The ACH Debit payment method allows businesses to accept payments directly from a customer's bank account using ACH (Automated Clearing House) transfers. It’s an ideal, cost-effective alternative to credit cards—especially for high-value transactions.

With ACH Direct Debit, customers can authorise one-time or recurring payments from their bank accounts, helping businesses maintain consistent cash flow while reducing the need for manual follow-ups.

✅ Key Benefits of ACH Debit on Invoices

• Lower Processing Fees
  ACH transactions often have lower fees than credit card payments, helping reduce overall payment costs.

• Customer Convenience
  Clients can pay directly from their bank accounts—no need for a credit or debit card.

• Stripe Integration
  ACH works seamlessly with Stripe to ensure secure, compliant, and efficient payment processing.

• Perfect for High-Value Transactions
  ACH supports large payments that may exceed card limits.

• Auto-Pay Support for Recurring Invoices
  Enable automatic deductions for recurring billing—saving time and ensuring on-time payments.

? How to Set Up ACH Direct Debit for Invoices

Follow the steps below to enable ACH payments for your invoices:

Step 1: Enable ACH in Stripe

1. Log in to your Stripe account

2. Go to Settings > Payment Methods

3. Ensure ACH Direct Debit is enabled

Step 2: Integrate Stripe with Your Platform

1. Navigate to Settings > Integrations within your platform

2. Click Connect Stripe and follow the prompts to log in and link your account

Step 3: Configure ACH for Invoices

1. When creating an invoice, select ACH Direct Debit as a payment method

2. If setting up a recurring invoice, enable the Auto-Payment toggle

Step 4: Send the Invoice

Once configured, send the invoice to your customer. They will:

• See the ACH Debit option

• Enter their bank account details to authorise payment securely

Step 5: Track Payments in Stripe

Monitor and manage your ACH payments in the Stripe Dashboard. You can:

• Review payment status

• Manage failed transactions

• Update customer bank details if needed

❓ Frequently Asked Questions

Q: Are there fees for accepting ACH payments via Stripe?

Yes, Stripe applies specific fees to ACH payments. These are typically lower than card fees. For current pricing, refer to Stripe’s official pricing page.

Q: Can I use ACH for auto-pay on recurring invoices?

Absolutely. When sending a recurring invoice, simply enable Auto-Payment. Stripe will automatically charge the bank account on each scheduled due date.

Q: How do I control which payment methods appear on invoices?

To manage payment method visibility:

1. Go to your Stripe Dashboard

2. Navigate to Settings > Connect > Payment Methods

3. Adjust the options under Invoice or InvoiceWithAutopayment

Q: What if an ACH payment fails (e.g., insufficient funds)?

Stripe will notify you of the failure and its cause. You should contact the customer to:

• Update their bank details

• Choose another payment method

Q: Can I save a customer’s bank account for future payments?

Yes:

• If Auto-Pay is enabled, Stripe will store the bank account automatically

• If not, you can manually save it via Stripe’s customer tools or by using a payment link that captures bank details