Migrating from the Charges API

If you previously collected customer payment details with Stripe using the Bank Accounts API, you can continue using the saved BankAccount as a PaymentMethod. You can use customer bank accounts with the Payment Intents API after you meet the following requirements:

1. The customer’s bank account has been verified.
2. An active mandate exists for that bank account.

Compatibility with the Bank Accounts API

Create a PaymentIntent with a Bank Account

Bank Accounts that are already verified and have been attached to a Customer are usable in any API that accepts a PaymentMethod object. You can use a saved BankAccount as a PaymentMethod when creating a PaymentIntent. This eliminates the need to recollect payment details. However, make sure that you also update your integration to begin creating PaymentMethods instead.

curl https://api.stripe.com/v1/payment_intents \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "amount"=1099 \
  -d "currency"="usd" \
  -d "customer"="{{CUSTOMER_ID}}" \
  -d "payment_method_types[]"="us_bank_account" \
  -d "payment_method"="{{BANK_ACCOUNT_ID}}"

Similarly, you can use a saved BankAccount as a PaymentMethod when creating a SetupIntent.

curl https://api.stripe.com/v1/setup_intents \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "payment_method_types[]"="us_bank_account" \
  -d "customer"="{{CUSTOMER_ID}}" \
  -d "payment_method"="{{BANK_ACCOUNT_ID}}"

Collect mandate acknowledgement

Confirming a PaymentIntent or SetupIntent requires having your customer authorize a mandate to debit the account. Learn more about SEC codes to understand which authorization type is right for your business.

In some cases, you might have pre-authorization from your customer from an earlier purchase or SetupIntent that you can use to create an off-session payment. For example:

• If you previously collected an online mandate from the customer, you can use both the IP address and user agent information to create a mandate object.
• If you previously collected payment and mandate information offline on paper, you can create a PPD mandate.

To create an off-session payment, you can use offline mandate acceptance to provide a record of your customer’s original authorization.

Authorization is only required the first time you use a BankAccount object with the PaymentIntents API. After that, you can use the BankAccount object as a PaymentMethod to accept future payments.

curl https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}}/confirm \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "mandate_data[customer_acceptance][type]"="offline" \
  -d "mandate_data[customer_acceptance][accepted_at]"="{{ACCEPTANCE_TIMESTAMP}}" \
  -d "payment_method_options[us_bank_account][mandate_data][collection_method]"="paper"

Retrieving a BankAccount as a PaymentMethod

You can retrieve saved BankAccounts through the Payment Methods API.

curl https://api.stripe.com/v1/payment_methods/ba_1IsleZ2eZvKYlo2CI3To1g72 \
  -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"
}