Audit existing code for ach_credit_transfer or ach_debit Source objects and Charge objects created against them; identify each flow to replace
Replace Source creation with PaymentMethod creation of type 'us_bank_account'; replace Charge creation against a Source with PaymentIntent confirmation using the PaymentMethod
For saved Sources used in recurring billing, create SetupIntents to collect and verify the bank account as a PaymentMethod, recording mandate acceptance
Migrate stored customer Source IDs to PaymentMethod IDs; Stripe provides a migration endpoint for existing verified bank accounts to avoid re-verification in some cases (see /v1/payment_methods/migrate docs)
Update your webhook handlers: replace source.chargeable, source.failed events with payment_intent.succeeded and payment_intent.payment_failed
Test in sandbox with the updated flow before cutting over production traffic; verify microdeposit and Financial Connections verification paths both work
Known gotchas
The Sources API is deprecated and Stripe has announced removal timelines; new integrations must not use Sources for ACH, and existing ones should migrate promptly
Sources use a status-driven model (pending → chargeable) while PaymentMethods are stateless; this architectural difference means webhook handling logic must be substantially rewritten
Not all Source metadata fields map 1:1 to PaymentMethod fields; audit any stored Source metadata and re-map it to the us_bank_account PaymentMethod response structure
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