{"title":"ACH Direct Debit","category":"payment_method","creationDate":1776961628,"content":"
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\"ACH  Read more<\/strong><\/p>

Learn more about ACH Direct Debit on adyen.com<\/a>.<\/p><\/div><\/div>\n\n

ACH Direct Debit<\/a> 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 through the Automated Clearing House (ACH), which is an electronic network for processing financial transactions.<\/p>\n

To accept ACH Direct Debit payments, you must have a registered business entity in the United States.<\/p>\n

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Both one-off and recurring payments are supported by ACH. Due to the risk of chargebacks<\/a>, we do not recommend using ACH Direct Debit for one-off payments.<\/p>\n<\/div>\n

The ACH network is unable to provide real-time authorizations. This means there is a risk of transactions being reversed if, for example, the bank account has insufficient funds. Additionally, consumers can dispute direct debit payments up to two years after the settlement date, claiming they did not authorize the payment or withdrew their authorization.<\/p>\n\n \n \n \n \n
\n Payment type\n <\/th>\n \n Payment flow\n <\/th>\n \n Countries\n <\/th>\n \n Currencies\n <\/th>\n \n Recurring<\/a>\n <\/th>\n \n Refunds<\/a>\n <\/th>\n \n Partial refunds<\/a>\n <\/th>\n \n Multiple partial refunds<\/a>\n <\/th>\n \n Separate captures<\/a>\n <\/th>\n \n Partial captures<\/a>\n <\/th>\n \n Multiple partial captures<\/a>\n <\/th>\n \n Chargebacks<\/a>\n <\/th>\n <\/tr>\n <\/thead>\n
\n Direct Debit\n <\/td>\n \n Direct\n <\/td>\n \n PR, US\n <\/td>\n \n USD\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n \n \"x\"<\/br>\n <\/td>\n \n \"x\"<\/br>\n <\/td>\n \n \"checkmark\"<\/br>\n <\/td>\n <\/tr>\n <\/tbody>\n<\/table>\n\n

Account validation<\/h2>\n

When accepting ACH Direct Debit payments from consumer accounts, Nacha<\/a> requires bank account validation. We partner with giact to offer bank account validation. For instructions, see Account validation with giact<\/a>.<\/p>\n

ACH Company ID for B2B payments<\/h2>\n

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<\/strong>, Corporate customer advises not authorized<\/em>.<\/p>\n

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<\/strong> to the list of entities that are allowed to debit or credit their business account.<\/p>\n

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The Adyen ACH Company ID for payments is 8263863381<\/strong>.<\/p>\n <\/div><\/div>\n

SEC code<\/h2>\n

Nacha requires that all ACH payments include a Standard Entry Class (SEC) code. This code identifies the authorization type for the payment. You must use the correct SEC code for your ACH direct debit payments to avoid compliance issues and potential fines from Nacha.<\/p>\n

We support the following SEC codes:<\/p>\n