Updating Stripe bank accounts: “A bank account with that routing number and account number already exists for this customer.”

So, if you want to handle ACH transactions with Stripe, you can. Some limits to include the length of time for the transaction (5 business days on top of stripes 2 business day transfer duration) and support only for US accounts, but the API is nice and the price is pretty nice too (0.8% up to $5).

But if you are trying to do recurring billing with Stripe and ACH and you want to let your customer change their default charge source between credit card and bank accounts as a payment source (or even two different bank accounts), you’re going to run into a roadblock. While Stripe will happily accept new credit information with the exact same card number, expiration date and CVC code, and just create a new source for each entry, it is not so forgiving with bank accounts. Instead, you’ll get this error message: "A bank account with that routing number and account number already exists for this customer." if you try to change the default source to an existing bank account record in Stripe.

I found some code with this error message, but it actually isn’t complete. It’s not best to examine the error message and switch on that, but I didn’t see a specific exception class for this type of exception.

For a complete solution, you need to check the stripe tokens routing number and last 4 digits of the account number. If a user has two different bank accounts that match both in the last 4 of the account number and the routing number, well then, I think you are out of luck.

Here’s the complete ruby code, making sure to match the current request’s routing id number just in case your user wants to switch between multiple bank accounts for their default charge.

    def update_customer_from_token(customer,stripe_token)
      # takes the stripe customer object and the new token 
      # from the stripe indicating the changed payment method

      success = false
      Stripe.api_key = ENV["stripe_secret_key"]
        new_pmt_obj = customer.sources.create({:source => stripe_token})

        customer.default_source = new_pmt_obj.id
        success = true
      rescue Stripe::InvalidRequestError => e
        # special case where the bank account already exists, let's use that.
        if e.message == 'A bank account with that routing number and account number already exists for this customer.'
          tokobj = Stripe::Token.retrieve(stripe_token)
          customer.sources.each do | src |
              if src.object == 'bank_account' && src.routing_number == tokobj.bank_account.routing_number && src.last4 == tokobj.bank_account.last
                customer.default_source = src.id
                success = true
            rescue => e
              Rails.logger.error(STRIPE_ERROR_PREFIX+" 4 unable to update customer for "+customer.inspect+", "+e.inspect)
          Rails.logger.error(STRIPE_ERROR_PREFIX+" 3 unable to update customer for "+customer.inspect+", "+e.inspect)
      rescue Stripe::CardError => e
        Rails.logger.error(STRIPE_ERROR_PREFIX+" 1 unable to update customer for "+customer.inspect+", "+e.inspect)
      rescue => e
        Rails.logger.error(STRIPE_ERROR_PREFIX+" 2 unable to update customer for "+customer.inspect+", "+e.inspect)

Or, you could just let the user choose from a drop down list of their existing sources which one they want to be the default. That might be a cleaner solution.

AWS Questions: Cloudwatch

Cloudwatch is Amazon’s monitoring and alerting service.

Some questions and answers re: this awesome service.

  • How can you create custom metrics?
    • Cloudwatch doesn’t limit you to the metrics it collects by default (at the hypervisor level).  You can push any metric that makes sense up the the statistics repository, using custom metrics.
  • What protocol does cloudwatch use?  ICMP or SNMP?
  • What are cloudwatch logs?
    • A way for you to push logfiles from ec2 instances up to Cloudwatch, parse them, and create metrics out of them (“how many 404 errors has this application had in the last 30 minutes?”).  More here.
  • Does cloudwatch allow you to setup different metric thresholds at different times? For example, set an alarm at 70% CPU on Wed night but 90% on Sat night?
    • No, but you could do this with custom metrics.  You could read the cloudwatch default metrics and have an ‘cpualarm’ metric which would be 1 or 0 depending on if certain parameters were set.  Then you could vary the parameters over time.  Then you could set an alarm on the ‘cpualarm’ metric.


Presenting on Stripe tomorrow

Excited to say that I’ll be presenting on my company’s use of Stripe at Boulder.rb tomorrow.  Working title of my talk: “Do you like Money?”.

What I’ll cover:  an overview of the service, real code, testing, operational practices, and gotchas.  This will be based on my experience at The Food Corridor, where we’ve processed over $250k of transactions through Stripe.

Hope to see you there!

AWS Questions: VPC

Amazon VPC lets you create a virtual network in the cloud that you control–subnets, ip ranges, internet access, routing, etc.  At recent classes, I was asked some questions about VPC that I dug into to find answers.

  • Does AWS VPC support multicast or broadcast?
    • No, per the FAQs.  But there are some projects to overlay multicast functionality on top of the unicast network within a VPC.
  • Are vpc flow logs add on pricing?
    • There is no additional charge, but they go into Cloudwatch Logs and you are charged at the normal rate for that usage.
  • Is the NAT Gateway (used to provide internet access to ipv4 private subnets) highly available?
    • It is redundant within an availability zone.  But, from the docs: “If you have resources in multiple Availability Zones and they share one NAT gateway, in the event that the NAT gateway’s Availability Zone is down, resources in the other Availability Zones lose Internet access. To create an Availability Zone-independent architecture, create a NAT gateway in each Availability Zone and configure your routing to ensure that resources use the NAT gateway in the same Availability Zone.”  See also the Egress-only Internet Gateway, if you are using ipv6.

Using Amazon Mechanical Turk

chess-1215079_640So, after over a decade, I finally found a use case where I had the clout and the need to use mechanical turk. I wanted to write about my experiences.

What I used it for: We were looking for some data on businesses.  We had business name, city and state, and wanted full contact information.  We paid a dime for each listing, and asked for email address and physical address.  We asked about each listing twice so that we’d have some kind of double check.

How effective was it? This varied.  If you were using the master workers, it was very effective, but slower.  If you open it up to all workers, you have to review their work more closely.  The few times I rejected someone’s task, they wrote back and asked why and tried to make it right, which was a testament to the power of the system (it records rejections).  Make sure you break the work into a couple of smaller groups so you can iterate on your instruction set (when workers asked questions on the first set, the answers went into the instructions for the second set).  We still had to review all the listings and double check any that didn’t match between both task answers, but that was a lot quicker than googling for each business and doing the research ourselves.

How much did it cost? On the order of a couple hundred bucks to process around fifteen hundred listings.

What kind of time savings did we see? Assume we had 1500 business names, and it took us 90 seconds to google the business name and find the information.  That is 1500 listings * 1.5 minutes == 37.5 hours, and this is on the low end.  Instead, it took about 2-3 hours of setup, and then 36 hours of calendar time (when I was able to do other things like sleep and work on other problems), and we were done.  Then I would say it was about 7-10 hours of review. So you are trading a couple hundred bucks for at least 20 hours of saved time.

Would I do it again? I think mturk is perfect if your problem has the following three attributes: more money than time, a task that is extremely simple, and time to review the finished product.

Other tips? You have to build it some kind of sampling for correctness. I have no idea what the quality is if you pay more than a dime per task.  Make sure you think about edge cases.  Provide tips to your workers (“check whois records as well as google”).

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