Verify user bank just for activating account using stripe

Question

I am using NodeJS and ExpressJS

How can I implement an account verification using stripe? Is this possible? I just want to verify that that user has a bank account but I don't want to charge them. What details can I obtain from this verification? This is just because I want to filter scammers on my platform and this verification will definitely make them think twice.

Answer 1

You can verify the account using following API:

A customer's bank account must first be verified before it can be charged. Stripe supports instant verification using Plaid for many of the most popular banks. If your customer's bank is not supported or you do not wish to integrate with Plaid, you must manually verify the customer's bank account using the API.

check this out: https://stripe.com/docs/api/customer_bank_accounts/verify

stripe.customers.verifySource(customerId, bankAccountId, params)

Example:

var stripe = require("stripe")("sk_test_4eC39HqLyjWDarjtT1zdp7dc");

stripe.customers.verifySource(
  "cus_DsJV8TIcCJGSym",
  "ba_1DQVjc2eZvKYlo2COqxnGt4h",
  {
    amounts: [32, 45]
  },
  function(err, bankAccount) {
});

Response:

{
  "id": "ba_1DQVjc2eZvKYlo2COqxnGt4h",
  "object": "bank_account",
  "account_holder_name": "Anthony Anderson",
  "account_holder_type": "individual",
  "bank_name": "STRIPE TEST BANK",
  "country": "US",
  "currency": "usd",
  "customer": "cus_DsJV8TIcCJGSym",
  "fingerprint": "1JWtPxqbdX5Gamtc",
  "last4": "6789",
  "metadata": {
  },
  "routing_number": "110000000",
  "status": "new",
  "name": "Jenny Rosen"
}

You need to create customer and bank account on stripe using stripe token.

CREATE CUSTOMER: https://stripe.com/docs/api/customers/create

CREATE BANK ACCOUNT: https://stripe.com/docs/api/customer_bank_accounts/create