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Learn about pricing and settlement services for ACH Direct Debit on adyen.com.
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 |
Separate captures |
Partial captures |
Chargebacks |
|---|---|---|---|---|---|---|---|---|---|
| Direct debit | Direct | PR, US | USD |  |
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