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Stripe testing information

Information on methods
Method
Currency
Customer bank region
Confirmation style
Settlement expectation
ACH Debit (US)
USD only
US bank accounts
Collect bank account + verify (manual or automated)
Delayed (days)
SEPA Direct Debit
EUR only
EEA bank accounts (IBAN)
Mandate acceptance (no 3DS)
Delayed (days)
iDEAL
EUR only
NL banks
Redirect to bank
Usually quick but not instant
Card (3DS capable)
Multi-currency (issuer dependent)
Global
3DS challenge when required; frictionless when not
Instant auth (capture timing varies)
There are no rows in this table
⁠

Requirements

Platform enable → ACH, SEPA, iDEAL
Agency account → similar method

Other notes

Customer location might not be strictly requried to match with currency.
User selects service → checkout → but discard payment form
these orders and invoice will not be visible to agency
and user (if new) will be added to Lead
Otherwise stays as Client
but these orders are visible to that user (if logged) in their portal
User completes payment form
Order payment processing
Invoice processing
If payment failed
Order payment failed
Invoice Open
Success payment
Order ongoing
Invoice paid
⁠
https://github.com/AgencyHandy/discussions/blob/main/adr/ADR-011-making-project-and-invoice-visible.md
⁠

ACH

manual → bank info provide → microdeposit (for verify) → enter code from microdeposit in verificial url (sent via email)
Mail send, resend
URL acces
verify (search ACH test Stripe, example code SMAA11
webhook verification
automatic → already verified bank in Stripe → simulate
success
failure

Disclaimer

mail template
modal text
notificaiton text
toaster
These are not provided by Product yet, maybe requires update.

SEPA

Country-wise banking inform (IBAN)
No microdeposit

iDEAL

Bank redirect
Scenario
Simulate success
Simulate failure

3DS

always authenticate
not requried
sometimes
Stripe docs for card infos


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