Stax Bill's integration with Stripe as a gateway for ACH transactions is limited to only working with tokens added after they are generated in Stripe.
Bank account information needs first to be added to Stripe.
Once added to Stripe, two microdeposits of a few cents each are made in the customer's bank account.
When the customer receives them, they need to notify the owner of the Stripe account or follow some directions in order to verify the bank account.
Once verified, the customer and bank account tokens must be copied to Stax Bill.
If the bank account has not been verified, Stax Bill will not throw an error when adding the payment method, but payments will fail, and the error message may not be immediately clear.
If the user is developing with PLAID, it is worth noting that PLAID does not populate some of the fields in Stripe that Stax Bill requires when Stax Bill attempts to reference the information from Stripe. These are the account type and account holder name. These can be updated in Stripe via the Stripe API.