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ACH debit payment

How to create an ACH debit payment in form.

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  • A premium license
  • An active Plaid account

ACH debit

Direct debit payments on the Automated Clearing House (ACH) network, or ACH debits, allow you to collect funds from your customers’ US bank accounts. The ACH network processed over 14 billion debit transactions in 2019.

Note: ACH Debit payments only supports USD as a currency.

Lower price

ACH debits also provide lower transaction fees than cards. Comparing with 2.9% + 30¢ for Card & Wallet, ACH payments on Stripe cost 0.80%, capped at $5. A $100 payment incurs a $0.80 fee; any payments above $625 cost $5. In order to provide instant account verification through Plaid a $1.50 verification fee is charged.

AmountStripe Credit Card FeeStripe ACH Debit Fee
100$3.20$0.80 + $1.50 verification fee
1000$29.30$5.00 + $1.50 verification fee

Plaid provides the quickest way to collect and verify your customer’s banking information. Using the Stripe + Plaid integration, you’re able to instantly receive a verified bank account, allowing for immediate charging. This is done by using Plaid Link, receiving the Stripe bank account token directly from Plaid.

Create Plaid account

If you do not have a Plaid account, create one. Your account will be automatically enabled for integration access.

Connect with Stripe

To verify that your Plaid account is enabled for the Stripe integration, go to the Integrations section of the account dashboard. Make sure your Stripe account is connected there.


Configuration plaid setting in Stripe Express

Go to Stripe Express plugin -> Plaid settings tab. Fill your plaid API keys and environment (You should find them in Plaid dashboard):

stripe-express-plaid-setting.png stripe-express-create-plaid-link

Preview ACH checkout form


Payment Flow: Connected Bank firstly & Pay

Username: usergood
Password: pass

stripe-express-ach-plaid-element-dialog stripe-express-ach-plaid-element-pay stripe-express-ach-plaid-element-pay-success