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ACH Direct Debit

Learn how to accept ACH Direct Debit payments.

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Learn about pricing and settlement services for ACH Direct Debit on

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. There are two ways to do this:

  • Collect the shopper's bank account number, bank routing number, and account holder name. Before initiating the payment, pass these details in a zero-value authorization request. We then validate the account through the gVERIFY solution from giact.

  • Partner with Plaid: the shopper connects their account with Plaid. This results in a shopper-specific Plaid processor token that we use to validate the account through Plaid. The processor token can be reused for recurring payments.

The main differences are:

Shopper experience Shopper needs to look up the account number and routing number. Simple steps in the Plaid Link app.
Sensitive account details You need to collect the account details. You don't handle the account details.
Real-time balance check Not available. Single call. If the balance doesn't match the conditions in your payment request, the transaction is refused immediately.
Supported integrations API only
  • Drop-in or Component integration using the /payments endpoint.
  • API-only integration.

How do you want to integrate?