Easily collect bank debit payments from US customers for large or recurring charges to minimize payment failure rates and lower transaction costs. Stripe ACH can very easily be used in conjunction with Stripe Credit Card processing for an all-in-one experience for merchants.
For detailed endpoints, please view our API Reference: [Payments API - ACH Endpoints](🔗)
### ACH Development:
It is not possible to disable the `
duplicate_check` functionality for external ids. All `
external_id` fields must be unique.
In the ACH sales response you will see an “outcome” object showing ‘result’: ‘success’, ‘code’: ‘1000’, and ‘description’: ‘processing’.
### Stripe Dashboard
The payout will have a list of transactions with settled payments.
Within your Stripe Dashboard, you will only see the original transactionId.
There will be two transactions ids within the PaySimple product. The original settled payment and a new refund transaction.
Within your Stripe Platform account, you will need a sandbox Connect account for testing.
When testing, ensure you are in Test Mode for the correct account.
ACH Testing Accounts:
|Account Number||Token||Routing Number||Behavior|
|000123456789||pm_usBankAccount_success||110000000||The payment succeeds.|
|000111111113||pm_usBankAccount_accountClosed||110000000||The payment fails because the account is closed.|
|000111111116||pm_usBankAccount_noAccount||110000000||The payment fails because no account is found.|
|000222222227||pm_usBankAccount_insufficientFunds||110000000||The payment fails due to insufficient funds.|
|000333333335||pm_usBankAccount_debitNotAuthorized||110000000||The payment fails because debits aren’t authorized.|
### FAQ for Stripe
**What are the amount limits for Stripe payments?** The amount limits for Stripe payments are within the range of .50 - 999,999.99.
**What are the return codes (r codes) and what do they represent?** The return codes (r codes) are as follows:
000222222227: R01 (insufficient funds)
000111111113: R02 (account closed)
000111111116: R03 (no account)
000333333335: R08 (payment stopped)
**How long does it take for an ACH payment to settle in production?** ACH payments take 5-7 business days to settle in production.
**Can I void a settled transaction in production?** No, it is not possible to void a settled transaction in production.
**When will sandbox transactions settled?** The transaction will settle when the Payout is created. Test mode payouts occur daily.
**What webhook return status can be expected and how long does it take?** The return status is coming back from a webhook approximately 10 seconds later.