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Issue: The Bank Account data in the form isn't saving to the Stripe API (Stripe::Account), possibly because it's not being correctly or successfully Stripe::Account.retrieve(current_user.stripe_token)

Question: What in my code is causing the retrieve to not work or is the issue something else, such as not having webhooks correctly set up, or incorrect JS?

My Thoughts: I am assuming it's not the controller, but the way the JS is set up as I am not well versed in JS. I found an example application on GitHub using Stripe Connect the way I want it to function and used it as a reference to build my BankAccount controller, view/form, and JS.

This is the sample application for reference I have used to help me set this up: https://stripe-marketplace-demo.herokuapp.com/

How it's set up: I have Users table ; users sign up and get inputted into this User Table. I then have a StripeAccounts table; users (current_user) can create a StripeAccount, the stripe account token is saved as acct_id within StripeAccount >> the user_id (from User table) is associated with the StripeAccount. The stripe_account token is also saved in the User table under stripe_token. Once a stripe_account is created and saved, they are redirected to fill out the BankAccount form << This is where my issues are. The bank account information isn't saving and most likely due to a failure to retrieve. Reasoning below.

Here's the entire Bank Account Controller:

class BankAccountsController < ApplicationController

  before_action :authenticate_user!



  def new



    unless current_user.stripe_token

      redirect_to new_user_stripe_account_path and return

    end



    begin

      @stripe_account = Stripe::Account.retrieve(current_user.stripe_token)



    rescue Stripe::StripeError => e

      handle_error(e.message, 'new')



    rescue => e

      flash[:error] = e.message

    end

  end



  def create



    unless params[:stripeToken] && current_user.stripe_token

      redirect_to new_bank_account_path and return

    end



    begin

      stripe_account = Stripe::Account.retrieve(current_user.stripe_token)



      stripe_account.external_account = params[:stripeToken]

      stripe_account.save



      flash[:success] = "Your bank account has been added!"

      redirect_to dashboard_path



    rescue Stripe::StripeError => e

       flash[:error] = e.message





    rescue => e

       flash[:error] = e.message



    end

  end

end

I have the stripe_accounts saving correctly with the stripe token saved under "acct_id" in the StripeAccounts table, and the same token saved as "stripe_token" under the Users table in relation to the correct user_id.

I am new to rails (about a month in) and very new to Stripe so the following is only assumption: I am assuming the "@stripe_account = Stripe::Account.retrieve(current_user.stripe_token)" in the new method isn't retrieving anything. Does this rely on webhooks? That I may not have set up correctly? I have tried doing this through ngrok, but to no avail. Although, I receive no errors on page in html.
I would then assume I'm getting stuck at the code in the create method:

  unless params[:stripeToken] && current_user.stripe_token

      redirect_to new_bank_account_path and return

    end

Because when i press submit, the page simply reloads and nothing saves to the API.

Here's the view/form I am submitting along with the JS:

<%= content_for :page_title, "Add a new bank account" %>

<% content_for(:header) do %>

  <script src="https://js.stripe.com/v3/"></script>

  <script src="https://cdnjs.cloudflare.com/ajax/libs/jquery.payment/1.4.1/jquery.payment.js"></script>

  <script>

    // Set your Stripe publishable API key here

    // Stripe.setPublishableKey("<%= ENV['PUBLISHABLE_KEY'] %>");

    var stripe = Stripe('pk_test_3v1234567896LyWMYKE1f0B8');



    $(function() {

      var $form = $('#payment-form');

      $form.submit(function(event) {

        // Clear any errors

        $form.find('.has-error').removeClass('has-error');

        // Disable the submit button to prevent repeated clicks:

        $form.find('.submit').prop('disabled', true).html("<i class='fa fa-spinner fa-spin'></i> Adding bank account...");

        // Request a token from Stripe:

        Stripe.bankAccount.createToken($form, stripeResponseHandler);





        return false;

      });

    });

    function stripeResponseHandler(status, response) {

      var $form = $('#payment-form');

      if (response.error) {



        $form.find('.errors').text(response.error.message).addClass('alert alert-danger');

        $form.find('.' + response.error.param).parent('.form-group').addClass('has-error');

        $form.find('button').prop('disabled', false).text('Add Bank Account'); // Re-enable submission

      }

      else { // Token was created!

