Add ACH Direct Debit payment processing for non-saved bank accounts

client/payment-method-icons/bank-debit/index.js

@@ -0,0 +1,7 @@
+import React from 'react';
+import IconWithShell from '../styles/icon-with-shell';
+import icon from './icon.svg';
+
+const BankDebitIcon = ( props ) => <IconWithShell { ...props } src={ icon } />;
+
+export default BankDebitIcon;

client/payment-method-icons/index.js

@@ -16,6 +16,7 @@ import BoletoIcon from './boleto';
 import OxxoIcon from './oxxo';
 import WechatPayIcon from './wechat-pay';
 import CashAppIcon from './cashapp';
+import BankDebitIcon from './bank-debit';
 
 export default {
 	alipay: AlipayIcon,
@@ -36,5 +37,6 @@ export default {
 	oxxo: OxxoIcon,
 	wechat_pay: WechatPayIcon,
 	cashapp: CashAppIcon,
-	bacs_debit: CreditCardIcon,
+	us_bank_account: BankDebitIcon,
+	bacs_debit: BankDebitIcon,
 };

client/payment-methods-map.js

@@ -3,6 +3,7 @@ import icons from './payment-method-icons';
 
 const accountCountry =
 	window.wc_stripe_settings_params?.account_country || 'US';
+const isAchEnabled = window.wc_stripe_settings_params?.is_ach_enabled === '1';
 
 const paymentMethodsMap = {
 	card: {
@@ -241,6 +242,19 @@ const paymentMethodsMap = {
 	},
 };
 
+if ( isAchEnabled ) {
+	paymentMethodsMap.us_bank_account = {
+		id: 'us_bank_account',
+		label: __( 'ACH Direct Debit', 'woocommerce-gateway-stripe' ),
+		description: __(
+			'ACH lets you accept payments from customers with a US bank account.',
+			'woocommerce-gateway-stripe'
+		),
+		Icon: icons.us_bank_account,
+		currencies: [ 'USD' ],
+	};
+}
+
 // Enable Bacs according to feature flag value
 if ( window.wc_stripe_settings_params?.is_bacs_enabled ) {
 	paymentMethodsMap.bacs_debit = {

client/stripe-utils/constants.js

@@ -26,6 +26,7 @@ export const PAYMENT_METHOD_LINK = 'link';
  * Payment method names constants with the `stripe` prefix
  */
 export const PAYMENT_METHOD_STRIPE_CARD = 'stripe';
+export const PAYMENT_METHOD_STRIPE_ACH = 'stripe_us_bank_account';
 export const PAYMENT_METHOD_STRIPE_GIROPAY = 'stripe_giropay';
 export const PAYMENT_METHOD_STRIPE_EPS = 'stripe_eps';
 export const PAYMENT_METHOD_STRIPE_IDEAL = 'stripe_ideal';
@@ -48,6 +49,7 @@ export const PAYMENT_METHOD_STRIPE_BACS = 'stripe_bacs_debit';
 export function getPaymentMethodsConstants() {
 	return {
 		card: PAYMENT_METHOD_STRIPE_CARD,
+		us_bank_account: PAYMENT_METHOD_STRIPE_ACH,
 		giropay: PAYMENT_METHOD_STRIPE_GIROPAY,
 		eps: PAYMENT_METHOD_STRIPE_EPS,
 		ideal: PAYMENT_METHOD_STRIPE_IDEAL,

