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ACH Direct Debit

Learn how to accept ACH Direct Debit payments.

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ACH Direct Debit is a popular payment method used in the United States and Puerto Rico as an alternative to credit and debit cards. The payments are processed via the Automated Clearing House (ACH), which is an electronic network for processing financial transactions.

To accept ACH Direct Debit payments, you must have a registered business entity in the United States.

Both one-off and recurring payments are supported by ACH. Due to the risk of chargebacks, we don't recommend using ACH Direct Debit for one-off payments.

The ACH network is unable to provide real-time authorisations. This means there is a risk of transactions being reversed if, for example, the bank account has insufficient funds. Additionally, the shopper can initiate a chargeback up to 60 days from the initial date of the direct debit payment.

Payment type Payment flow Countries Currencies Recurring Refunds Partial refunds Multiple partial refunds Separate captures Partial captures Multiple partial captures Chargebacks
Direct Debit Direct PR, US USD checkmark

Account validation

When accepting ACH Direct Debit payments, Nacha requires you to verify the shopper's bank account, if it is a consumer account.

If you have an API-only integration, you can do this as follows:

  1. Collect the shopper's bank account number, bank routing number, and account holder name.
  2. Before initiating the payment, pass these details in a zero-value authorization request.

We then validate the account through the gVERIFY solution from giact.

ACH Company ID for B2B payments

An ACH Company ID identifies an entity like Adyen that collects payments through the ACH network. Unknown entities are often blocked when they collect payments from business accounts. The transaction will result in a chargeback with reason code R29, Corporate customer advises not authorized.

To prevent unnecessary chargebacks of business-to-business (B2B) transactions, ensure your business customers instruct their bank to add Adyen's ACH Company ID 8263863381 to the list of entities that are allowed to debit or credit their business account.

The Adyen ACH Company ID for payments is 8263863381.

How do you want to integrate?