Migrating from another processor

If you have verified bank accounts that you’ve used to process ACH Direct Debit payments on another processor, you can migrate them to Stripe to begin accepting payments.

You and Stripe both share responsibility for maintaining proof of authorisation to debit, as well as verification of the bank account.

Request a data migration with Stripe

Stripe works with you and your current payment processor to migrate data into your Stripe account. After the import completes, Stripe provides you with a CSV or JSON Mapping File to help you match the old customer IDs to the imported Stripe object IDs.

To request this option, submit an intake form and select the ACH payment type.

Manually migrate bank accounts from another payment processor

If you choose to migrate yourself, Stripe temporarily allows you to bypass bank account verification. To request this temporary capability, contact Stripe support and include details about how your business:

• Collects authorisation from customers
• Verifies customer bank accounts

After Stripe enables this option, process each bank account and create a SetupIntent for each account:

1. Create a new Customer object or retrieve an existing one to associate with this bank account.

curl -X POST https://api.stripe.com/v1/customers \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:"

1. Create and confirm a SetupIntent with your saved bank account details and the date of your customer’s original authorisation to debit the account.

curl https://api.stripe.com/v1/setup_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "payment_method_types[]"=us_bank_account \
  -d customer={{CUSTOMER_ID}} \
  -d confirm=true \
  -d "payment_method_options[us_bank_account][verification_method]"=skip \
  -d "payment_method_data[type]"=us_bank_account \
  -d "payment_method_data[billing_details][name]"={{ACCOUNT_HOLDER_NAME}} \
  -d "payment_method_data[us_bank_account][routing_number]"={{ROUTING_NUMBER}} \
  -d "payment_method_data[us_bank_account][account_number]"={{ACCOUNT_NUMBER}} \
  -d "payment_method_data[us_bank_account][account_holder_type]"=individual \
  -d "mandate_data[customer_acceptance][type]"=offline \
  -d "mandate_data[customer_acceptance][accepted_at]"=1692821946

1. Retrieve and store the PaymentMethod ID from the response to use for future payments. You can also retrieve it by listing all PaymentMethods for the customer.