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 autofill 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

Deliver the cost savings of bank payments with the confirmation speed of cards. Instant Bank Payments are built into Link, Stripe’s accelerated checkout, to deliver a frictionless customer experience.
  • Instant payment confirmation and settlement in 2 business days
  • Stripe guarantees payments against all bank-initiated returns
  • Bank account verification included in your integration
  • Maximizes successful payments using ML models
Order summary
Customer order
$100.00
Processing fee
-$2.90
Net amount
$97.10
Payment confirmation
Approved
Fund settlement
Expected in 2 business days

ACH Direct Debit

For businesses that don’t need instant confirmation, ACH Direct Debit delivers even more cost savings. ACH Direct Debit is popular for businesses with large or recurring transactions. 
  • Confirmation and settlement in 4 business days
  • Faster settlement in 2 business days for a fee
  • Verify bank accounts and balances with Financial Connections
Order summary
Customer order
$100.00
Processing fee
-80¢
Net amount
$99.20
Payment confirmation
Expected in 4 days
Fund settlement
Expected in 4 business days

Boost conversion at checkout with Link

Link autofills 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

ACH Direct Debit
Instant Bank Payments
Pricing

Pricing is per successful charge

0.8% with a $5.00 cap
$1.50 per verification if you use Financial Connections
2.6% + 30¢
Confirmation time

Default time it takes to verify a successful payment

4 business days Instant
Settlement time

Default time it takes for funds to become available in your Stripe account

4 business days 2 business days
Payment failure protection

Protection against payment failure due to insufficient bank account funds

Balance checks available with Financial Connections
Guaranteed by Stripe
Autofill saved bank details

Accelerate checkout when customers reuse a bank account saved to Link

Included with
Included

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-authorized debits in Canada

Know what you’ll pay

Learn more about our transparent per-transaction pricing.