Start accepting ACH payments at 1.8%. A $100 payment incurs a $1.80 fee. (A minimum of $1.50 per ACH transaction, capped at $15.00.)
Stripe, as a payment gateway, supports ACH payments, allowing businesses to accept payments directly from customers' bank accounts. This can be an alternative to credit card payments and can be particularly useful for recurring payments, subscription services, or other situations where direct bank transfers are preferred.
Please note: ACH is included in the Basic Plan, but the ACH Surcharge feature is part of the Pro Plan. This means that while you can use ACH as a payment method with the Basic Plan, adding a surcharge to ACH payments requires a Pro Plan subscription.
Add a Bank Account with Instant Verification
With ACH Instant Verification, customers securely log in to their bank to connect their account and verify the same day, skipping microdeposits.
This power up can be enabled within the the Addon > Stripe
Important note: When ACH Instant Verification is enabled, the ACH Microdeposit power-up will be automatically turned off and cannot be re-enabled.
You will be able to manage your surcharge settings when you enable the ACH Surcharge toggle and click the 'Manage' button.
How ACH Instant Verification works
Instead of sending small deposits, the system verifies the account in real time.
From the Customer Profile > Account tab, you can send an invitation to a customer via email or SMS, allowing them to securely add their ACH bank account directly through the customer portal for added convenience.
In the email invitation, the customer can click the “Add a Bank” button. In the SMS invitation, they can click the provided link, which will redirect them to the customer portal.
When they click the link, they will be prompted to log in and connect their bank account. To proceed, they need to:
Select their bank from the list.
Click “Agree and Continue.”
Log in to their bank to complete the connection.
Once the bank account is connected, it will be added to their account as an available payment method that can be used for future billing.
After the bank is added, click the three dots to access the following options:
Set a bank account to be the default whenever you use ACH as a payment method
Delete the bank account from the list
Now, you can use the bank account linked for ACH as your payment method when adding a payment to the invoice.
ACH Invitation Template
An ACH invitation template is already available. You can make changes to the template under the "Settings" menu, specifically within the "Emails and SMS Templates" section. Navigate to "System" and select the "ACH Invitation" for customization.
SMS
LOGIC: Payment in ACH
When using the ACH payment method, only one invoice can be paid at a time. This policy helps prevent accounting mismatches for QuickBooks users and avoids discrepancies between Surcharges and Stripe fees.
For those who prefer making larger payments via ACH, we recommend the following options:
Add the payment directly to the customer's account to create a credit balance, which can then be applied to the invoices.
Combine all unpaid invoices into a single invoice, and either void the smaller invoices or write them off.
Additional Notes:
ACH is supported in GorillaDesk subscription
ACH can be set as invoice frequency action
Customer can add their ACH bank account within the portal:
If the customer wants to add another bank account, they can log in to the customer portal, navigate to Manage Payment Options, and select Add a Bank Account Instant Verification.
ACH payments are supported for automated actions under Addon > Triggers Completionist, like automatically charges the default card when a job is completed.
Previously connected accounts can be retrieved and selected again when the customer logs in to their bank account.
ACH surcharge can be applied when an invoice is paid using ACH bank.