How to add ACH Direct Debit as payment method in Flutter using Flutter Stripe?

Question

I am using Stripe as payment processor for my Flutter app. I have made the card part working. Now I am trying to allow customers to add ACH Direct Debit as payment method and ran into some difficulties.

There are bits and pieces of information here and there. But I could not find a clear explanation of the workflow in the front end and the back end. I was trying to follow the workflow for adding a card. But Stripe.instance.presentPaymentSheet() fails with not informative exception (It only says it failed because of some unexpected error.) I also searched and found some articles saying I should use Stripe.collectBankAccount() or Stripe.collectFinancialConnectionAccounts(), which I tried with no success.

The general workflow is as follows:

On the server side, create a setup intent for ACH (Firebase Cloud Function using TypeScript)

    const intent = await stripe.setupIntents.create({
      customer: stripeCustomer.id,
      payment_method_types: [
        'us_bank_account',
      ],
      payment_method_options: {
        us_bank_account: {
          financial_connections: {
            permissions: ['payment_method'],
          },
        },
      },      
    });
    
    // get customer ephemeral key
    const customerEphemeralKey = await stripe.ephemeralKeys.create({
      customer: stripeCustomer.id,
    }, {
      apiVersion: stripeConfig.stripeApiVersion,
    });
    
    return {
      status: "success",
      statusCode: 200,
      clientSecret: intent.client_secret,
      customerId: stripeCustomer.id,
      customerEphemeralKeySecret: customerEphemeralKey.secret,
    };

On the client side, present some kind of UI for the user to provide the bank information (Flutter). Here is where I failed. I tried Stripe.instance.presentPaymentSheet(), Stripe.instance.collectBankAccount(), and Stripe.instance.collectFinancialConnectionsAccounts(). None of them worked.

Any insight/tips on how to make ACH work on Flutter with Stripe will be highly appreciated.

Thanks!

Hi @BlackJerry, were you able to find a solution for this? Does Stripe.instance.presentPaymentSheet() work when the payment method ID or SetupIntent is for a us_bank_account bank account instead of a card? — Axes Grinds
– Axes Grinds, Commented Jun 1 at 0:41

qichuan · Accepted Answer · 2025-04-21 05:17:09Z

1

You'll want to visit https://dashboard.stripe.com/test/logs and see if there are any errors related to SetupIntent confirmation. Another thing that you'll want to confirm is that your Stripe account is created in a supported country, and your flutter project has included the financial-connection dependency in both Android and iOS.

answered Apr 21 at 5:17

qichuan

2,1771 gold badge14 silver badges12 bronze badges

Sign up to request clarification or add additional context in comments.

Collectives™ on Stack Overflow

How to add ACH Direct Debit as payment method in Flutter using Flutter Stripe?

1 Answer 1

Comments

Your Answer

Hot Network Questions

Collectives™ on Stack Overflow

1 Answer 1

Comments

Your Answer

Sign up or log in

Post as a guest

Related