Direct debits · ACH Direct Debit
Take ACH Direct Debit payments from US bank accounts
ACH Direct Debit lets US customers pay from their bank account instead of a card. It fits recurring services and larger orders, and Cornerrr’s Stripe checkout handles the bank connection, the authorization and the waiting for you.
- Free to build and preview
- Payments by Stripe
- No transaction fees from Cornerrr
ACH Direct Debit
- Type
- Direct debits
- Customers in
- United States
- Currencies
- USD
- Subscriptions
- Yes, through Stripe Checkout
- Fees
- Stripe’s; none added by Cornerrr
- Checkout
- Stripe Checkout, built in
Direct debits
What is ACH Direct Debit?
ACH Direct Debit pulls a payment from the customer’s US bank account over the ACH network. The customer connects their account, usually by signing in to their bank through Stripe, and authorizes the debit. It is a delayed payment: Stripe confirms success after up to four business days, so the order waits until then.
How your customers pay
Choose to pay by bank account
At your Stripe checkout, in US dollars, the customer chooses to pay with their US bank account.
Connect the bank
Most customers sign in to their bank through Stripe to link the account at once. Others type their routing and account numbers and confirm Stripe’s microdeposits within 10 days.
Authorize the debit
Checkout shows the authorization text and records the customer’s agreement, and Stripe emails them a copy.
Wait for it to clear
The payment is confirmed within about four business days. Cornerrr then marks the order paid, lowers stock and sends the confirmation.
Why offer it
Why businesses take ACH Direct Debit
Suited to monthly bills
Bookkeeping, lawn care or water delivery plans can be debited automatically on the Growth plan, from an account that doesn’t expire like a card.
Good for larger payments
Stripe notes that ACH is popular for large or recurring payments, such as a quarterly service plan or a wholesale order.
Checked bank accounts
Stripe verifies the account before debiting it, through the bank sign-in or microdeposits, which helps cut failed payments and fraud.
Faster settlement if eligible
Eligible US businesses can switch on two-day settlement in Stripe’s payment method settings instead of the standard four days.
Set up
Turn on ACH Direct Debit in three steps.
Connect your Stripe account
Link the Stripe account you already have, or create one in a few minutes from Cornerrr. Payments go straight to it; Cornerrr adds no transaction fee.
Turn the method on in Stripe
In your Stripe Dashboard, open the payment method settings and turn it on. Stripe may ask a few questions about your business first.
It shows at checkout
Your Cornerrr checkout is Stripe Checkout, so customers who can use the method see it automatically when their country and your currency match.
Questions
Good to know
How do I accept ACH payments on my Cornerrr website?
Connect your Stripe account and turn on ACH Direct Debit in your Stripe Dashboard’s payment method settings. With your store in US dollars, Cornerrr’s Stripe Checkout offers it to eligible US customers automatically, for one-time orders and subscriptions.
How long does an ACH payment take to confirm?
Up to four business days, or about two for businesses using faster settlement. The order stays pending in Cornerrr until then, so wait for the paid status before you ship or start the work. If the debit fails, the order is marked unpaid and you are emailed.
Can I use ACH for subscriptions?
Yes. On the Growth plan the customer authorizes once at the first checkout, and Stripe debits each renewal from the same bank account.
Can a customer reverse an ACH payment?
Yes. People can dispute a debit through their bank for up to 60 days on a personal account, or two business days on a business account, and these disputes are final. You can refund for up to 180 days; let the customer know when you do, so they don’t dispute it too.
Is there a faster way for US customers to pay by bank?
Stripe also offers instant bank payments through Link, which confirm straight away instead of after several days. Stripe says ACH Direct Debit costs less but takes longer, so it can make sense to keep both on.
Do I need any technical skills?
No. You describe your business in your own words and Cornerrr builds the website. Afterwards you change things by clicking, or by asking the assistant in plain words.
How much does it cost?
Building and previewing your website is free, with no card needed. To go live and take payments, choose a plan from $19 a month. Every paid plan starts with a 14-day free trial; a card is needed to start it.
ACH Direct Debit works well for
- Water delivery business website builder
- Bookkeeper website builder
- Lawn care business website builder
- Pool service website builder
- Gym website builder
- Wholesale business website builder
Countries where people pay with ACH Direct Debit
Take ACH Direct Debit on your own website.
Describe your business, connect Stripe and start taking payments. It’s free to build and preview.