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Comment by tbrooks | Hacker News Reader

pc, it appears that the Stripe client libraries do not support Balanced-like features.

i.e. ACH debits, marketplaces, etc.

Migrating over to Stripe sounds great, but having these libraries updated with the proper endpoints seems like a must.

Our bindings actually do support ACH debits. The "source" parameter is a universal param for any kind of incoming payment mechanism. See https://stripe.com/blog/unifying-payment-types-in-the-api for details.

Specifically, for those in the ACH beta you can put a customer's bank account token in that field to charge their bank account.

Will I have the ability to debit ACH w/o verification?

(I currently have this ability with Balanced. Also have very low fraud, chargeback, etc.)

Ahh, you're right.

To make an ACH debit, you'd need to verify a bank account beforehand. And I don't think client libraries support a `bank account resource` w/o curling.

Maybe I'm missing something.

If you don't get it working on Stripe, maybe you'll have better luck with WePay. They're a marketplace payments service like Balanced was, and they support ACH payments.

https://www.wepay.com/developer/facilitate_withdrawals/settl...

https://www.wepay.com/developer/facilitate_withdrawals/embed...

Disclaimer: I haven't actually used them myself. YMMV.

I have used them, stick with Stripe.

WePay cofounder here. Would love to better understand why you say that so we can improve. Bill@wepay.com

WePay doesn't do ACH debits AFAIK.

WePay engineer here. We support ACH debits. Checkout the live example with "Pay with Bank Account" option here - https://www.wepay.com/developer/process_payments/iframe-chec...

I was thinking via API.

I know that Balanced was using Forte for their ACH processing. You might check them out.

https://www.forte.net/devdocs/api_resources/forte_api.htm

This is absolutely not true

Ask Balanced to confirm for yourself. We are Forte are very saddened to see them go, but will continue to support them and their ACH processing until the day that they turn out the lights.

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