includes/abstracts/abstract-wc-stripe-payment-gateway.php

@@ -337,6 +337,7 @@ public function payment_icons() {
 		return apply_filters(
 			'wc_stripe_payment_icons',
 			[
+				WC_Stripe_Payment_Methods::ACH         => '<img src="' . WC_STRIPE_PLUGIN_URL . '/assets/images/bank-debit.svg" class="stripe-ach-icon stripe-icon" alt="ACH" />',
 				WC_Stripe_Payment_Methods::ALIPAY      => '<img src="' . WC_STRIPE_PLUGIN_URL . '/assets/images/alipay.svg" class="stripe-alipay-icon stripe-icon" alt="Alipay" />',
 				WC_Stripe_Payment_Methods::WECHAT_PAY  => '<img src="' . WC_STRIPE_PLUGIN_URL . '/assets/images/wechat.svg" class="stripe-wechat-icon stripe-icon" alt="Wechat Pay" />',
 				WC_Stripe_Payment_Methods::BANCONTACT  => '<img src="' . WC_STRIPE_PLUGIN_URL . '/assets/images/bancontact.svg" class="stripe-bancontact-icon stripe-icon" alt="Bancontact" />',

includes/class-wc-stripe-intent-controller.php

@@ -967,6 +967,7 @@ private function build_base_payment_intent_request_params( $payment_information
 	 */
 	public function is_mandate_data_required( $selected_payment_type, $is_using_saved_payment_method = false ) {
 		$payment_methods_with_mandates = [
+			WC_Stripe_Payment_Methods::ACH,
 			WC_Stripe_Payment_Methods::BACS_DEBIT,
 			WC_Stripe_Payment_Methods::SEPA_DEBIT,
 			WC_Stripe_Payment_Methods::BANCONTACT,

includes/constants/class-wc-stripe-payment-methods.php

@@ -4,6 +4,8 @@
  * Class WC_Stripe_Payment_Methods
  */
 class WC_Stripe_Payment_Methods {
+
+	const ACH               = 'us_bank_account';
 	const AFFIRM            = 'affirm';
 	const AFTERPAY_CLEARPAY = 'afterpay_clearpay';
 	const ALIPAY            = 'alipay';

includes/payment-methods/class-wc-stripe-upe-payment-gateway.php

@@ -22,6 +22,7 @@ class WC_Stripe_UPE_Payment_Gateway extends WC_Gateway_Stripe {
 	 */
 	const UPE_AVAILABLE_METHODS = [
 		WC_Stripe_UPE_Payment_Method_CC::class,
+		WC_Stripe_UPE_Payment_Method_ACH::class,
 		WC_Stripe_UPE_Payment_Method_Alipay::class,
 		WC_Stripe_UPE_Payment_Method_Giropay::class,
 		WC_Stripe_UPE_Payment_Method_Klarna::class,
@@ -155,6 +156,11 @@ public function __construct() {
 
 		foreach ( self::UPE_AVAILABLE_METHODS as $payment_method_class ) {
 
+			// Show ACH only if feature is enabled.
+			if ( WC_Stripe_UPE_Payment_Method_ACH::class === $payment_method_class && ! WC_Stripe_Feature_Flags::is_ach_lpm_enabled() ) {
+				continue;
+			}
+
 			/** Show Sofort if it's already enabled. Hide from the new merchants and keep it for the old ones who are already using this gateway, until we remove it completely.
 			 * Stripe is deprecating Sofort https://support.stripe.com/questions/sofort-is-being-deprecated-as-a-standalone-payment-method.
 			 */
@@ -2156,6 +2162,10 @@ protected function prepare_payment_information_from_request( WC_Order $order ) {
 			'has_subscription'              => $this->has_subscription( $order->get_id() ),
 		];
 
+		if ( 'us_bank_account' === $selected_payment_type ) {
+			WC_Stripe_API::attach_payment_method_to_customer( $payment_information['customer'], $payment_method_id );
+		}
+
 		if ( ! empty( $payment_method_id ) ) {
 			$payment_method_details                              = WC_Stripe_API::get_payment_method( $payment_method_id );
 			$payment_information['payment_method']               = $payment_method_id;
@@ -2167,7 +2177,7 @@ protected function prepare_payment_information_from_request( WC_Order $order ) {
 				$order,
 				$payment_method_details
 			);
-			$payment_information['capture_method']               = $capture_method;
+			$payment_information['capture_method']           = $capture_method;
 		} else {
 			$confirmation_token_id                               = sanitize_text_field( wp_unslash( $_POST['wc-stripe-confirmation-token'] ?? '' ) );
 			$payment_information['confirmation_token']           = $confirmation_token_id;

