Stripe ACH Credit

[M.Engelsen]

It looks like the Stripe ‘Subscription’ and ‘Pay Now’ buttons are configured to prompt the customer for a credit card. Has anyone created a Stripe/Simple Membership integration that prompts (or allows) the customer to pay via a checking account? (ACH Credit Transfer)

[The Assurer]

ACH on Stripe is only supported for businesses in the United States, and only for US bank accounts. Furthermore, ACH is a “delayed payment notification method,” that can take up to FOUR DAYS to approve. Furthermore, Stripe advises that ACH is not a guaranteed payment method. I’m not sure you really want this for your members.
https://stripe.com/docs/payments/ach-debit

[M.Engelsen]

I was hoping to use the ACH credit instead of ACH debit. ACH credit transactions can be executed in less time (1-3 days).
https://stripe.com/docs/sources/ach-credit-transfer

Additionally, ACH credit transfers are push-based and support reoccurring payments. ACH direct debits are a pull-based and there is a risk of failed payments and disputes.

In my case, our “customers” are homeowners who are a part of a home owners association (HOA). Our HOA fee is $250. As such, I would like the ability to offer the customer the ability to pay $258 if paying with a credit card or $252 if paying via a checking account (ACH credit).

In other words, the Strike credit card fee (2.9% + $0.30) can add up when the “product” is $200+. However, the ACH fees are much lower (0.08%).

In our case, all HOA members are US based.

[The Assurer]

In any case; this would have to be a custom work order. Please complete a request for a Paid Support quote and a developer will contact you, with a quote.
https://simple-membership-plugin.com/paid-support-simple-membership-plugin/

[M.Engelsen]

Currently, does the Stripe Subscription button rely on the:
Sources API
Tokens API
Bank Accounts API

Or does the button utilize the “Payment Intents” API?
https://stripe.com/docs/payments/bank-debits#migrating-from-sources-tokens-charges

[The Assurer]

<blockquote<Currently, does the Stripe Subscription button rely on the:
Sources API
Tokens API
Bank Accounts API
Yes, please refer to the classes/class-swpm-member-subscriptions.php file.

We also use the travis-ci.org Stripe Gateway code, found on GitHub, which you will find in the lib/stripe-gateway directory.

Any further coding related questions, is beyond the scope of the free support forum, and requires a Paid Support ticket:
https://simple-membership-plugin.com/paid-support-simple-membership-plugin/

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