bank_details_controller.rb

class BankDetailsController < ApplicationController
   before_filter :set_recipient

   def show
   end

   def update
     if @recipient.present? && @recipient.verified
       update_bank_account
     else
       update_recipient
     end
  end

private

   def set_recipient
     @recipient = current_contractor.stripe_recipient
   end

   def update_bank_account
     @recipient.bank_account = params.slice(:account_number, :routing_number).merge(:country => 'US')
     @recipient.save
   end

   def update_recipient
     if @recipient.nil?
       @recipient = Stripe::Recipient.create(
         params.slice(:name, :tax_id).merge(:type => 'individual')
       )
       current_contractor.stripe_recipient_id = @recipient.id
       current_contractor.save!
     else
       @recipient.tax_id = params[:tax_id]
       @recipient.name = params[:name]
       @recipient.save
     end
   end
end