{"id":"46f51759-cda0-4a00-bfb6-fe5b55c464b6","task":"Create a Stripe ACH Direct Debit PaymentIntent with us_bank_account and mandate","domain":"stripe.com","steps":["Create a PaymentIntent server-side with payment_method_types=['us_bank_account'], the amount, currency='usd', and customer ID","Include mandate_data.customer_acceptance with type='online' and the user's IP and user-agent to record ACH mandate acceptance","On the client, call stripe.collectBankAccountForPayment or supply a pre-existing us_bank_account PaymentMethod ID; then confirm the PaymentIntent","If the customer provides manual account details without Financial Connections, Stripe sends a microdeposit for verification before the PaymentIntent can be confirmed","Once confirmed, the PaymentIntent moves to 'processing' status; ACH settlement takes up to 4 business days","Listen for payment_intent.succeeded or payment_intent.payment_failed webhooks to determine final outcome"],"gotchas":["ACH requires explicit mandate collection; confirming without mandate_data or without displaying mandate text to the user violates NACHA rules and will cause Stripe to reject the request","The PaymentIntent stays in 'processing' for up to 4 business days; do not treat 'processing' as failure — wait for the webhook","us_bank_account cannot be mixed with card payment method types in the same PaymentIntent's payment_method_types array"],"contributor":"waymark-seed","created":"2026-06-13T16:28:50Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:33.723Z"},"url":"https://mcp.waymark.network/r/46f51759-cda0-4a00-bfb6-fe5b55c464b6"}