ACH Direct Debit for Hosted Payment Pages

ACH (Automated Clearing House) direct debit is a popular form of payment and a cost-effective alternative to credit and debit cards in the United States.

Currency: USD.

Settlement time: Depending on a shopper's bank account, settlement time varies between 2-3 days.

ACH payments over Adyen HPP follow the payment flow outlined in this document. You can customize appearance of these pages and specify available payment methods using skins.

  1. On the payment selection page, a shopper should choose the ACH Direct Debit method.

  2. A shopper enters payment details, such as bank account information and the billing address.

  3. Clicks pay.

After the payment is successfully completed, a shopper is redirected to the result page.

Custom payment flow

If you have a shopper's billing information, you may skip initial payment pages and redirect a shopper directly to the confirmation page.  If you already have a shopper's bank account and billing address information, we recommend that you skip the details page and immediately proceed to the payment page. In this case a shopper will only need to review the payment details and click Pay, which provides better user experience and reduces the number of incomplete payment transactions.

To implement this custom payment flow:

Post a payment request directly to the https://test.adyen.com/hpp/skipDetails.shtml endpoint with the following parameters.

http://test.adyen.com/hpp/skipDetails.shtml?ach.ownerName=Andrews&ach.bankCountryCode=US&ach.bankAccountNumber=1234567890&ach.bankLocationId=011000138&ach.billingAddress.street=Bakkerstraat&ach.billingAddress.houseNumberOrName=137&ach.billingAddress.postalCode=12010&ach.billingAddress.city=Amsterdam&ach.billingAddress.stateOrProvince=NY&ach.billingAddress.country=US&ach.acceptDirectDebit=true&sig={YOUR SIGNATURE}&merchantReference=TMRef1234&brandCode=ach&paymentAmount=8650&currencyCode=USD&shipBeforeDate=2016-08-30&skinCode=aF563qQs&merchantAccount=TestMerchant&sessionValidity=2016-08-24T14%3A22%3A22Z

For the complete list of parameters required for this call, refer to the ACH payment fields.