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March 3, 2023
Automated Clearing House (ACH) payments allow you to receive payments directly from a customer’s bank account instead of using credit or debit cards. ACH payments are provided with lower fees than card payments but require additional payer verification and introduce longer delays of payment and refund.
With Stripe ACH, you can do the following:
Stripe supports ACH payments, and you can integrate it through your form. Stripe used Plaid for bank account verification to get ACH payments.
ACH payments require a verification process for the payer’s bank accounts. Plaid allows payers to instantly verify their bank accounts, allowing you to charge them immediately. The verified bank account is used by Stripe later for the charging process.
Setting up Stripe ACH is relatively easy. Here’s how:
Visit the following article from Plaid for the difference between these environments.
Your customers must choose their bank, authenticate, and select an account as a funding method. Once done, they can submit the form. See the below short GIF for the payment flow:
The main requirement in setting up the integration is ensuring that you have Stripe enabled with Plaid. Below are the steps to do that:
After enabling Stripe, get your Plaid keys by following the steps below:
Copy the Sandbox Secret if you plan on setting up the integration in a Sandbox environment. Otherwise, copy the Development Secret.
You can access the Developers section and get the Secret API key by following the steps below:
Toggle your API Keys to test data and copy the Test Secret Key if you want to test Plaid in a sandbox environment.
The last critical thing you must do is to add an Endpoint URL to your Stripe Webhook settings. It tells the status of each payment from Pending to Succeeded between Jotform and Stripe. Without it, your form will always record the payments as Pending.
https://ipn.jotform.com/ipns/stripeACH_Plaid.phpas the endpoint URL.
For additional security, you must also obtain the Plaid Signing Secret Key. The Stripe ACH integration requires this as well.
After saving the endpoint URL, you will see the Signing secret on the main Webhook dashboard. Click the Reveal link, and copy the key.
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I'm doing a Stripe ACH with Plaid. Everything works well except: The account name after connection says "Test", and when I go to Stripe Payments under Customer it says "None".
How do I get the Account name to show up on the Jotform after the connection and before the Submit, and also have the name show up in Stripe Payments???
Can you use this integration to verify the bank account and charge Zero dollars/ or hide the chargeable amount while completing the form but use Stipe to charge the customer the billable amount later on??
I too had questions about which "Event" should be selected for my webhook endpoint. After looking at all my options on Stripe, I chose order.created. I think that's the most logical one. I'm open to be told a better option.
Note: you can always go back and change the event.
When adding the webhook end point, which Events to send should be selected?
What about starting a monthly subscription with the customer? Possible using your form? Thanks