How to test microdeposit verification process

  • Resolved John Hawkins

    (@vegasgeek)


    5 months ago

    I noticed in Stripe that I have some payments with a status of “incomplete”. When I look activity queue, I see a “Request to confirm a PaymentIntent” that was successful, but above that is a item saying “the payment pi_xxxx for $xx.xx requires you to take action…”. The event data for that item has a “next_action” with a type of “verify_with_microdeposits”.

    While testing the ACH process during development, I used the plugin to test both successful and failed payment processes, but never saw anything related to bank verification process. Is there a way to recreate that process so I can see what my visitors will need to do?

    Thanks!

Viewing 4 replies - 1 through 4 (of 4 total)
  • Plugin Author Payment Plugins

    (@mrclayton)

    5 months ago

    Hi @vegasgeek

    The bank verification process occurs when the customer’s bank is not enrolled in the automatic verification process. Since the customer can’t login to their account and verify at the time of sale, the micro-deposits are how they verify the banking information they enter in to the Stripe ACH fields.

    Once your customer verifies the micro deposits, Stripe will send a payment_intent.succeeded webhook event which the Stripe plugin will receive. From there, your WooCommerce order will be completed.

    I am not sure the micro-deposit flow can be tested in Stripe’s test mode.

    Kind Regards

    Thread Starter John Hawkins

    (@vegasgeek)

    5 months ago

    Hi @mrclayton

    All that makes sense. I guess I’m trying to figure out where the user would go to complete the micro deposit verification? For example, will they receive an email with a link sending them to Stripe to complete the verification?

    And thank you for your near instant reply. Much appreciated!

    Plugin Author Payment Plugins

    (@mrclayton)

    5 months ago

    Hi @vegasgeek

    I guess I’m trying to figure out where the user would go to complete the micro deposit verification?

    Stripe sends the customer an email that contains a link where they enter the micro deposit info. Once verified, Stripe then completes the payment which results in the payment_intent.succeeded webhook being sent.

    Kind Regards

    Thread Starter John Hawkins

    (@vegasgeek)

    5 months ago

    @mrclayton

    I was able to confirm the process that took place with a client:

    • During checkout they used ACH as the method and were told they needed to verify
    • In Stripe, rather than their transaction being set to “Pending”, it was set to “Incomplete”
    • The customer received an email from Stripe telling them to confirm the deposit ($0.01 deposit with a 6 digit code attached) with a link to do the verification.
    • After the user verified, the transaction is moved back into “Pending” status while Stripe waits for the ACH payment to complete.
    • Either a PaymentIntent.succeeded or .failed webhook is returned, like normal, once the process is complete.

    Once again, thanks for the quick reply.

Viewing 4 replies - 1 through 4 (of 4 total)

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