On this page, you can find additional configuration for adding ACH Direct Debit to your Drop-in integration.
Before you begin
This page assumes you have already:
API reference
Select which endpoint you're integrating:
This is the default with Web Drop-in v5.0.0 or later.
| Parameter name | Required | Description |
|---|---|---|
| billingAddress |  |
The postal address of the shopper. Recommended to increase conversion rates. |
Drop-in configuration
There is no ACH Direct Debit specific configuration for Drop-in.
Optional configuration
When creating an instance of Drop-in, 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. 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 against 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. |