includes/payment-methods/class-wc-stripe-upe-payment-method-ach.php

@@ -0,0 +1,49 @@
+<?php
+if ( ! defined( 'ABSPATH' ) ) {
+	exit;
+}
+
+/**
+ * Class that handles ACH Direct Debit as a UPE Payment Method.
+ *
+ * @extends WC_Stripe_UPE_Payment_Method
+ */
+class WC_Stripe_UPE_Payment_Method_ACH extends WC_Stripe_UPE_Payment_Method {
+
+	/**
+	 * Stripe's internal identifier for ACH Direct Debit.
+	 */
+	const STRIPE_ID = WC_Stripe_Payment_Methods::ACH;
+
+	/**
+	 * Constructor for ACH Direct Debit payment method.
+	 */
+	public function __construct() {
+		parent::__construct();
+
+		$this->stripe_id            = self::STRIPE_ID;
+		$this->title                = __( 'ACH Direct Debit', 'woocommerce-gateway-stripe' );
+		$this->is_reusable          = false; // Usually ACH requires verification per transaction.
+		$this->supported_currencies = [ 'USD' ];
+		$this->supported_countries  = [ 'US' ];
+		$this->label                = __( 'ACH Direct Debit', 'woocommerce-gateway-stripe' );
+		$this->description          = __( 'Pay directly from your US bank account via ACH.', 'woocommerce-gateway-stripe' );
+	}
+
+	/**
+	 * Checks if ACH is available for the Stripe account's country.
+	 *
+	 * @return bool True if US-based account; false otherwise.
+	 */
+	public function is_available_for_account_country() {
+		return in_array( WC_Stripe::get_instance()->account->get_account_country(), $this->supported_countries, true );
+	}
+
+	/**
+	 * Returns string representing payment method type
+	 * to query to retrieve saved payment methods from Stripe.
+	 */
+	public function get_retrievable_type() {
+		return $this->get_id();
+	}
+}

tests/phpunit/test-class-wc-stripe-upe-payment-gateway.php

@@ -117,6 +117,8 @@ class WC_Stripe_UPE_Payment_Gateway_Test extends WP_UnitTestCase {
 	public function set_up() {
 		parent::set_up();
 
+		update_option( WC_Stripe_Feature_Flags::LPM_ACH_FEATURE_FLAG_NAME, 'yes' );
+
 		$mock_account = $this->getMockBuilder( 'WC_Stripe_Account' )
 			->disableOriginalConstructor()
 			->getMock();
@@ -181,6 +183,11 @@ public function set_up() {
 			);
 	}
 
+	public function tear_down() {
+		parent::tear_down();
+		delete_option( WC_Stripe_Feature_Flags::LPM_ACH_FEATURE_FLAG_NAME );
+	}
+
 	/**
 	 * Helper function to set $_POST vars for saved payment method.
 	 */
@@ -258,6 +265,7 @@ public function get_upe_available_payment_methods_provider() {
 				'US',
 				[
 					WC_Stripe_UPE_Payment_Method_CC::STRIPE_ID,
+					WC_Stripe_UPE_Payment_Method_ACH::STRIPE_ID,
 					WC_Stripe_UPE_Payment_Method_Alipay::STRIPE_ID,
 					WC_Stripe_UPE_Payment_Method_Klarna::STRIPE_ID,
 					WC_Stripe_UPE_Payment_Method_Affirm::STRIPE_ID,

