• Resolved mgowell

    (@mgowell)


    We added the ACH payment option. The first customer who used it just had their payment fail (about 6 days after they made the initial purchase). In Woo, we are seeing an error code “The customer’s bank account could not be located.” but Stripe does not show any error code at all.

    I’m trying to better understand how the account could not be located given that the customer had to login to their bank in order to setup the ACH payment in the first place.

    Do we have something configured incorrectly here or are we missing a step somehow?

    Thanks!

Viewing 5 replies - 1 through 5 (of 5 total)
  • Plugin Author Clayton R

    (@mrclayton)

    Hi @mgowell,

    Was this a regular product or subscription product?

    Have you configured your webhook per the documentation?

    You may have to reach out to Plaid regarding this issue since they are the processor that Stripe uses for ACH payments. That’s not a plugin generated error.

    If you look at the postmeta table and search for the post_id using the order, is there a _payment_method_token entry for the order?

    Kind Regards,

    Thread Starter mgowell

    (@mgowell)

    Hi!

    Thank you for your help!

    It is for a subscription product. I just double checked the webhook in stripe and it appears that I was missing “charge.refunded” however the other four source.chargeable, charge.succeeded, charge.failed, payment_intent.succeeded were configured.

    The webhook does not appear to have an errors looking in the Stripe dashboard however it is using a slightly outdated version of the Stripe API.

    I looked up the order in the postmeta table and I am seeing a value for payment_method_token. It appears that the subscription itself shows the same saved payment method token as well when I look in WooCommerce.

    We did contact Plaid to ask about how to see errors and understand why they happened but they were not terribly helpful. That said I don’t know that I really had the right questions to ask them or a good idea of where the issue was exactly.

    Thanks again!

    Plugin Author Clayton R

    (@mrclayton)

    Hi @mgowell,

    Did you have Plaid Production enabled in the Plaid Settings of the Stripe plugin when that payment was made? You must be approved by Plaid in order to enable production.

    I am wondering if that payment token that represents the bank was created in development mode.

    Kind Regards,

    Thread Starter mgowell

    (@mgowell)

    Yes we do have production enabled and a production account with Plaid.

    I guess from here we would need to contact Plaid for assistance? Is there any kind of situation in which if a user’s name was different at their bank than it was entered in at checkout, the account would not connect?

    Plugin Author Clayton R

    (@mrclayton)

    Hi @mgowell,

    I’d like you to check the following things:

    1. Login to your Stripe account and lookup the customer associated with the subscription.
    2. Verify that they have a bank account saved in Stripe
    3. If the customer has a bank account associated with them in Stripe, verify that their payment method’s ID matches the value stored in postmeta _payment_method_token

    If everything looks above board you will need to contact Plaid and ask them to provide more details regarding that error.

    Kind Regards,

Viewing 5 replies - 1 through 5 (of 5 total)

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