Accept an ACH Direct Debit payment

A Checkout Session must satisfy all of the following conditions to support ACH Direct Debit payments:

• Express all Prices for all line items in US dollars (currency code usd).

To reuse a bank account for future payments, attach it to a Customer.

Create a Customer object when your customer creates an account with your business. Associating the ID of the Customer object with your own internal representation of a customer enables you to retrieve and use the stored payment method details later.

Create a new Customer or retrieve an existing Customer to associate with this payment. Include the following code on your server to create a new Customer.

curl -X POST https://api.stripe.com/v1/customers \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:"

This guides you through enabling ACH Direct Debit and shows the differences between accepting a card payment and using this payment method.

Enable ACH Direct Debit as a payment method

When creating a new Checkout Session, you need to:

1. Add us_bank_account to the list of payment_method_types.
2. Make sure all your line_items use the usd currency.
3. Set the permissions parameter to include payment_method.

curl https://api.stripe.com/v1/checkout/sessions \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -d mode=payment \
  -d customer={{CUSTOMER_ID}} \
  -d "payment_method_types[0]"=card \
  -d "payment_method_types[1]"=us_bank_account \
  -d "payment_method_options[us_bank_account][financial_connections][permissions][0]"=payment_method \
  -d "line_items[0][price_data][currency]"=usd \
  -d "line_items[0][price_data][unit_amount]"=2000 \
  -d "line_items[0][price_data][product_data][name]"=T-shirt \
  -d "line_items[0][quantity]"=1 \
  --data-urlencode success_url="https://example.com/success" \
  --data-urlencode cancel_url="https://example.com/cancel"

If you want to access additional data on an account, sign up for Stripe Financial Connections.

Stripe Financial Connections lets your customers securely share their financial data by linking their financial accounts to your business. Use Financial Connections to access customer-permissioned financial data such as tokenized account and routing numbers, balance data, ownership details, and transaction data.

We recommend specifying balances in the permissions parameter to access balance data on an account. Checking an account balance after accepting a payment helps you confirm a customer has sufficient funds to cover the payment.

Optionally, specify which data you require immediately upon account creation with the prefetch parameter. The prefetch parameter saves you from making another API call to retrieve data after account creation and reduces the latency of data retrieval. To protect the privacy of your customer’s data, you only receive access to account data you request. Your customer can see the data you want to access before verifying their account.

During the Checkout session, the customer sees a dialog that gives them the option to use instant verification or provide bank account details for microdeposit verification.

If the customer opts for microdeposit verification, Stripe automatically sends two small deposits to the provided bank account. These deposits can take 1-2 business days to appear on the customer’s online bank statement. When the deposits are expected to arrive, the customer receives an email with a link to confirm these amounts and verify the bank account with Stripe. After verification is complete, the payment begins processing.

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Because ACH Direct Debit is a delayed notification payment method, you must also complete the handle delayed notification payment methods step of the guide.

To test scenarios with instant verifications, mimic different scenarios for ACH charges by selecting the test bank account for the use case you want to test.

Send transaction emails in test mode

After you collect the bank account details and accept a mandate, send the mandate confirmation and microdeposit verification emails in test mode. To do this, provide an email in the payment_method_data.billing_details[email] field in the form of {any-prefix}+test_email@{any_domain} when you collect the payment method details.

Test account numbers

Stripe provides several test account numbers and corresponding tokens you can use to make sure your integration for manually-entered bank accounts is ready for production.

Before test transactions can complete, you need to verify all test accounts that automatically succeed or fail the payment. To do so, use the test microdeposit amounts or descriptor codes below.

Test microdeposit amounts and descriptor codes

To mimic different scenarios, use these microdeposit amounts or 0.01 descriptor code values.