tests/phpunit/test-class-wc-stripe-upe-payment-method.php

@@ -73,49 +73,51 @@ class WC_Stripe_UPE_Payment_Method_Test extends WP_UnitTestCase {
 	 * Mock capabilities object from Stripe response--all inactive.
 	 */
 	const MOCK_INACTIVE_CAPABILITIES_RESPONSE = [
-		'alipay_payments'            => 'inactive',
-		'bancontact_payments'        => 'inactive',
-		'card_payments'              => 'inactive',
-		'eps_payments'               => 'inactive',
-		'giropay_payments'           => 'inactive',
-		'klarna_payments'            => 'inactive',
-		'affirm_payments'            => 'inactive',
-		'clearpay_afterpay_payments' => 'inactive',
-		'ideal_payments'             => 'inactive',
-		'p24_payments'               => 'inactive',
-		'sepa_debit_payments'        => 'inactive',
-		'sofort_payments'            => 'inactive',
-		'transfers'                  => 'inactive',
-		'multibanco_payments'        => 'inactive',
-		'boleto_payments'            => 'inactive',
-		'oxxo_payments'              => 'inactive',
-		'link_payments'              => 'inactive',
-		'wechat_pay_payments'        => 'inactive',
+		'alipay_payments'              => 'inactive',
+		'bancontact_payments'          => 'inactive',
+		'card_payments'                => 'inactive',
+		'eps_payments'                 => 'inactive',
+		'giropay_payments'             => 'inactive',
+		'klarna_payments'              => 'inactive',
+		'affirm_payments'              => 'inactive',
+		'clearpay_afterpay_payments'   => 'inactive',
+		'ideal_payments'               => 'inactive',
+		'p24_payments'                 => 'inactive',
+		'sepa_debit_payments'          => 'inactive',
+		'sofort_payments'              => 'inactive',
+		'transfers'                    => 'inactive',
+		'multibanco_payments'          => 'inactive',
+		'boleto_payments'              => 'inactive',
+		'oxxo_payments'                => 'inactive',
+		'link_payments'                => 'inactive',
+		'wechat_pay_payments'          => 'inactive',
+		'us_bank_account_ach_payments' => 'inactive',
 	];
 
 	/**
 	 * Mock capabilities object from Stripe response--all active.
 	 */
 	const MOCK_ACTIVE_CAPABILITIES_RESPONSE = [
-		'alipay_payments'            => 'active',
-		'bancontact_payments'        => 'active',
-		'card_payments'              => 'active',
-		'eps_payments'               => 'active',
-		'giropay_payments'           => 'active',
-		'klarna_payments'            => 'active',
-		'affirm_payments'            => 'active',
-		'clearpay_afterpay_payments' => 'active',
-		'ideal_payments'             => 'active',
-		'p24_payments'               => 'active',
-		'sepa_debit_payments'        => 'active',
-		'sofort_payments'            => 'active',
-		'transfers'                  => 'active',
-		'multibanco_payments'        => 'active',
-		'boleto_payments'            => 'active',
-		'oxxo_payments'              => 'active',
-		'link_payments'              => 'active',
-		'cashapp_payments'           => 'active',
-		'wechat_pay_payments'        => 'active',
+		'alipay_payments'              => 'active',
+		'bancontact_payments'          => 'active',
+		'card_payments'                => 'active',
+		'eps_payments'                 => 'active',
+		'giropay_payments'             => 'active',
+		'klarna_payments'              => 'active',
+		'affirm_payments'              => 'active',
+		'clearpay_afterpay_payments'   => 'active',
+		'ideal_payments'               => 'active',
+		'p24_payments'                 => 'active',
+		'sepa_debit_payments'          => 'active',
+		'sofort_payments'              => 'active',
+		'transfers'                    => 'active',
+		'multibanco_payments'          => 'active',
+		'boleto_payments'              => 'active',
+		'oxxo_payments'                => 'active',
+		'link_payments'                => 'active',
+		'cashapp_payments'             => 'active',
+		'wechat_pay_payments'          => 'active',
+		'us_bank_account_ach_payments' => 'active',
 	];
 
