ACH Direct Debit

The Automated Clearing House (ACH) network is an electronic funds transfer system that enables customers in the United States (US) to move money between bank accounts in a fast, secure and paperless way.

Information

To enable ACH payments on your account, contact your account manager or request support.

Model	Collecting
Payment flow	Direct Debit
Payment method type	Direct
Auto-capture payment
Authorization
Capture
Refund
Partial refund
Multiple refunds
Return
Recurring payment

Before processing ACH payments, you must collect customer consent to debit their account.

To comply with National Automated Clearing House Association (NACHA) rules, you must obtain consent from the bank account owner before you can collect ACH debit payments from their account.

The consent you present to the customer must:

Clearly set out the terms of the authorization.
Explicitly state that you are obtaining consent to debit the customer's bank account for a specific transaction, or set of recurring transactions.
Explain how the customer can revoke their direct debit authorization.

I authorize [your company name] ("Company") to debit the bank account indicated in this web form for the noted amount on the schedule indicated. I understand that this authorization will remain in effect until the scheduled end date, or until I cancel it in writing, whichever comes first, and I agree to notify the business in writing of any changes in my account information or termination of this authorization at least 15 days prior to the next billing date. If the stated payment date falls on a weekend or holiday, I understand that the payment may be executed on the next business day. I understand that because this is an electronic transaction, these funds may be withdrawn from my account each period as soon as the stated transaction date.

You must also:

Include NACHA-mandated language in the terms and conditions section.
Enable your customer to view and print a receipt after the payment has been successfully submitted.
If you are managing recurring payments, the receipt must have full details of the schedule (payment amount, frequency, start date, end date, and number of payments), along with a confirmation number and date for any transaction processed as part of the schedule.
Email a receipt to your customer, with a copy to yourself.
Notify your customer in advance of any change to the scheduled payment amount, payment range or payment date.

Web

Accept ACH Direct Debit payments on your website with Flow, our pre-built, customizable payment user interface.

API only

Build your own UI and integrate with our API to process ACH Direct Debit payments.

ACH Direct Debit

Information

Collect customer consent

Available for

Web

API only