{
  "slug": "stripe-billing-api-supports-pay-by-bank-615a58e90fb7",
  "title": "Stripe Billing API supports Pay by Bank",
  "tools": [
    "stripe"
  ],
  "tags": [
    "agent"
  ],
  "introduced_at": "2026-02-25T00:00:00.000Z",
  "announced_at": "2026-02-25T00:00:00.000Z",
  "effective_at": null,
  "date_basis": "source-publication",
  "status": "unknown",
  "how": {
    "incantation": "When adding Pay by Bank to a Stripe Billing operation, include `pay_by_bank` in its `payment_settings.payment_method_types` array. The release note says no special configuration or feature enablement is required.",
    "examples": [
      "curl https://api.stripe.com/v1/subscriptions \\\n  -u \"<YOUR_SECRET_KEY>\" \\\n  -H \"Stripe-Version: 2026-02-25.clover\" \\\n  -d \"customer=<CUSTOMER_ID>\" \\\n  -d \"items[0][price]=<PRICE_ID>\" \\\n  -d \"payment_settings[payment_method_types][]=pay_by_bank\""
    ],
    "gotchas": [
      "payment_settings: Subscription payment configuration object; includes payment method settings.",
      "payment_settings.payment_method_types: Array of allowed payment method types; set it to include `pay_by_bank`.",
      "pay_by_bank: Payment method type added for Billing invoices, subscriptions, customers, and quotes in API version `2026-02-25.clover`.",
      "customer: Identifier of the customer to subscribe.",
      "items (required): Subscription items, each with an attached price.",
      "Prerequisite: Use API version `2026-02-25.clover` or a corresponding SDK version to access the change.",
      "Prerequisite: Create a customer and a recurring price before creating a subscription.",
      "Docs conflict: The Pay by Bank overview says its separate Pay by Bank Recurring offering is in private preview and combines an initial Pay by Bank payment with a Bacs Direct Debit mandate. This differs from the Billing API addition; the overview does not document the Billing API change."
    ]
  },
  "why_it_matters": "Add Pay by Bank as a payment method for recurring billing in an application using Stripe Billing.",
  "sources": [
    "https://docs.stripe.com/changelog/clover/2026-02-25/billing-api-pay-by-bank",
    "https://docs.stripe.com/api/subscriptions/create?api-version=2026-02-25.clover"
  ],
  "rank": 0.95027,
  "judge": {
    "publish": true,
    "judge_model": "codex-cli/gpt-6-luna+typesafe/jev-1.13.0",
    "prompt_version": "extract-v7+enrich-v2+judge-v2x3+jev-publish-v1"
  },
  "review_state": "approved",
  "provenance": {
    "run_id": "wave1b-tools-20261017",
    "verdict_id": "wave1b-tools-20261017:wave1b-tools-20261017-c4849fb137f08ef0-0:gate",
    "evidence_hash": "a90139af74e3d94b43bdd7869be099fe9b3a1be9ba758cf9d871962e8951ddd2"
  },
  "review": {
    "draft_hash": "fd51df52cda495248e5473167e32cdf29aa5cd89f86e23251988a2c560285d1b",
    "reviewer": "publication-gate",
    "reviewed_at": "2026-10-07T00:00:00.000Z",
    "decision": "wave1b-tools-20261017:gate",
    "reason": "3 of 3 judge runs approved with p_yes >= 0.9 (mean 0.95 >= 0.9; 2 needed) and Jev gave 0.65 (>= 0.6 needed)."
  }
}