ACH Direct Debit Component

On this page, you can find additional configuration for adding ACH Direct Debit to your Components integration.

Before you begin

This page assumes you have already:

• Built a Components integration.
• Added ACH Direct Debit in your Customer Area.

API reference

Select which endpoint you're integrating:

Component configuration

Step 1: Create a DOM element

Create a DOM element on your checkout page, placing it where you want the payment method form to be rendered:

 <div id="ach-container"></div>

Step 2: Create an instance of the Component

Use the create method of your AdyenCheckout instance, in this case checkout, to create the Component:

const achDirectDebitComponent = checkout.create('ach').mount('#ach-container');

Optional configuration

When creating an instance of Components, you can optionally include the following parameters in the payment methods configuration object:

Field	Description	Default
billingAddressRequired	Set to false to hide billing address fields if you want to pass the data yourself.	true
enableStoreDetails v5.24.0 or later	Set to true to show the checkbox for saving the payment details.	false
hasHolderName	Set to false to hide this field if you want to pass the data yourself.	true
holderNameRequired	Set to false if you want to make it optional for the shopper to fill cardholder name fields.	true

Payment outcome

After we successfully received your request, it may take up to five business days to know whether the payment was authorised by the bank. If the bank authorised the payment, it will appear in the Settlement details report. If the bank failed to authorise the payment, you will receive a CHARGEBACK webhook.

Chargebacks

The ACH network is unable to provide real-time authorizations. This means that a payment can be reversed because of insufficient funds after the payment is authorized. Business-to-business transactions can be reversed if your customer's business account doesn't have Adyen's ACH Company ID in their allowlist. Also, customers can ask for a refund up to 60 days after the payment is settled to your account.

If an ACH Direct Debit payment is returned, your Settlement details report will show a credit and a corresponding debit, and you receive a CHARGEBACK webhook with a chargebackReasonCode.

You cannot defend ACH Direct Debit chargebacks. Depending on the reason code, it may be allowed to retry the payment. For an overview of the chargeback process and reason codes, see ACH Direct Debit chargebacks.

Test and go live

Before making live ACH Direct Debit payments, use the following account details to test your integration.

Account Owner's Name	Bank account number	Bank routing number	Account Owner's Address
Any name	Any correctly formatted account number. Example: 123456789	011000138 or 121000358	Any correctly formatted US address.

See also