Migrate to USD bank transfers from a Direct Integration using the Sources or Charges API

Learn how to migrate your Sources API integration to USD Bank Transfers.

See Migrating from Sources-based Credit Transfers if you want to learn about the reasons to migrate.

Before you begin

Confirm if you’re currently using the legacy ACH Credit Transfers product:

Navigate to the list of payment methods in your Payment Method settings, and click the Eligible tab. If you don’t see ACH Credit Transfers in this list, you’re not using the ACH Credit Transfer product.
If ACH Credit Transfers is displayed in the list of available payment methods, check to see if you pass the ach_credit_transfer payment method type when integrating with the Sources API. If you’re not passing this payment method type, you’re not using the ACH Credit Transfer product.

If you’re not using ACH Credit Transfers with the Sources or Charges API, you can skip this guide because it doesn’t apply to you.

Activate USD bank transfers

To turn on bank transfer payments, navigate to your Payment methods settings.

OptionalTest bank transfers with an individual customer

Before you migrate, you can test bank transfers:

Create a test customer with a Credit Transfer source attached. Complete the steps in the integration guide of ACH Credit Transfer. Save the bank details of the Source from the ach_credit_transfer field of the object to refer to later.
Build the new Bank Transfers integration on Payment Intents by following the Accept a Payment guide with the test customer you created above. Your integration now supports Bank Transfers on Payment Intents, while still supporting the existing implementation on Sources.
After you test and confirm that the integration works, confirm if the bank details of the Credit Transfer Source have been migrated. Navigate to the customer details page in the Dashboard, and then expand Cash balance.
Click View balance details to find the funding instructions of the customer and confirm that they match the bank details of the Credit Transfer Source. You can also use the Funding Instructions API to get the funding instructions.

Drop the legacy integration

After you verify that the migration works for individual customers in both test and live mode, remove your Sources or Charges API integration. You can now rely entirely on the Bank Transfers integration on Payment Intents.