Stripe ACH

The Stripe Payment Method allows you to enable ACH payments

How It Works

Using Stripe ACH payment, the customer will be able to log-in to their bank account and select an account to link. This "Instant Verification" will allow the user to place the order and immediately initiate ACH payment. ACH Transfer may take 1-4 business days to process depending on the financial institution being linked.

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Once a Bank Account is Linked, it will be available to select for future Orders and on the Invoice Payment screen for both the Customer and the Zoey Administrator.

When the order is placed, a payment intent in Stripe will be initiated and processed. In Zoey the invoice/payment will not be created until the Bank Transfer is complete. Please note, if ACH is used for placing the order, the payment transfer will be processed, it will not wait for the order to ship. Depending on the Financial Connection processing the transfer could take a few minutes to a few days. If the ACH Transfer fails, the Order will be canceled.

Step 1: Setup Stripe for ACH

Part 1: Enable Stripe's "Financial Connections"

Use the link below to fill out the application to use Stripe's Financial Connections. This will allow users to connect to their bank accounts.
https://dashboard.stripe.com/setup/financial-connections/activate

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Note: If you do not complete this step, the following message will be shown when trying to use ACH for Payment: You are not registered to use Financial Connections. Please submit your registration at https://dashboard.stripe.com/financial-connections/application

Part 2: Setup Webhooks

In your Stripe Dashboard, navigate to the Developers > Webhooks Screen.

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Next, click "+Add Endpoint" and in the window enter the following information:

Endpoint URL

https://**YOUR-DOMAIN.com**/zoey_stripe/webhooks

Description

Leave blank

Version

Latest API Version

Select events to listen to:

Only four events are required for ACH:

  • charge.captured
  • customer.source.updated
  • charge.failed
  • charge.succeeded

Once the above information is filled in, click "Add Endpoint".

Step 2: Enable Stripe ACH in Zoey

Navigate to Setup > Payments and click Configure on Stripe ACH Payments

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Enable Stripe ACH Payments

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Optional: If you only want ACH to be available to specific customer groups, you can restrict it using Payment Restrictions

Using ACH with Accounts

Bank Account verification is done per Contact/Email address placing orders, meaning that each Account user will have to setup a bank account for ACH Payment.