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Beyond payments

Migrate existing bank accounts

Learn how to migrate existing bank accounts to the Payment Intents API or Checkout Sessions API.

Stripe is removing support for ACH Direct Debit using legacy integrations.

If you create legacy ACH Direct Debit payments, you must migrate to the Payment Intents API or Checkout Sessions API.

If you previously collected customer payment details with Stripe using the Tokens API, you can continue using the saved BankAccount as a PaymentMethod.

You can only use customer bank accounts with the Payment Intents API or Checkout Sessions API after you meet the following requirements:

  • Checkout Sessions API: The customer’s bank account has been verified.

  • Payment Intents API: The customer’s bank account has been verified, and an active mandate exists for that bank account.

You don’t need to re-verify Bank Accounts that are already verified to use them with Payment Intents or Checkout Sessions.

Use Checkout Sessions

To display previously saved and verified bank accounts in Checkout, you need to:

  • Create a Checkout Session with a customer parameter
  • Set the filters to ['unspecified', 'always']
  • Specify us_bank_account in payment_method_types

When these requirements are met, Checkout automatically finds and displays all saved, verified bank accounts associated with that customer, eliminating the need to recollect payment details.

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/checkout/sessions \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d mode=payment \
  -d ui_mode=custom \
  -d customer=
"{{CUSTOMER_ID}}"
 \
  -d "payment_method_types[0]"=us_bank_account \
  -d "line_items[0][price_data][currency]"=usd \
  -d "line_items[0][price_data][product_data][name]"=T-shirt \
  -d "line_items[0][price_data][unit_amount]"=1099 \
  -d "line_items[0][quantity]"=1 \
  -d "saved_payment_method_options[allow_redisplay_filters][0]"=unspecified \
  -d "saved_payment_method_options[allow_redisplay_filters][1]"=always \
  --data-urlencode return_url="YOUR_DOMAIN/complete?session_id={CHECKOUT_SESSION_ID}"

If the customer has an email attached, the customer’s email is prefilled in the Session and can’t be modified. You must check for an email and render your email input field accordingly.

const {checkout} = useCheckout();
const currentEmail = checkout.email;

if (currentEmail) {
  return <input value={currentEmail} readOnly />;
}

Retrieve a BankAccount as a PaymentMethod

You can retrieve saved BankAccounts through the Payment Methods API:

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/payment_methods/
{{BANK_ACCOUNT_ID}}
 \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:"

When using a BankAccount as a PaymentMethod, no new objects are created. The Payment Methods API simply provides a different view of the same underlying object.

{
  "id": "ba_1IsleZ2eZvKYlo2CI3To1g72",
  "object": "payment_method",
  "billing_details": {
    "address": {
      "city": null,
      "country": null,
      "line1": null,
      "line2": null,
      "postal_code": null,
      "state": null
    },
    "email": null,
    "name": "Jenny Rosen",
    "phone": null
  },
  "us_bank_account": {
    "last4": "6789",
    "routing_number": "110000000",
    "fingerprint": "1JWtPxqbdX5Gamtc",
    "account_holder_type": "individual",
    "bank_name": "STRIPE TEST BANK",
  },
  "created": 123456789,
  "customer": "cus_CY5bH92D99f4mn",
  "livemode": false,
  "metadata": {},
  "type": "us_bank_account"
}

Invoices

After you collect mandate acknowledgment, to continue using Invoicing you must either update your customer’s default payment method or set the default_payment_method parameter.

To update a customer’s default payment method:

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/customers/
{{CUSTOMER_ID}}
 \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "invoice_settings[default_payment_method]"=
"{{BANK_ACCOUNT_ID}}"

To create an invoice with a bank account as a payment method:

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/invoices \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d customer=
"{{CUSTOMER_ID}}"
 \
  -d default_payment_method=
"{{BANK_ACCOUNT_ID}}"

Subscriptions

After you collect mandate acknowledgment, to continue using Subscriptions, you must either update your customer’s default payment method or set the default_payment_method parameter.

To update a customer’s default payment method:

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/customers/
{{CUSTOMER_ID}}
 \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "invoice_settings[default_payment_method]"=
"{{BANK_ACCOUNT_ID}}"

To create an subscription with a bank account as a payment method:

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/subscriptions \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d customer=
"{{CUSTOMER_ID}}"
 \
  -d default_payment_method=
"{{BANK_ACCOUNT_ID}}"
 \
  -d "items[0][price]"=price_1MowQULkdIwHu7ixraBm864M

Identify Legacy ACH Payments

On a Charge object, the payment_method_details.type property is ach_debit for the legacy integration and us_bank_account for the newer integration.

A legacy ACH payment is created when a legacy BankAccount is the payment source. This happens when:

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