        $form.find('.submit').html("<i class='fa fa-check'></i> Account added");



        var token = response.id;



        $form.append($('<input type="hidden" name="stripeToken" />').val(token));



        $form.get(0).submit();

      }

    }

  </script>

<% end %>



<div class="panel panel-default">

  <div class="panel-body">

    <form action="/bank_accounts" method="POST" id="payment-form">

      <div class="errors"></div>

      <div class="row">

        <div class="col-md-8">

          <div class="form-group">

            <label>Country</label>

            <select class="form-control input-lg" id="country" data-stripe="country">

              <option value="US">United States</option>

            </select>

          </div>

        </div>

        <div class="col-md-4">

          <div class="form-group">

            <label>Currency</label>

            <select class="form-control input-lg" id="currency" data-stripe="currency">

              <option value="usd">USD</option>

            </select>

          </div>

        </div>

      </div>

      <div class="row">

        <div class="col-md-6" id="routing_number_div">

          <div class="form-group">

            <label id="routing_number_label">Routing Number</label>

            <input class="form-control input-lg bank_account" id="routing_number" type="tel" size="12" data-stripe="routing_number" value="110000000" autocomplete="off">

          </div>

        </div>

        <div class="col-md-6">

          <div class="form-group">

            <label id="account_number_label">Account Number</label>

            <input class="form-control input-lg bank_account" id="account_number" type="tel" size="20" data-stripe="account_number" value="000123456789" autocomplete="off">

          </div>

        </div>

      </div>

      <div class="row">

        <div class="col-md-12">

          <button class="btn btn-lg btn-block btn-primary btn-custom submit" type="submit">Add Bank Account</button>

        </div>

      </div>

      <%= hidden_field_tag :authenticity_token, form_authenticity_token -%>

    </form>

  </div>

</div>

As you see in the JS: // Stripe.setPublishableKey("<%= ENV['PUBLISHABLE_KEY'] %>");
I have tried with that, but apparently it's not up to date anymore. Just for testing purposes, I have simply included the publishable key directly within the JS and not in credentials just yet until I figure it out.

Here is my console when I submit the form:

Started POST "/bank_accounts" for 127.0.0.1 at 2018-11-10 14:32:11 -0500

Processing by BankAccountsController#create as HTML

  Parameters: {"authenticity_token"=>"l69UBGkzwcel7JH34+TDbsfQ9Xjkiogu+emWm+8+0iVQfKh9AIxDaXp0yMhjFkUVznHeJYwXeVmdBVSI2XjArg=="}

  User Load (0.3ms)  SELECT  "users".* FROM "users" WHERE "users"."id" = ? ORDER BY "users"."id" ASC LIMIT ?  [["id", 2], ["LIMIT", 1]]

  ↳ /home/bob/.rvm/gems/ruby-2.5.1/gems/activerecord-5.2.1/lib/active_record/log_subscriber.rb:98

Redirected to http://localhost:3000/bank_accounts/new

Completed 302 Found in 4ms (ActiveRecord: 0.3ms)





Started GET "/bank_accounts/new" for 127.0.0.1 at 2018-11-10 14:32:11 -0500

Processing by BankAccountsController#new as HTML

  User Load (0.3ms)  SELECT  "users".* FROM "users" WHERE "users"."id" = ? ORDER BY "users"."id" ASC LIMIT ?  [["id", 2], ["LIMIT", 1]]

  ↳ /home/bob/.rvm/gems/ruby-2.5.1/gems/activerecord-5.2.1/lib/active_record/log_subscriber.rb:98

  StripeAccount Load (0.2ms)  SELECT  "stripe_accounts".* FROM "stripe_accounts" WHERE "stripe_accounts"."user_id" = ? LIMIT ?  [["user_id", 2], ["LIMIT", 1]]

  ↳ app/controllers/bank_accounts_controller.rb:6

  Rendering bank_accounts/new.html.erb within layouts/application

  Rendered bank_accounts/_bank_account_form.html.erb (1.0ms)

  Rendered bank_accounts/new.html.erb within layouts/application (4.2ms)

  Rendered layouts/_navbar.html.erb (3.0ms)

  Rendered layouts/_footer.html.erb (0.3ms)

Completed 200 OK in 218ms (Views: 212.4ms | ActiveRecord: 0.5ms)

the e.message reads as follows:

Invalid external_account object: must be a dictionary or a non-empty string. See API docs at https://stripe.com/docs'

but the e.message only appears on page reload and not when the form is submitted. Only once I submit, and then reload the page, it appears.

