> ## Documentation Index
> Fetch the complete documentation index at: https://docs.upflow.io/llms.txt
> Use this file to discover all available pages before exploring further.

# ACH Direct Debit

> Collect USD payments from US customers via ACH direct debit, with instant bank login verification, manual micro-deposit fallback, and recurring mandates.

Let your customers based in the US easily pay by authorizing you to debit their bank account via Upflow portals. Available for:

| **Customer (payer) country** | **Presentment currency** | **Merchants (payee) country** |
| ---------------------------- | ------------------------ | ----------------------------- |
| US                           | USD                      | US                            |

# What is ACH direct debit?

ACH ("Automated Clearing House") is a US payment network overseen by Nacha that enables bank-to-bank payments. It features two main modes for transferring the funds ([more details here](https://upflow.io/blog/business-to-business-payments/ach-credit-vs-ach-debit)):

* **ACH Credit:** your customer instructs their bank to send the money to yours. This is functionally similar to a wire transfer, customers *"push"* money to you.
* **ACH Debit:** you instruct your bank to debit the customer's bank account after obtaining their authorization. You *"pull"* the funds into your own bank account.

👉 ACH Direct Debit enables you to collect payments by directly instructing your customer's bank to transfer the funds over to yours. The network supports both one-off and recurring debits.

# Collecting payments via ACH direct debit

First, [follow this short guide](/en-us/payments/accept-online-payments/managing-online-payment-methods) to make ACH Direct Debit available as a payment method for your customers in a few clicks.

Triggering a direct debit over the ACH network involves 3 main steps:

1. your customer verifies their bank account.
2. your customer authorizes the debit by setting up a Direct Debit mandate.
3. the debit order is issued over the ACH network.

## Step 1 - Choose a verification method

Customer is presented with two options on the portal:

* **Instant verification via bank login** (recommended)
* **Manual verification via micro-deposits** — a 1–2 business day fallback your customer can use if their bank doesn't support bank login.
  <Frame>
    <img src="https://mintcdn.com/upflow-04dc27cd/05nGUBLCCLrUUr03/images/image-4.png?fit=max&auto=format&n=05nGUBLCCLrUUr03&q=85&s=cc5247e093e3f346ee1897953941073f" alt="Image" width="2018" height="1016" data-path="images/image-4.png" />
  </Frame>

## Step 2 - Complete mandate setup

### Path A: Instant verification (bank login)

Customer signs into their bank, selects the account to debit, then sees and confirms the mandate. Account is verified immediately.

### Path B: Manual verification (micro-deposits)

1. Customer enters routing & account number and start the mandate setup:
   <Frame>
     <img src="https://mintcdn.com/upflow-04dc27cd/05nGUBLCCLrUUr03/images/image-5.png?fit=max&auto=format&n=05nGUBLCCLrUUr03&q=85&s=3b240ec7b8b4153502870c8c7d99d2a4" alt="Image" width="1709" height="1016" data-path="images/image-5.png" />
   </Frame>
2. Stripe issues a small direct deposit (under \$1) to the bank account (1–2 business days to land).
3. Upflow sends a verification email titled "ACH bank verification initiated" to the email address the customer entered when adding their ACH Payment method.
   <Note>
     This email address is captured when the payment method is added in the checkout flow and may differ from the customer's main contact email — make sure the customer enters the address of the person who will complete the verification.
   </Note>
4. Customer clicks the link in the email and enters the two micro-deposit amounts to confirm account ownership. They have up to 10 calendar days.
   <Warning>
     If the 10-day verification window expires before your customer enters the micro-deposit amounts, the payment fails and the bank account is automatically removed from their saved payment methods — they'll need to add it again and restart verification.
   </Warning>

While manual verification is pending:

* Customer sees a callout on their portal homepage with the amount, linked invoices, verification link, and a cancel option.
* The invoices tied to that in-progress payment are removed from the pre-selected list (no duplicate payments).
* You see a payment-in-progress callout on the customer's details page.

<Frame>
  <img src="https://mintcdn.com/upflow-04dc27cd/05nGUBLCCLrUUr03/images/image-2.png?fit=max&auto=format&n=05nGUBLCCLrUUr03&q=85&s=2b8cfb56ff04b5b4fa9ec5a5fac225bb" alt="Image" width="2554" height="534" data-path="images/image-2.png" />
</Frame>

## Step 3 - ACH Debit triggered

Once the account is verified (either path), the ACH debit is automatically triggered immediately when payment is confirmed, or per the autopay schedule if no invoice is overdue. ACH debits generally take 3–4 business days to settle (or fail).

## Autopay supports ACH

Your customer can opt into [Autopay](/en-us/payments/collect-online-payments/collecting-automatically-with-autopay) so future invoices are debited automatically on their due date — either when they enrol in ACH at checkout, or later from their customer portal. ACH debits generally take 3–4 business days to settle (or fail).