ACH Direct Debit Component

Add ACH Direct Debit to an existing Components integration.

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:

For Web Components v6, import the Component that you need for ACH Direct Debit:

import { AdyenCheckout, Ach } from '@adyen/adyen-web'

API reference

Select which endpoint you are 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

v6.0.0 or later

Create an instance of the Component, passing:

Your instance of AdyenCheckout.

const achDirectDebit = new Ach(checkout).mount('#ach-container');

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. Other reasons why ACH Direct Debit payments are reversed include:

Business-to-business transactions can be reversed if your customer's business account does not have Adyen's ACH Company ID in their allowlist.
Customers have the right to ask for a refund up to 60 days after the payment is settled to your account.

If an ACH Direct Debit payment is reversed, your Settlement details report shows 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, reason codes, and how to test chargeback scenarios, see ACH Direct Debit chargebacks.

Test and go live

You can test ACH Direct Debit payments as well as chargebacks.

Test the payment flow

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

`ownerName`	`bankAccountNumber`	`bankLocationId` (routing number)	`billingAddress` (account owner's address)
Any name	Any correctly formatted account number. Example: 1234567890	011000138 or 121000358	Any correctly formatted US address.

Test the chargeback flow

You can test the chargeback flow by making test payments with an ownerName value that consists of chargeback: followed by an ACH return reason code. For example, chargeback:R01. The other account details to use are the same as when testing payments.

For instructions, see Test a chargeback scenario.