Accept ACH debit payments on invoices

Accept ACH Direct Debit payments directly from your customers' bank accounts on one-time invoices, Text2Pay links, and recurring invoices with auto-payments, processed securely through Stripe.

Enable ACH Direct Debit in Stripe

Turn on ACH Direct Debit in your Stripe account before you can offer it on invoices.

1. Log in to your Stripe account.

2. Open Settings > Payment Methods.

3. Enable ACH Direct Debit for your account.

Connect Stripe to JourneyCARE

Connect your Stripe account from the JourneyCARE integrations page so invoice payments run through it.

1. Open Payments > Integrations.

2. For Stripe, click Connect with Stripe.

3. Log in to your existing Stripe account, or create one, and authorize the connection.

Offer ACH on an invoice

Select ACH Direct Debit as a payment method when you create an invoice so customers can pay from their bank account.

1. Create the invoice and select ACH Direct Debit as a payment method.

2. Send the invoice to the customer.

Customers see the ACH Direct Debit option on their invoice and enter their bank account details to authorize the payment.

Use ACH on recurring invoices with auto-payments

Enable Auto-Payment when you set up a recurring invoice so each scheduled payment is charged automatically from the customer's bank account.

1. Create the recurring invoice.

2. Enable Auto-Payment by toggling the auto-pay option during the invoice sending process.

Subsequent payments are automatically charged on the scheduled payment dates.

Control which payment methods customers see

Manage the payment methods displayed on your invoices from your Stripe dashboard.

1. In Stripe, open Settings > Connect > Payment Methods.

2. Select the configuration you want to use, such as Invoice or InvoiceWithAutopayment.

3. Enable or disable the payment methods for that configuration.

Monitor payments and handle failures

Track ACH payments from your Stripe dashboard and resolve failed transactions there.

• Use the Stripe dashboard to track ACH payments and update customer payment details as needed.

• When a payment fails, Stripe notifies you of the reason, such as insufficient funds or an invalid account number.

• Contact the customer to resolve the issue — update their bank account information or have them choose another payment method.

Save bank accounts for future payments

Stripe stores a customer's bank account automatically when they pay by ACH with auto-pay; without auto-pay, save the account manually.

• When a customer pays an invoice by ACH Direct Debit and selects auto-pay, Stripe stores the bank account as a payment method on file for future use.

• If auto-pay is not selected, save the bank account manually using Stripe's customer management features.

• Alternatively, ask the customer to pay through a payment link that saves their bank account by default, such as a recurring payment setup.

Use NMI for ACH instead

Process ACH bank transfers through NMI instead of Stripe when NMI is your payment processor.

See Use NMI ACH bank transfers for the NMI-based flow. For the full list of product areas where Stripe ACH Direct Debit and other payment methods are supported, see Supported payment providers and methods by product area.