Lower payment costs with bank debits
Provide a seamless checkout experience, and reduce your payment costs with US bank debits. Choose between Instant Bank Payments and ACH Direct Debit to find the best solution for your business model.
Lower costs
Save up to 70% per transaction in costs compared to cards by letting your customers pay with bank debits.
Reduce risk
Reduce payment risk with Financial Connections, or let Stripe manage risk for you with Instant Bank Payments.
Increase conversion
Reduce drop-off at checkout by enabling your customers to auto-fill their bank details with Link, Stripe’s accelerated checkout.
Launch faster
Turn on bank debits and dozens of other payment methods with a single integration using the Payment Element, Checkout, or Invoicing.
US bank debit options
Bank payments that work for any business
Instant Bank Payments
- Instant payment confirmation and settlement in 2 business days
- Stripe guarantees payments against all bank-initiated returns
- Bank account verification included in your integration
- Maximises successful payments using ML models
ACH Direct Debit
- Confirmation and settlement in 4 business days
- Faster settlement in 2 working days
- Verify bank accounts and balances with Financial Connections
- Enable faster checkout by letting customers reuse saved payment methods with Link
Boost conversion at checkout with Link
Link auto-fills your customers’ payment information to create an easy and secure checkout experience. Customers only have to save their bank account information once – for all future transactions, Link instantly populates their saved bank details so they can check out faster.
Pick your path
Determine the best way to accept bank payments
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ACH Direct Debit
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Instant Bank Payments
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Pricing
Pricing is per successful charge |
0.8% with a US$5.00 cap
US$1.50 per verification if you use Financial Connections
Starting at 5¢ per transaction for Radar
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2.60% + US$0.30 |
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Confirmation time
Default time it takes to verify a successful payment |
4 business days | Instant |
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Settlement time
Default time it takes for funds to become available in your Stripe account |
Up to 4 business days
Two-day settlement for eligible businesses
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2 business days |
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Risk management
Protect against payment failures, returns and fraud |
Balance checks available with Financial Connections.
AI-powered fraud prevention with Radar
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Built-in risk controls and guaranteed protections against bank-initiated returns |
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Auto-fill saved bank details
Accelerate checkout when customers have an account saved to Link |
Included with
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Included |
Manage risk
Minimize ACH returns and approve more good customers
Instant bank verification and balance checks
Instantly verify bank accounts and balances at checkout with Financial Connections. Reduce bank account related ACH return rates by up to 50% compared to other verification methods.
AI-powered fraud prevention
Stop ACH fraud before payments settle with Radar. Stripe's AI trained on over $1T in annual ACH volume, where 91% of transactions come from a bank account Stripe has seen before, predicts unauthorized payments and prevents returns.
Send payouts
Move money globally
Pay businesses on your platform
Facilitate payments for your platform with Connect. Onboard businesses, collect payments on their behalf, and pay them out with built-in tools to track and manage their earnings.
Send money instantly around the world
Easily pay recipients in 160+ countries using fast, secure methods with Global Payouts. Pay customers, affiliates, sellers, or any third party in their local currency, no Stripe account required.
Having a frictionless payment option like Link has made it easier for our users to finish the subscription process, which has led to more subscribers for Anthropic.
Hundreds of thousands of guests on Airbnb are able to pay for their travels using their bank account thanks to Link.
Creating payment experiences that combine innovation, reduced friction, and cost savings is at the core of what we do. Using Instant Bank Payments to give customers the option to easily pay with their bank accounts puts us in a position to tick all those boxes while providing access to an increasingly popular mode of payment.
With Stripe, you will save time and recoup bandwidth across engineering, finance, and operating so that your whole organization can focus on what matters most. You know your customers and where you want to take them, and Stripe has the people, the documentation, the knowledge, and the ongoing support to comfortably get you there.
Ready to get started?
Turn on bank debits and dozens of other payment methods with a single integration using the Payment Element, Checkout, or Invoicing.
Accept other bank debits
Stripe supports bank debits around the world, including SEPA Direct Debit in Europe and pre-authorised debits in Canada
Know what you’ll pay
Learn more about our transparent per-transaction pricing.