Hello,

I'm working on a custom implementation using Stripe ACH Direct Debit, and I'm looking for advice on how to handle a specific use case within our counter-offer flow.

Current Flow:

In our platform, the buying process involves a counter-offer flow:

The buyer sends an offer to the seller.
The seller can either accept the offer or send a counter-offer back to the buyer.
This negotiation process continues until both parties agree on the terms.
ACH Payment Flow:

We want to integrate ACH payments into this flow, but with a key requirement: ACH should only be triggered once the seller accepts the buyer's offer. We do not want to initiate the ACH debit when the offer is made or during the negotiation phase. Instead, the payment should only be processed after the final acceptance.

Challenges:

ACH payments typically take 2-5 business days to process, so timing is crucial.
We need to delay the payment process until the offer is accepted without affecting the user experience or causing any confusion.
Question: How can we best implement this delayed payment trigger using Stripe’s API? Specifically:

What would be the best way to structure this within Stripe’s existing API calls?
Are there specific webhooks or payment intent statuses we should leverage to ensure the payment is securely and correctly processed after acceptance?
Any guidance, best practices, or code snippets from those who have implemented similar flows would be greatly appreciated!

Thank you!