[cristinacordova]

(I work at Stripe)

You can't currently accept payments with Stripe via wire, but you can accept payments via ACH-in (currently in beta: email [e-mail] for access) as well as debit/credit card. You could certainly do exactly what you describe with ACH-in and a separate authorization/capture process via credit/debit card, however authorizations expire in 7 days, so you may want to keep that in mind.

I suggest doing a separate authorization and capture via credit card (https://stripe.com/blog/auth-capture) OR accepting payments via ACH-in, rather than attempting to do both at the same time which can lead to customer confusion.

Stripe only charges upon a successful transaction (https://stripe.com/pricing), so the uncaptured authorizations will not cost you money.

[jeromeparadis]

Thanks!