I having nothing set up within the BankAccount model, either does the example app i used as a reference.

Extra information: For Users and StripeAccount, I have them nested, which is why you will see new_user_stripe_account_path... BankAccount isn't nested to anything.

Message from Browser Console:

Error: The selector you specified (#card-element) applies to no DOM elements that are currently on the page.

Make sure the element exists on the page before calling mount(). v3:1:10186

t

https://js.stripe.com/v3/:1:10186

oi/this.mount<

https://js.stripe.com/v3/:1:79868

Gt/<

https://js.stripe.com/v3/:1:23367

<anonymous>

http://localhost:3000/assets/stripejs.self-8c2ad75855f867e5280e1a173e994f83fb5afc997847456669b8cbe0b24fae1f.js:31:1

[Exception... "Component returned failure code: 0x80040111 (NS_ERROR_NOT_AVAILABLE) [nsIContentSniffer.getMIMETypeFromContent]"  nsresult: "0x80040111 (NS_ERROR_NOT_AVAILABLE)"  location: "JS frame :: resource:///modules/FaviconLoader.jsm :: onStopRequest :: line 181"  data: no]

onStopRequest

resource:///modules/FaviconLoader.jsm:181:16

InterpretGeneratorResume self-hosted:1257:8 next self-hosted:1212:9

So it looks like the JS was to blame. It was somewhat wrong and out of date, and a few things weren't matched up with my controller.

Here's the correct JS for S v3
JS on view page (i believe this NEEDS TO BE UNDER the form; could be wrong):

var stripe = Stripe('pk_test_WUSo123456789PWU8kh');



  function setOutcome(result) {

  var successElement = document.querySelector('.success');

  var errorElement = document.querySelector('.error');

  successElement.classList.remove('visible');

  errorElement.classList.remove('visible');



  if (result.token) {

    // In this example, we're simply displaying the token

    successElement.querySelector('.token').textContent = result.token.id;

    successElement.classList.add('visible');



    // In a real integration, you'd submit the form with the token to your backend server

    var form = document.querySelector('form');

    form.querySelector('input[name="token"]').setAttribute('value', result.token.id);

    form.submit();



  } else {

    errorElement.textContent = result.error.message;

    errorElement.classList.add('visible');

  }

}



document.querySelector('form').addEventListener('submit', function(e) {

  e.preventDefault();



  var bankAccountParams = {

    country: document.getElementById('country').value,

    currency: document.getElementById('currency').value,

    account_number: document.getElementById('account-number').value,

    account_holder_name: document.getElementById('account-holder-name').value,

    account_holder_type: document.getElementById('account-holder-type').value,

  }

  if (document.getElementById('routing-number').value != '') {

    bankAccountParams['routing_number'] = document.getElementById('routing-number').value;

  }



  stripe.createToken('bank_account', bankAccountParams).then(setOutcome);

});

And the correct Create for the BankAccount controller:
(or this at least works, i may be fixing this up a bit after this)

def create

    unless params[:token] && current_user.stripe_token

      redirect_to new_bank_account_path and return

    end

    begin

      token = params[:token]

      stripe_account.external_account = params[:token]

      stripe_account.save

      flash[:success] = "Your bank account has been added!"

      redirect_to dashboard_path

    rescue Stripe::StripeError => e

      # handler_for_rescue(e.message, 'new')

      flash[:error] = e.message

    # Handle any other exceptions

    rescue => e

      # handle_error(e.message, 'new')

      flash[:error] = e.message

    end

  end

end

In the form, I also pass the following which may or may not be needed, I will do testing on this later on after i post this.:

<%= hidden_field_tag :authenticity_token, form_authenticity_token -%>

<%= hidden_field_tag :stripeToken, current_user.stripe_token -%>

I don't believe :stripeToken is needed... but auth is