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ACH Direct Debit Drop-in integration

Add ACH Direct Debit to an existing Drop-in integration.

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 -white_check_mark- 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
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.


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.

See also