 	/**
@@ -245,6 +247,7 @@ public function test_payment_methods_show_correct_default_outputs() {
 		$boleto_method     = $this->mock_payment_methods['boleto'];
 		$oxxo_method       = $this->mock_payment_methods['oxxo'];
 		$wechat_pay_method = $this->mock_payment_methods['wechat_pay'];
+		$ach_method        = $this->mock_payment_methods['us_bank_account'];
 
 		$this->assertEquals( WC_Stripe_Payment_Methods::CARD, $card_method->get_id() );
 		$this->assertEquals( 'Credit / Debit Card', $card_method->get_label() );
@@ -345,6 +348,13 @@ public function test_payment_methods_show_correct_default_outputs() {
 		$this->assertFalse( $wechat_pay_method->is_reusable() );
 		$this->assertEquals( WC_Stripe_Payment_Methods::WECHAT_PAY, $wechat_pay_method->get_retrievable_type() );
 		$this->assertEquals( '', $wechat_pay_method->get_testing_instructions() );
+
+		$this->assertEquals( WC_Stripe_Payment_Methods::ACH, $ach_method->get_id() );
+		$this->assertEquals( 'ACH Direct Debit', $ach_method->get_label() );
+		$this->assertEquals( 'ACH Direct Debit', $ach_method->get_title() );
+		$this->assertFalse( $ach_method->is_reusable() ); // Currently non-reusable; future improvement may change this.
+		$this->assertEquals( WC_Stripe_Payment_Methods::ACH, $ach_method->get_retrievable_type() );
+		$this->assertEquals( '', $ach_method->get_testing_instructions() );
 	}
 
 	/**
@@ -375,6 +385,7 @@ public function test_card_payment_method_capability_is_always_enabled() {
 		$multibanco_method        = $this->mock_payment_methods['multibanco'];
 		$oxxo_method              = $this->mock_payment_methods['oxxo'];
 		$wechat_pay_method        = $this->mock_payment_methods['wechat_pay'];
+		$ach_method               = $this->mock_payment_methods['us_bank_account'];
 
 		$this->assertTrue( $card_method->is_enabled_at_checkout() );
 		$this->assertFalse( $klarna_method->is_enabled_at_checkout() );
@@ -390,6 +401,7 @@ public function test_card_payment_method_capability_is_always_enabled() {
 		$this->assertFalse( $multibanco_method->is_enabled_at_checkout() );
 		$this->assertFalse( $oxxo_method->is_enabled_at_checkout() );
 		$this->assertFalse( $wechat_pay_method->is_enabled_at_checkout() );
+		$this->assertFalse( $ach_method->is_enabled_at_checkout() );
 	}
 
 	/**
@@ -605,6 +617,7 @@ public function test_payment_methods_are_reusable_if_cart_contains_subscription(
 
 	public function test_payment_methods_support_custom_name_and_description() {
 		$payment_method_ids = [
+			WC_Stripe_Payment_Methods::ACH,
 			WC_Stripe_Payment_Methods::CARD,
 			WC_Stripe_Payment_Methods::KLARNA,
 			WC_Stripe_Payment_Methods::AFTERPAY_CLEARPAY,

woocommerce-gateway-stripe.php

@@ -222,6 +222,7 @@ public function init() {
 				require_once __DIR__ . '/includes/payment-methods/class-wc-stripe-upe-payment-gateway.php';
 				require_once __DIR__ . '/includes/payment-methods/class-wc-stripe-upe-payment-method.php';
 				require_once __DIR__ . '/includes/payment-methods/class-wc-stripe-upe-payment-method-cc.php';
+				require_once __DIR__ . '/includes/payment-methods/class-wc-stripe-upe-payment-method-ach.php';
 				require_once __DIR__ . '/includes/payment-methods/class-wc-stripe-upe-payment-method-alipay.php';
 				require_once __DIR__ . '/includes/payment-methods/class-wc-stripe-upe-payment-method-bacs.php';
 				require_once __DIR__ . '/includes/payment-methods/class-wc-stripe-upe-payment-method-giropay.php';