Migrating your Standard Connect integration to USD Bank Transfers

Learn how to migrate your ACH Credit Transfer Standard Connect integration to USD Bank Transfers.

Reasons to migrate

If your Connect platform integrates with Standard connected accounts using ACH Credit Transfers, you can migrate to USD Bank Transfers. USD Bank Transfers enables your connected accounts to benefit from the most up-to-date bank transfer experience. To learn more about the improvements we added to the USD Bank Transfers product, see Migrating from Sources-based Credit Transfers.

Impact of not migrating

If you don’t migrate to Bank Transfers, you can continue to use the legacy ACH Credit Transfer product. Legacy means we won’t add new functionality to the ACH Credit Transfer going forward. To stay up to date, we recommend integrating with US bank transfers instead.

If you don’t migrate to Bank Transfers, Stripe prevents your connected accounts from having compatibility issues:

Users who are currently connected to your platform won’t be able to request access to Bank Transfers through the Dashboard.
Users who’ve used Bank Transfers with one or more customers won’t be able to connect to your Stripe platform.

Stripe will remove these restrictions from your platform after your integration is ready to accept Bank Transfer payments.

Impact on the ACH Credit Transfers customers of your connected accounts

If you migrate, Stripe keeps the same bank account information for the customers of your connected accounts, which streamlines the process for them. If you don’t migrate, your connected account’s customers can still send funds using the legacy ACH Credit Transfer product.

Before you begin

To confirm if you’re using the legacy ACH Credit Transfers product, see the applicable Before you begin sections for:
- Migrate from the Sources API
- Migrate with invoicing or Billing
To confirm that you’re currently using Connect with Standard connected accounts, navigate to the Accounts overview and filter by account type. If your Live mode account list includes Standard accounts with status Complete or Enabled then you’re using Standard Connect.
To confirm that you’re using direct charges on Standard Connect, verify the following:
- If you’re using the API to create charges, the request includes the connected account ID as part of the Stripe-Account header.
- You create charges on the connected account rather than your Stripe account.
- The funds from these charges (minus Stripe’s fees) are directly available in the connected account’s balance.
If you’re not using ACH Credit Transfers with direct charges for Standard connected accounts, this guide doesn’t apply to you. If you’re using ACH Credit Transfers in other Connect configurations, see Migrating from Sources-based Credit Transfers.

Migrate to Bank Transfers integration

Use this guide to build a Bank Transfers integration alongside your existing ACH Credit Transfer integration. Use the new integration to migrate all the existing ACH Credit Transfer customers of your connected accounts to the new payment method.

Create a test Standard connected account

Create a test mode Standard connected account for the purpose of testing the new integration.

Build a Bank Transfers integration

Create a test customer:

Create an ACH Credit Transfer source and attach it to the customer
Complete the steps in the integration guide of ACH Credit Transfer. Make sure to pass the Stripe-Account header in the API requests that create and attach the source to the customer. Save the bank details of the Source from the ach_credit_transfer field of the object to refer to later.

Create and confirm a PaymentIntent

At this point, you’re able to create and confirm a bank transfers PaymentIntent on the customer object of the connected account following the respective step in the Accept a payment guide. The Stripe-Account header must be passed in order to create the PaymentIntent on the customer of the connected account.

Creating a test mode customer_balance PaymentIntent always succeeds. However, in live mode direct charges require the connected account itself (not the platform) to have activated Bank Transfers. Hence, before creating the PaymentIntent on the connected account, the platform must use the bank_transfer_payments capability to determine whether this is the case. If Bank Transfers isn’t activated, your integration logic could fall back to the legacy ACH Credit Transfer payment method.

server.py
import stripe

stripe.api_key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"



def funding_instructions(connected_account: str, customer: stripe.Customer) -> dict:
    bank_transfer_payments_capability = stripe.Account.retrieve_capability(
        connected_account,
        "us_bank_transfer_payments",
    )

    if bank_transfer_payments_capability["status"] == "active":
        pi = stripe.PaymentIntent.create(
            stripe_account=connected_account,
            amount=1099,
            currency="usd",
            customer=customer["id"],
            payment_method_types=["customer_balance"],
            payment_method_data={
                "type": "customer_balance",
            },
            payment_method_options={
                "customer_balance": {
                    "funding_type": "bank_transfer",
                    "bank_transfer": {
                        "type": "us_bank_transfer",
                    },
                },
            },
            confirm=True,
        )

        return pi.next_action["display_bank_transfer_instructions"]
    else:
        source = stripe.Source.retrieve(
            stripe_account=connected_account, id=customer["default_source"]
        )
        return source["ach_credit_transfer"]

Confirm that the integration works
After you test and confirm that the integration works, check 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. The bank details of the Cash balance should match the ones obtained from the Source in Step 2.
The customer of the connected account has been successfully migrated.

Contact Stripe

After you’ve built, tested, and deployed your integration to production, and have successfully served live traffic, please reach out to Stripe to let us know that your integration is compatible with Bank Transfers. We’ll make sure that your integration is working as expected and lift the restrictions imposed on your connected accounts. We’ll also activate Bank Transfers for all your connected accounts, which allows you to completely stop supporting the legacy payment method.