Stripe + Plaid should always use the Bank Account payment method on a customer.
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Ben Meredith
Currently, if a donor already is a Stripe customer with an existing Credit Card saved on file, a new recurring donation (and the subsequent renewals) with the Stripe + Plaid gateway will use the Credit Card on file at Stripe, instead of the bank account.
This is especially problematic because the fees for ACH are significantly lower, so it's popular for extremely large donations. on a $50,000 donation, 2.9% + $0.30 is $1450.30, whereas the fees with ACH are capped at $50.
Jason Adams
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Happy to share this has been resolved in Give Recurring 1.12.5. Please update and let us know if you have any further issues with this.
Ravinder Kumar
in progress
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Lars Kemmann
Would this impact Stripe customers who normally use a credit card with Stripe, and then come to our site for the first time to set up an ACH donation? Because that is going to be a
lot
more common when taking "a broader look".Also, that comment is concerning to begin with -- I absolutely could see donors doing a small credit card donation first and then switching to a bank account later on. This is the kind of thing that makes me wonder if our executive director was right to ask me to set up Funraise instead... I pushed hard to advocate for GiveWP and now that I dig into the day-to-day reality I keep finding reliability issues with the plugin that are impacting our (real-world) donors. I was directed here because a key $1,000/month donor abandoned our online form due to a potentially related error.
Ben Meredith
under review
The current workaround for this is to manually change the default payment method on the back end of Stripe for a customer in this situation to the bank account. Our team is looking into this, but this is the type of issue that shows up more in testing (where one user/email is using multiple gateways) than in real-world scenarios.
That's not to say we're not going to fix it, just that any perceived urgency is lessened when you take a broader look.