They have no documentation for creating a payment source for ACH Debit beyond using Plaid. Have added a feature ticket to look into this further as I'll have to get into contact with Stripe and trial/error until I can get the payment source creation working, which may end up requiring Plaid. I do not have a timeframe for when this will be available, sorry.

#7320

We need to submit an API to stripe cancelling the ACH that was attempted via CBSubs because it is sitting in a pending state on stripe and it will not complete because the user doesn't have funds in that account as it is an old account. Due to the pending status of the ACH it doesn't allow us to set the new account as the default payment method.
I was told that we may need to submit an API to cancel the ACH so we can set the default to the updated account. Thanks

The user should be able to just cancel the basket and create a new basket. Aside from that you need to wait for the timeout (believe 7 days) or force it cancelled at Stripe. There isn't really any interface within CBSubs to accommodate this need.

Thank you for looking into this. I am not 100% sure what plaid is but I believe it is the ability for the end user to log into their bank to confirm an immediate ACH, is that accurate?

ACH Debit Transfer requires the account and routing number the user supplies to be verified. Without a service to do this you have to do this manually with your bank. So seams Plaid is going to be required, which will do the verification process for you automatically and appears to be basically instant. Their ACH Debit Transfer doesn't seam to be meant to be used without Plaid so you may want to look into that requirement further as I've no idea at this time if there's a cost associated with using Plaid.