test email addresses that we can pass in as the customer's email address that will force different scenarios so if we were to update the email address that we're passing to include plus skip waiting which when it confirms it will process that payment much quicker now we'll see that when the payment is viewed in the dashboard initially it is in the pending state it takes a few seconds maybe 30 seconds to a minute for this to transition into a success state so we'll see that as we keep refreshing the page here the payment does eventually transition to succeeded and we do see that we have a successful payment um because we passed that special skip waiting email alias all right so as a quick recap in app.js we added a new route that renders this acss debit component in the acss debit component we added a form element that included two controls to collect the name and email address we also added a status messages component here at the bottom of the page for rendering some helpful messages then we handled the submission of that form where we said the first thing we want to do is create a payment intent on the server with acss debit as the payment method type and cad as the currency then we confirmed the payment intent on the client using this confirm acss debit method at this point you should be fully equipped to go and build a react form or react application to accept acss debit which is again the pre-authorized debit in canada thanks so much for watching and we'll see you next time [Music] you --- [Back to all videos](https://www.cjav.dev/videos) --- ## Hey Agent, thanks for visiting! 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